SBI Card
TATA STAR Select Credit Card
Annual Fee
₹1,769₹1,499 + GSTBase Reward
3% points
Foreign Markup
3.5%
Welcome Benefits
e-Gift voucher worth ₹3,500 from STAR Rewards
Product Highlights
- e-Gift Voucher worth ₹3,500
- Up to 8 complimentary lounge visits per year
- 1% fuel surcharge waiver
Category Rewards
grocery
3 Reward Points for every ₹100 spent
3X
dining
3 Reward Points for every ₹100 spent
3X
Specialty
1 Reward Point for every ₹100 spent
1X
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
Star Bazaar
5% value back at Star Bazaar / Westside / Trent
Westside
5% value back at Star Bazaar / Westside / Trent
Trent
5% value back at Star Bazaar / Westside / Trent
Star Quik
5% value back at Star Bazaar / Westside / Trent
Reward Calculator
Earns ₹1,231/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
3K
StarBucks / Tata Star Points
₹3K
via standard
Effective rate
1.92%
Annual fee
₹1,769
Year 1 net
+₹1,231
Year 2+ net
+₹1,231
ongoing
Adjust your spend by reward bucket
2 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, balance transfer, cash advance, emi, utility, insurance, jewelry, education, railways, wallet
Fuel surcharge waiver (good news)
1%on ₹500–₹4,000 fuel txns · capped at ₹250/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 3 Reward Points for every ₹100 spent on departmental & grocery stores, dining & international spends; 1 Reward Point for every ₹100 spent on other retail spends.
- 1 RP = ₹1
Benefits & Features
Domestic: 2 complimentary visits every quarter Access to premium Mastercard lounges at airports in India.
Pros & Cons
Pros
- Bonus vouchers available for milestone spends of ₹4 lakhs or ₹5 lakhs
- Earn up to 3 Reward Points for every ₹100 spent on groceries, dining, and more
Cons
- No insurance benefits are offered with the card
- The Forex Markup fee of this card is 3.5%, which is quite high
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
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