Tamilnad Mercantile Bank Credit Cards

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.

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 of the fee tier, charging ₹500 that waives on ₹1 lakh in annual spend - effectively free for regular users who clear that threshold through normal spending. It's aimed at premium and business-use customers per TMB's own positioning.

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.