TMB India Card
Cancel₹150 to join, ₹250 a year, 16.5% to revolve — a fee schedule and nothing else.
no published earn rate to price
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. Everything we can source — the fee, the charges, the migration that put this card in your hand — is above and stands on its own; this card is simply not on the board, not in the calculator, and cannot win a best-of call until Tamilnad Mercantile Bank publishes terms we can cite.
Why we decline to value some cards, and what it takes to change that →
2 notes on the card itself: how it is issued · why it ranks #1117
Why #1117 Tamilnad Mercantile Bank's credit card before it had a shelf — one product, one fee schedule, ₹150 to join and ₹250 a year, personal and corporate priced identically. Withdrawn: TMB's own relaunch page says it started again from scratch with two variants, neither of them this. Carried, not valued — TMB published no reward rate for it.
The take
The TMB India Card is what a small private bank's credit card looked like before rewards were table stakes. Tamilnad Mercantile Bank published exactly one document about it — a Schedule of Charges effective 1 January 2005 — and that document is the whole product: ₹150 once to join, ₹250 a year for a personal or a corporate card, ₹150 for an add-on, ₹200 to replace a card and ₹200 to hot-list a lost one. Cash withdrawal cost 2.50% with a ₹20 floor, and a temporary overdraft carried 16.50% a year with part of a month treated as a whole one, which is the sharpest line on the page. There is no rewards section, because there was no rewards programme. TMB Rewardz does not appear in the bank's own navigation until the card business was relaunched around 2016-17, and that relaunch page introduces "our newly launched TMB Credit Cards" in two variants — Titanium, unsecured, for customers earning ₹3,00,000 or more, and Platinum, secured against a ₹50,000 term deposit — with free joining and annual fees on both. The India Card is in neither. It is on this board because it was a real Indian credit card with a published price, and because the fee ladder it represents is the thing every card since has been measured against.
Your renewal — keep, downgrade or cancel
There is no renewal arithmetic to run on this card yet — and a break-even we cannot source is not one we will print.
the whole desk — what changed, the downgrade, and what we cannot price →
Keep, downgrade or cancel
what we can and cannot price
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. A break-even is the spend at which value crosses a fee, and we are short one side of that sentence — so this desk prints no ladder, no crossing and no ₹0 standing in for either. What we can source about this card is under Sources.
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
Tamilnad Mercantile Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and we cannot price either side of it.
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- One flat schedule: ₹150 once to join, ₹250 a year, and the corporate card priced identically to the personal one
- Add-on cards at ₹150 to join and ₹150 a year
- Cash withdrawal commission of 2.50%, minimum ₹20
Watch out
- WITHDRAWN. TMB relaunched its card business with two variants, Titanium and Platinum, and this is neither; the schedule's own footer dates it to 1 January 2005
- TMB PUBLISHED NO REWARD RATE FOR IT. The Schedule of Charges is the only document and it has no rewards section, so the card is carried without an earn — not ranked, not crowned, not in the calculator
- 16.50% a year on a temporary overdraft, and the schedule warns that "Interest charged by treating part of a month as one month"
- ₹200 to replace a card and ₹200 to hot-list a lost or stolen one — both unusually steep against the ₹250 annual fee
- No lounge access and no travel benefit of any kind
What these points actually fly
Tamilnad Mercantile Bank has not published what this card earns, so there are no points here to fly with — not zero points, and not points that go nowhere: nothing stated either way. The moment a benefit sheet exists we will price whatever it names.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Closed to new applications — existing cardholders keep the card; there is no way in.
You cannot. TMB's current shelf is the Titanium, Platinum, Vertex, Vibe360 and RuPay range; the India Card page and its application route are long gone.
Tamilnad Mercantile Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
no MITC row researched for this card yet · filter the board by what you can get →
What's changed for this card
nothing tracked yet — which is itself a fact
No tracked devaluations or changes yet — this card's history starts here.
Verified against Tamilnad Mercantile Bank's own documents on
Not published , and we will not invent it: the earn rate and the currency it earns.
Every document behind this page — 2 of them, each with the day we read it
- official TMB's own "TMB India Card - Schedule of Charges" (archived 23-Oct-2006) — every fee this card ever had, and the absence of any rewards section
- official TMB's credit-card relaunch page (archived 20-Apr-2017) — the two-variant shelf that replaced this card, and the first appearance of a TMB rewards programme