TMB Phoenix Credit Card VS TMB Platinum Credit Card VS TMB Titanium Credit Card VS TMB Vertex Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
TMB Phoenix Credit Card
TMB Platinum Credit Card
TMB Titanium Credit Card
TMB Vertex Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Zero joining fee makes it an accessible option for new cardholders.
Specifically designed for business customers, simplifying utility and tax payments.
Comprehensive insurance benefits including personal accident and lost card liability.
Annual fee is easily waived with a reasonable spend of ₹1 Lakh per year.
Provides a generous credit-free period of up to 45 days on purchases.
Pros
Key benefits and features.
Excellent for building or rebuilding credit history securely with a fixed deposit.
No joining fee and free add-on cards make it a highly cost-effective option for families.
Secured against a Term Deposit, minimizing financial risk for the cardholder.
Offers basic transactional convenience and supports eco-friendly digital PIN generation.
Pros
Key benefits and features.
No joining or annual fees, making it a cost-effective entry-level credit card.
Offers a complimentary personal accidental cover of ₹5 lakh for peace of mind.
Flexibility to issue up to two add-on cards for family members above 18 years.
Ideal for existing TMB customers to build or improve their credit history effectively.
Pros
Key benefits and features.
No one-time issuance, joining, or annual fee, making it free to hold.
Offers free add-on cards for spouse and children over 18 years, a rare benefit.
Provides an interest-free credit period of up to 45 days for purchases.
Late payment charge is a flat ₹250 + GST, considered gentle for a credit card.
Cons
Key drawbacks and limitations.
Lacks a traditional rewards program, cashback, or travel/lounge benefits.
High foreign currency markup of up to 3.50% for international transactions.
Requires an existing TMB Current Account for at least one year for eligibility.
Annual fee of ₹500 applies if the spend-based waiver condition is not met.
Cash advance transactions incur a significant charge of 3% of the amount.
Cons
Key drawbacks and limitations.
Lacks extensive rewards, cashback programs, or significant lifestyle perks.
Requires a minimum Term Deposit of ₹50,000 with TMB for eligibility.
High foreign currency markup of up to 3.5% makes international spends expensive.
Cash advance charges are relatively high, with a minimum fee per transaction.
Cons
Key drawbacks and limitations.
Lacks a dedicated rewards program, offering no points or cashback on spends.
Does not provide any complimentary airport lounge access benefits.
No specific fuel surcharge waivers, leading to additional costs on fuel transactions.
High foreign currency markup of up to 3.5% makes international spends expensive.
Cons
Key drawbacks and limitations.
Completely lacks any reward structure, points, or cashback program.
A renewal fee of ₹250 + GST applies to the primary card every three years.
High foreign currency conversion markup of up to 3.5% with no travel benefits.
Cash advances are expensive, incurring 3% fee and 2% monthly interest immediately.