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Last updated: 19 September 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
0 reward points per ₹100
Entry-tier card with no standard rewards engine. Benefits include interest-free credit period and contactless payments.
The privileges that come bundled in, beyond the reward points.
Interest-free credit up to 45 days
Contactless EMV technology
Personalized photo on card
Flexible credit limits
An honest read on where this card earns its keep — and where it doesn't.
Zero joining fee
Interest-free credit period
Contactless payment support
No rewards points
Annual fee applies from year 2
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with Tamilnad Mercantile Bank before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how TMB Titanium Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about TMB Titanium Credit Card fees, reward conversion, lounge access, and application eligibility.
TMB Titanium Credit Card has an annual fee of ₹250 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "Zero joining fee for the first year".
TMB Titanium Credit Card earns Points at a primary rate of 0 reward points per ₹100. Specifically, Entry-tier card with no standard rewards engine. Benefits include interest-free credit period and contactless payments.. Spends in Lifestyle categories provide the maximum valueback per transaction on this card.
A CIBIL credit score of 700 or above is strongly recommended for approval of TMB Titanium Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
TMB Titanium Credit Card is issued on the Visa or Mastercard network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
TMB Titanium Credit Card levies a forex markup fee of 3.5% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
TMB Titanium Credit Card currently features a welcome offer: "Zero joining fee for the first year". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Zero joining fee and Interest-free credit period. However, keep in mind that No rewards points and Annual fee applies from year 2. Overall, TMB Titanium Credit Card delivers strong value if your regular spending aligns with Lifestyle.
TMB Titanium Credit Card is focused on Lifestyle valueback and does not include unconditional complimentary airport lounge visits as a core benefit. If lounge access is a deciding factor for your travels, consider pairing this with a dedicated premium travel credit card.
You can apply for TMB Titanium Credit Card directly through Tamilnad Mercantile Bank's official website or digital portal. Essential documents include your PAN card, Aadhaar card for video KYC, proof of address, and recent income documentation (3 months' salary slips or latest ITR with computation). Decisions are typically communicated within 2 to 4 working days.
