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| Credit Card | Annual Fee | Suited For |
| TMB Titanium Credit Card | Nil | Those who have their annual gross income of Rs.3 lakh or more |
| TMB Platinum Credit Card | Nil | Those who maintain their individual term deposit of Rs.50,000 and above |
TMB offers 2 credit card variants with no joining and an annual fee that provides a host of benefits to you. The cards enable you to “Buy Now and Pay Later” for the purchase of goods and services up to a specified credit limit. You can look at some of the significant features of TMB credit cards below:
Best Suited For: Shopping
Credit Limit- Enjoy flexible credit limit option ranging from Rs.20,000 to Rs.5 lakh within 45 days credit period based on the eligibility norms.
Cash Withdrawal- The cash withdrawal facility is permitted only via ATMs at nominal interest charges.
Joining / Annual Fee- The card comes with zero joining or annual fee.
EMI- You have the option to avail EMI facility with this card.
International transactions- The card allows you to facilitate online transactions.
Insurance Cover- Get free accidental insurance cover of Rs.5 lakh.
Alerts- Avail free SMS alert and free account statement facility.
Add-on Cards- Get up to 2 free add-on cards for spouse and for children (above 18 years of age).
Validity- This card is valid for a period of 3 years from the date of issuance.
Similar Card:
Credit Limit- Avail the facility of flexible credit limit ranging between Rs.20,000 to Rs.5 lakh. The facility is available with a 45 days credit period based on the eligibility norms.
Cash Withdrawal- You can withdraw cash only via ATMs at set nominal interest charges.
No Joining / Annual Fee- The card gives you total freedom when it comes to paying the join or annual fee.
EMI- The EMI facility is also provided by the card.
International Transactions- All the international transactions are permitted via this card.
Insurance Cover- With this card, get free accidental insurance cover of Rs.5 lakh.
Alerts- Get SMS alerts and account statement facility free of cost with this card.
Validity- This card is valid for a period of 3 years from the date of issuance.
Please Note: Tamilnad Mercantile Bank is not a Paisabazaar partner. Offers would be from partner Banks/NBFCs only.
Below listed are the fees and charges associated with both the card variants-
| Primary Feature | Fees / Charges |
| Joining / Annual Fee | Nil |
| Renewal Fee | Rs.250 for primary card
Rs.150 for add-on card |
| Finance Charges | 2% per month (24% per annum) |
| Late Payment Charges | Rs.250 |
| Cash Advance Transaction Fee | 3% of the transaction amount subject to mim of Rs.30 for every Rs.1000 or part thereof |
| Cash Withdrawal (at other ATMs) | 3% of the transaction amount subject to mim of Rs.30 for every Rs.1000 or part thereof |
| Foreign Currency Mark-up | Up to 3.50% |
| Card Replacement Charges | Rs.100 |
| Hot Listing Charges | Free |
| Duplicate Statement | Rs.100 per statement (more than 2 months old) |
Your income, age credit score, credit history and some other factors play a major role before you apply for a credit card. Also, the criteria vary from card to card. The bank reserves the right to accept or reject your application on the basis of the set criteria.
| TMB Credit Cards Eligibility Criteria | |
| TMB Titanium Credit Card | TMB Platinum Credit Card |
| ● Should have CASA with the bank
● Income Tax Assessment for 3 years ● Gross annual income of Rs.3 lakh or plus ● Latest CIBIL report should not have any adverse remarks |
● Against your Term Deposit with bank
● Minimum period of deposit should be 3 years ● The deposit amount should be Rs.50,000 and above ● Lien should be marked on the deposit |
Documents Required to apply for TMB credit cards:
| Proof of Identity | PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI |
| Proof of Address | Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 month’s old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement |
| Proof of Income | Latest one or 2 salary slip (not more than 3 months old), Latest Form 16, Last 3 months’ bank statement |
You can easily apply for any of the credit card variants either online or offline. Given below is the detailed description of both the methods-
Online Application-
Step 1- Go to the official website of Tamilnad Mercantile Bank.
Step 2- Login into your netbanking account.
Step 3- Click on your preferred card variant and proceed further.
Step 4- In the newly opened page, click on the ‘Apply Now’ section.
Step 5- Fill all the required details and click on ‘Proceed’.
Step 6- Upon successful submission, the bank will contact you for further process of documentation.
Offline Application-
If you wish to apply for the card offline, you can do so by visiting the nearest branch. Go to the bank’s executive and request for the application form. Fill the form with the relevant details and submit it along with the required documents. The bank will dispatch your card after further processing and verification. Also, it is to be noted that the bank solely holds the right to accept or reject your application on the basis of eligibility norms.
For any credit card related query, issue or complaint you can contact the customer service of Tamilnad Mercantile Bank. You can contact on 044-26193019, 26193020 or drop a mail to creditcardcell@tmbank.in
Postal Address- AC 16, 2nd Avenue, 3rd Floor, Anna Nagar (West), Chennai- 600040
What is the repayment tenure if I use my TMB credit card to make purchases?
The repayment of the overdraft or the loans has to be completed within one year from the date of purchases made.
How do I get my TMB credit card with a photo?
You are required to contact the bank and specify to them that you required a photo credit card. The bank will charge a nominal fee for providing the same to you.
If I misplace or lose my TMB credit card then what should I do?
If you lose your card or it gets stolen, you will have to get that card blocked first. You can do so by contacting the customer care of TMB on their 24×7 helpline number.
How to avail the 3D secure system?
To avail this facility you are required to register online for the same.
