TMB Phoenix Credit Card VS TMB Platinum Credit Card VS TMB Titanium Credit Card VS TMB WINGS RuPay Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
TMB Phoenix Credit Card
TMB Platinum Credit Card
TMB Titanium Credit Card
TMB WINGS RuPay 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 and card issuance fees make it an accessible option for new users.
Enjoy an extended interest-free credit period of up to 45 days.
Comprehensive insurance cover, including personal accident and lost card liability.
Annual fee waiver on spending Rs. 1,00,000 annually, offering good value.
Option to convert larger spends (Rs. 5,000+) into convenient EMIs.
Pros
Key benefits and features.
Benefit from zero joining, annual, and card issuance fees on the TMB Platinum.
Enjoy a substantial free credit period of up to 45 days, boosting financial flexibility.
Gain peace of mind with lost card liability up to Rs.50,000 and accidental death cover.
Experience advanced security with EMV Chip and eco-friendly Green PIN generation.
Access credit easily as it's secured against a Term Deposit, simplifying eligibility.
Pros
Key benefits and features.
Pros
Key benefits and features.
No joining fee, making it accessible for new cardholders.
Annual fee waiver is easily achievable with a moderate spend of ₹50,000 per quarter.
Includes valuable insurance benefits like personal accident cover and lost card liability.
Offers an interest-free credit period of up to 45 days for financial flexibility.
Convenient EMI conversion option for larger purchases of ₹5,000 and above.
Cons
Key drawbacks and limitations.
High finance charge of 24% per annum on revolving credit and cash advances.
Foreign currency markup of up to 3.50% makes international spends costly.
Cash advance charges of 3% (min Rs. 30) plus finance charges are substantial.
Late payment fee of Rs. 250 + GST can add up quickly if payments are missed.
Eligibility criteria are strict, requiring specific IT returns and CIBIL score.
Cons
Key drawbacks and limitations.
A renewal fee of Rs.250 + GST applies to the primary card, unlike joining fees.
Cash advance charges are high at 3% of the amount, with a minimum of Rs.30.
Face a significant foreign currency markup of up to 3.5% on international transactions.
Interest rates for cash withdrawals are steep at 24% per annum from day one.
Late payment incurs a penalty of Rs.250 + GST, important to pay on time.
Cons
Key drawbacks and limitations.
Cons
Key drawbacks and limitations.
Lacks a dedicated rewards program, cashback, or air miles, limiting earning potential.
High foreign currency markup of up to 3.50% makes international transactions expensive.
Interest rates on revolving credit and cash advances are high at 24% per annum.
Eligibility is restricted to existing TMB savings account holders, limiting broader access.
Annual fee is applicable if the spend waiver condition is not met.