TMB Vertex 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 Vertex Credit Card offers a flexible and secure credit experience for customers seeking convenience without added cost. Designed with a contactless EMV chip, the card ensures responsible and secure usage
Product Highlights
The TMB Vertex 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.
Eligibility
TMB VIBE360 Credit Card is available to Resident individuals. Limits are based on incoe, with eligibility extending to customers who prefer secure credit access
Features, charges and daily limits
A premium Visa Credit Card Designed for high-income individuals with enhanced limits & benefits
Key Features & Benefits
| Parameter | Details |
|---|---|
| Eligibility | Any individual holding account with the Bank with source of income |
| Card Type | Visa |
| 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 | No such limit |
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 and also through Mobile Banking |
| 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 |
அடிக்கடி கேட்கப்படும் கேள்விகள்
தகுதி, நன்மைகள் மற்றும் அம்சங்கள் குறித்த மிகவும் பொதுவான கேள்விகளுக்கான பதில்களைக் கண்டறியுங்கள்.
TMB ராயல் சேமிப்புக் கணக்கின் சிறப்பம்சங்கள்
