TATA capital EMI card 2023: Benefits, How to Apply online for TATA Card?

TATA capital EMI card 2023: How to Apply online for TATA Card? TATA capital EMI card is one of the most famous and popular credit cards in India. With a TATA capital EMI card, you can avail plenty of discounts and cashback on all you are shopping through it. The card is also accepted at multiple shops and merchants without any difficulties. You can pay through the card in online shopping as well.

TATA capital EMI card

You get some reward points and cashback on every shopping, which is widely accepted by everyone. You get a pre-approved limit on your card according to your income and credit score. This is an outstanding feature, as this limits the extra spending or overspending. You can get it through EMI with the card whenever you buy something, and the EMI is at zero cost. However, the zero-cost EMI is not available on all the products. There isn’t any documentation required as well. You can have access to the card within a few minutes.

Launched ByTata is one of the biggest companies in India, and it has a considerable market value and share. Tata is well known for its cars and also for its financial services. Recently they have introduced their TATA capital EMI card. With the help of this card, we can buy almost everything on credit, and a few of those are interest-free as well. 
Eligibility criteriaTo have a TATA capital EMI card, you need to be eligible for it first. You can only take a TATA capital EMI card if you are a citizen of India. It would help if you were at least 18 years old to take the card.  
Application process (Online)The application process to get a TATA capital EMI card is very easy and convenient. You can apply for it by visiting the official website. From there, you can easily apply for it by choosing all the pre-approved offers.
Documents RequiredYou need to have identity proof like an aadhaar card, Voter ID card, etc. You also need to have address proof like driving license, passport, etc. Some other documents related to your income and others are required as well. 

Eligibility criteria

There are some eligibility criteria that you need to know before applying for the TATA capital EMI card. If you had any credit card in the past, you could easily have the card within minutes, but you need to spend some time it if you are entirely new to it. Despite all that, the process is still relatively easy and convenient. You can apply through an online process, and that makes it very hassle-free. 

We have mentioned all the eligibility criteria below:

  • The applicant must have to be a citizen of India to be able to apply for a TATA capital EMI card. 
  • You need to have a regular source of income, so that you can repay the credit in time. You also need to have a certain minimum monthly salary to get the card.
  • Your age must have to be either equal to 18 or more than that. 
  • Your credit score is also very important and you need to have a good credit score. 

Application process (Online) 

The application process to take a TATA capital EMI card is very easy and convenient to fill. You can apply for them either online or offline as well. This provides a lot of flexibility to all the applicants who want to use it. If you live somewhere isolated or are unable to move freely, you can apply for it online. You can get the physical card delivered to you within a few days. 

The online process to apply for a TATA capital EMI card is mentioned below:

Step I – first of all, you need to visit the official website, www.tatacapital.com, to apply for the card. 

Step II- You need to choose the pre-approved credit after filling the application form and submit some basic details about yourself. A maximum of 1.5 lakhs credit is available, which is approved to you based on your income and credit score.

Step III – once the form is filled, you need to submit all the documents required.

Step IV – After the document is successfully submitted, it will further verify the company’s officials.

Step V – after all the process is completed, your card no will be provided to you. You can also expect the physical card to be delivered to you within a few days.

Documents required

  • Identity proof – Aadhaar card, passport, voter ID card, etc.
  • Address proof – Aadhaar card, driving license, passport, etc.
  • Income proof like, bank statement of last few months or the most recent salary slip. Some others might also be needed on some exceptions. 
  • Pan card is also required for a KYC. 

Frequently asked questions

How do I pay the EMI taken from the TATA capital EMI card?

You don’t need to do anything to pay the credit. The amount gets directly debited from your bank account linked with the card.

Are there any cashback or offers provided on shopping through TATA capital EMI card?

Yes, there are cashback and offers on every transaction through a TATA capital EMI card. The offers will be directly credited to your account, or you will get the information now from TATA. 

What is the limit of the card?

The maximum limit of the card is 1.5 lakhs INR, which you use every month. 

How much do I need to spend annually to waiver the annual fee?

You need to spend at least 60,000 INR on an annual basis to waive the annual fee.

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