4.1 from 443 Users
Travel Complimentary Unlimited Visits Lounge Access
at domestic and international airports
TATA CLiQ Worth ₹5,000
for American Express Cardholders, twice every year
Earn Up To 12X Rewards on
flight, bus and hotel bookings under promotional offers
Shopping
Travel
Joining Fees
₹14,160 ( ₹12000 + GST )
N/A
Annual Fees
₹14,160 ( ₹12000 + GST )
Spend ₹10,00,000 in a year to get next year’s annual fee waived
Age Criteria
21-60 years
Salary Criteria
18 LPA
Credit Rating*
720+
See if you are eligible for this card
Rewards Conversion Rate
1 reward point = ₹0.25
Redemption Options
To check redemption catalogue
All Benefits
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel
Insurance
Utility
For Spends Waiver
Fuel
Insurance
Utility
| Structure | Details |
|---|---|
Forex Markups   2% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 2% |
APR Fees Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid | 3.75% |
ATM Withdrawl | N/A |
Reward Redemption Fees No fee is charged when redeeming reward points on this card. | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge A railway booking surcharge of 1.80% for online transactions and 2.50% for other bookings is applied, with additional bank charges and taxes recovered at actuals. | 1.80% |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
Cheque Payment Fees A fee of ₹150 of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal | ₹100 |
Cash Payment Fees ₹150 cash payment fee per deposit | ₹150 |
| Late Payment Fees Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared | Amount Due |
|---|---|
| ₹0–₹100 | ₹0 |
| ₹100–₹500 | ₹100 |
| ₹501–₹1,000 | ₹500 |
| ₹1,001–₹5,000 | ₹600 |
| ₹5,001–₹10,000 | ₹750 |
| ₹10,001–₹25,000 | ₹900 |
| ₹25,001–₹50,000 | ₹1,100 |
| Above ₹50,000 | ₹1,300 |
TOP USPs
Travel Complimentary Unlimited Visits Lounge Access
at domestic and international airports
TATA CLiQ Worth ₹5,000
for American Express Cardholders, twice every year
Apply Now