TMB Titanium Credit Card
The TMB Titanium Credit Card is Tamilnad Mercantile Bank's personalised credit card, offering a credit limit of up to Rs.5 lakh with no joining fee. It comes with a 3-year validity, add-on cards for family members, and a 2% per month finance charge. Compare the TMB Titanium Credit Card and apply online through BankBazaar.
Key Highlights of TMB Titanium Credit Card
- No joining fees
- Valid for 3 years
- Maximum credit card limit of Rs.5 lakh
Features and Benefits of TMB Titanium Credit Card
Add-on card Benefit | Up to 2 add-on credit cards for family members. |
Cash Advance Benefits | 25% of the credit limit can be given as an advance. |
Green PIN Benefits | TMB offers a paperless service and offers the PIN will be a green PIN where it will be generated online. |
Interest-free Credit Period | Up to 45 days |
Insurance Benefit | Free personal accidental cover of Rs.5 lakh (death benefit only). |
TMB Titanium Credit Card Limit
The limit on the TMB Titanium Credit Card is given at the discretion of the bank. The Tamil Nadu Mercantile Bank takes into consideration the annual income of the primary applicant and the Income Tax Assessment before assigning the credit limit. Along with this, the credit score, credit utilisation ratio, and the repayment habits of past debts will be considered.
TMB Titanium Credit Card Fees and Charges
Type of Charge | Amount |
Issuance charges | Free |
Renewal fee | Rs.250 |
Finance charges | 2% |
Annual fee | Free |
Replacement card charges | Rs.100 |
Late payment charges | Rs.250 |
Cash advance transaction fee | 3% of the transaction amount |
Charge slip retrieval fee | Rs.100 |
Duplicate statement fee | Rs.100 |
Cheque dishonour fee | Rs.150 |
Renewal fee (add-on card) | Rs.150 |
Minimum amount due | 10% of the total billed amount, subject to a minimum of Rs.500. |
Note: Interest rates updated on 9 September 2026.
Eligibility Criteria for the TMB Titanium Credit Card
- The applicant must have a current account or savings account with the bank.
- Income Tax Assessment for 3 years.
- Annual Income of Rs.3 lakh or more.
Summary
The TMB Titanium Credit Card is a personalised, no-joining-fee credit card from Tamilnad Mercantile Bank, offering a credit limit of up to Rs.5 lakh and a 3-year validity. It comes with add-on cards, a cash advance facility, and a paperless Green PIN, with fees and eligibility criteria detailed above. Compare the TMB Titanium Credit Card on BankBazaar and apply online today
FAQs on TMB Titanium Credit Card
1.What is the TMB Titanium Credit Card?
The TMB Titanium Credit Card is a personalised credit card issued by Tamilnad Mercantile Bank, with a photo printed on the card and a fixed validity period. It comes with no joining fee and offers cardholders a credit limit set according to their profile. The card is designed for individuals who already bank with TMB.
2.What are the key benefits of the TMB Titanium Credit Card?
The TMB Titanium Credit Card offers no joining fee, a personalised photo on the card, and the option to add family members as add-on cardholders. It also includes a cash advance facility and a paperless Green PIN service. These benefits are detailed in the features section above.
3.How is the credit limit on the TMB Titanium Credit Card decided?
The credit limit on the TMB Titanium Credit Card is decided at TMB's discretion, based on the applicant's annual income and Income Tax Assessment. The bank also factors in the applicant's credit score, credit utilisation ratio, and repayment history. The limit assigned can therefore vary from one applicant to another.
4.Can I get an add-on card with the TMB Titanium Credit Card?
Yes, primary holders of the TMB Titanium Credit Card can apply for add-on cards for eligible family members. Each add-on cardholder gets their own card linked to the primary account. The number of add-on cards allowed is listed in the features section above.
5.Does the TMB Titanium Credit Card offer a cash advance facility?
Yes, the TMB Titanium Credit Card lets cardholders withdraw cash against a portion of their credit limit. This facility attracts a separate transaction fee, listed in the fees and charges table above. Cardholders should check the applicable charges before using this facility.
6.What is the Green PIN feature on the TMB Titanium Credit Card?
The Green PIN is a paperless facility that lets TMB Titanium Credit Card holders generate their card PIN online instead of receiving it by post. This makes PIN generation faster and more convenient. It reflects TMB's move towards paperless card servicing.
7.Does the TMB Titanium Credit Card have an interest-free period?
Yes, the TMB Titanium Credit Card offers an interest-free credit period on purchases before finance charges apply. The exact number of interest-free days is listed in the features section above. Finance charges apply only if the outstanding amount is not cleared within this period
8.What fees apply to the TMB Titanium Credit Card?
The TMB Titanium Credit Card has fees for renewal, replacement, late payment, and cash advance transactions, among others. These charges are listed in the fees and charges table above. Cardholders should refer to this table for the amount currently applicable to each charge.
9.Who is eligible for the TMB Titanium Credit Card?
Eligibility for the TMB Titanium Credit Card requires the applicant to hold a current or savings account with TMB. Applicants must also meet the bank's Income Tax Assessment and minimum annual income requirements, listed in the eligibility section above. Meeting these criteria does not guarantee approval, as the bank assesses each application individually.
10.How do I apply for the TMB Titanium Credit Card?
You can apply for the TMB Titanium Credit Card online through BankBazaar by checking your eligibility and submitting the required details. BankBazaar also lets you compare the TMB Titanium Credit Card against other cards before applying. Keep your income and identity documents ready to complete the application.
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