TMB Titanium Credit Card
A simple and secure credit card backed by your deposit, offering controlled credit access for everyday spending
Free joining & zero annual fee
EMV contactless chip for enhanced security
Flexible credit limit backed by Term Deposit
Up to 45 days of interest-free credit
Overview
TMB Titanium Credit Card offers a flexible and secure credit experience for customers seeking convenience without added cost. Designed with a contactless EMV chip and backed by a customer’s Term Deposit, the card ensures responsible and secure usage
Product Highlights
The TMB Titanium Credit Card offers enhanced spending power, interest-free credit up to 45 days, and advanced security with contactless EMV technology—ideal for customers who value flexibility, safety, and seamless digital banking
Features and Benefits
Enjoy a minimum credit limit of Rs.20,000 and a maximum of up to Rs.5,00,000, depending on your Term Deposit eligibility. You can withdraw cash up to 25% of the sanctioned limit with a daily withdrawal cap of Rs.25,000
Eligibility
TMB Titanium Credit Card is available to individuals with a gross annual income of Rs.2,00,000 or above, backed by a TMB Term Deposit. Limits are based on deposit value, with eligibility extending to customers who prefer secure, deposit-linked credit access
Features, charges and daily limits
A premium RuPay Credit Card Designed for high-income individuals with enhanced limits & benefits
Key Features & Benefits
| Parameter | Details |
|---|---|
| Eligibility | Any individual with gross annual income of ₹2,00,000 and above, Income-based (Unsecured) |
| Card Type | RuPay Titanium Credit Card |
| Minimum Card Limit | ₹20,000 |
| Maximum Card Limit | Up to ₹5,00,000 (Restricted to 25% of annual income) |
| Free Credit Period | Up to 45 days |
| Card Validity | 3 Years |
| Add-on Cards | Free for spouse & children above 18 years |
| EMV Chip | Contactless EMV Chip Card (No extra charges) |
| PIN Type | GREEN PIN (Paperless PIN generation) |
Cash Advance Limits
| Parameter | Limit |
|---|---|
| Cash Advance Limit | 25% of sanctioned credit limit |
| Daily Cash Withdrawal Limit | ₹25,000 (subject to RBI norms, if applicable) |
Paperless PIN Facility
| PIN Generation Methods |
|---|
| Insert card at any TMB ATM using OTP |
| Generate PIN via Credit Card Customer Portal using Card Number, Expiry Date, DOB & OTP |
| PIN mailer not issued (eco-friendly digital PIN) |
Interest & Finance Charges
| Transaction Type | Charges Applicable |
|---|---|
| Cash Withdrawal Fee (TMB ATM) | 3% of amount (Min ₹30 per ₹1,000 or part) |
| Cash Withdrawal Fee (Other ATM) | 3% + additional bank charges (if any) |
| Finance Charges on Cash Withdrawal | 2% per month (24% p.a.) |
| Foreign Currency Conversion Markup | Up to 3.5% |
Other charges
| Billing Detail | Timeline |
|---|---|
| Charge Slip Retrieval | ₹100 + GST |
| Collection Charges (Outstation Cheque) | ₹100 + GST + bank charges |
| Duplicate Statement | ₹100 + GST (for statements older than 2 months) |
| Cheque Dishonour / Failed Payment | ₹150 + GST |
Fees & Charges
| Charge Type | Amount |
|---|---|
| One-time Card Issuance | Free |
| Joining / Enrollment Fee | Free |
| Annual Fee | Free |
| Renewal Fee | ₹250 + GST (Primary Card) ₹150 + GST (Add-on Card) |
| Card Replacement | ₹250 + GST |
| Late Payment Charges | ₹250 + GST |
| Hotlisting Charges | Free |
Frequently Asked Questions
Find answers to the most common questions about eligibility, benefits, and
features of the TMB Royal Savings Bank Account
