TMB Wings (RuPay) Credit Card
A convenient credit card designed for everyday payments with secure RuPay features and flexible repayment options
Secure payments with RuPay Platinum benefits
Interest-free credit period up to 45 days
Easy PIN generation through customer self-care portal
Exclusive offers and digital payment convenience
Overview
The TMB WINGS RuPay Credit Card helps customers simplify everyday payments with a secure and easy-to-use credit facility. It is suitable for regular spending such as bills, groceries, fees, and routine purchases
Product Highlights
The card offers key features including a free issuance and joining experience, easy access to the PIN generation portal, digital statements, and flexible repayment options through Internet Banking, NEFT/RTGS, branch counter payments, or auto-debit from a TMB account
Features and Benefits
Customers can enjoy benefits such as a cash advance limit of up to 25 percent of the sanctioned card limit, EMI conversion for eligible purchases, RuPay Platinum privileges, consolidated monthly e-statements, and uninterrupted SMS/email alerts for every transaction
Eligibility
The credit card is available to individuals with an active TMB Savings Account maintained for at least one year. Applicants must submit IT returns for the previous two years, meet a minimum income requirement of Rs 3 lakhs per annum
Features, charges and daily limits
A Platinum RuPay Credit Card for smart spending, rewards & everyday credit needs
Key Features & Benefits
| Parameter | Details |
|---|---|
| Eligibility | Individual having Savings Bank Account with TMB, Minimum account vintage: 1 year, Filed IT Returns for last 2 years, Minimum annual income: ₹3 lakhs & above, Latest CIBIL Score: Minimum 700 |
| Card Type | RuPay Platinum Credit Card |
| Credit Free Period | Up to 45 days |
| Card Validity | 3 Years |
| Cash Advance Limit | 25% of sanctioned credit limit |
| Daily Cash Withdrawal Limit | ₹25,000 |
| EMI Facility | Available for spends ≥ ₹5,000 (single or cumulative), excluding cash withdrawal |
| Foreign Currency Markup | Up to 3.50% |
| Card Issuance Charges | NIL |
| Joining Fee | NIL |
Documents Required
| Documents |
|---|
| Latest 3 month's Payslips or |
| Income Tax Returns (ITR) for last 2 years |
Fees & Charges
| Charge Type | Amount |
|---|---|
| Annual Renewal Fee | ₹250 |
| Renewal Fee Waiver | Waived if spend ≥ ₹50,000 in any quarter of the calendar year |
| Card Replacement Fee | ₹100 + applicable charges |
| Hotlisting Charges | NIL |
| Late Payment Fee | ₹250 + GST (if Minimum Amount Due is not paid) |
Interest & Finance Charges
| Transaction Type | Charges Applicable |
|---|---|
| Revolving Credit | 24% p.a. from transaction date |
| Cash Withdrawal Interest | 24% p.a. from withdrawal date till repayment |
| Cash Withdrawal at TMB ATM | 3% of transaction amount (Min ₹30) |
| Cash Withdrawal at Other ATMs | 3% (Min ₹30) + charges by other bank (if applicable) |
Billing & Payment Cycle
| Billing Detail | Timeline |
|---|---|
| Billing Date | 25th of every month |
| Payment Due Date | 10th of the succeeding month |
| Statement Mode | E-Statement only |
| Alerts | SMS & Email sent for every payment |
Repayment Options
| Mode | Details |
|---|---|
| Internet Banking | Net Banking → General Services → Service Requests → New Requests → Credit Card Payment |
| NEFT / RTGS | Account No: 16-digit Card Number Account Name: Cardholder Name IFSC: TMBL0000900 Bank: Tamilnad Mercantile Bank Ltd |
| Over-the-Counter | Payment at any TMB Branch |
| Auto Debit | Debit from linked Savings Account on 10th of every month |
Frequently Asked Questions
Find answers to the most common questions about eligibility, benefits, and
features of the TMB Royal Savings Bank Account
