Tamilnad Mercantile Bank Credit Cards
Tamilnad Mercantile Bank - Credit Cards
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TMB Phoenix Credit Card
Not Applicable
About This Bank
About Tamilnad Mercantile Bank
Tamilnad Mercantile Bank (TMB) is a century-old private-sector bank, founded in 1921 and headquartered in Thoothukudi, Tamil Nadu, with historical roots in the Nadar trading community. Its credit card portfolio runs from the mid-tier Platinum and Titanium cards to the higher-reward Phoenix card, plus the RuPay-network WINGS card for customers who want UPI-linked credit card payments. All cards carry cashback and reward points aimed at everyday South India retail spending.
TMB's Card Lineup Compared
| Card | Annual Fee | Fee Waiver | Best For |
|---|---|---|---|
| TMB Platinum | ₹250 + GST | Not spend-linked | Mid-tier everyday spending |
| TMB Titanium | Check card page | - | Alternative mid-tier option |
| TMB WINGS RuPay | ₹250 | Waived on ₹50,000/quarter | UPI-linked RuPay payments |
| TMB Phoenix | ₹500 | Waived on ₹1 lakh/year | Strongest reward rate |
Card-by-Card Breakdown
TMB Platinum and TMB Titanium serve as TMB's everyday mid-tier options - Platinum at a modest ₹250 + GST renewal, positioned for routine retail spending in South India.
TMB WINGS RuPay is the only card in the lineup on the RuPay network, meaning it supports UPI-linked credit card payments at QR-code merchants - a genuine convenience the Visa/Mastercard cards in this lineup don't offer. Its ₹250 fee waives entirely once you clear ₹50,000 in spend in any given quarter.
TMB Phoenix sits at the top with the strongest reward rate, at a ₹500 fee that waives on ₹1 lakh in annual spend - effectively free for regular users who clear that threshold through normal spending.
Applying for a TMB Credit Card
Existing TMB savings or salary account holders typically get faster, simplified processing given the established relationship. New applicants need standard KYC (PAN, Aadhaar), income proof, and should expect underwriting focused on South India residency and income verification, consistent with TMB's regional retail banking focus.
Explore the full card portfolio below to find the right card for your spending profile.
Featured Tamilnad Mercantile Bank Cards
TMB Phoenix Credit Card
Joining Fee:
Free
Renewal Fee:
Rs.500/-. This fee is waived off if the customer spends Rs.1,00,000/- in a calendar year.
Reward Type:
Not Applicable
TMB Platinum Credit Card
Joining Fee:
Free
Renewal Fee:
Rs.250/- + GST for the primary card; Rs.150/- + GST for add-on cards.
Reward Type:
Not Applicable
TMB Titanium Credit Card
Joining Fee:
Renewal Fee:
Reward Type:
Not Applicable
TMB WINGS RuPay Credit Card
Joining Fee:
Nil
Renewal Fee:
₹250 (waived on spending ₹50,000 in any quarter of the calendar year)
Reward Type:
Not Applicable
Eligibility Guide
₹3 lakh p.a.
700+
21-60 years
Eligibility
- Age: 21-60 years
- Income: Varies by card variant
- Credit Score: 700+ recommended
- Residency: Indian resident
Check individual card pages for precise eligibility criteria.
All Tamilnad Mercantile Bank Credit Cards
Browse & filter all Tamilnad Mercantile Bank cards →TMB Phoenix Credit Card
Joining Fee:
Free
Renewal Fee:
Rs.500/-. This fee is waived off if the customer spends Rs.1,00,000/- in a calendar year.
Reward Type:
Not Applicable
TMB Platinum Credit Card
Joining Fee:
Free
Renewal Fee:
Rs.250/- + GST for the primary card; Rs.150/- + GST for add-on cards.
Reward Type:
Not Applicable
TMB Titanium Credit Card
Joining Fee:
Renewal Fee:
Reward Type:
Not Applicable
TMB WINGS RuPay Credit Card
Joining Fee:
Nil
Renewal Fee:
₹250 (waived on spending ₹50,000 in any quarter of the calendar year)
Reward Type:
Not Applicable