TMB VIBE360 Credit Card
Keep₹10 lakh of Visa limit against a fixed deposit, open to NRIs, for nothing a year — and nothing to earn.
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
Welcome: Not published — TMB states no joining, activation or first-spend benefit on this card
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 →
3 notes on the card itself: how it is issued · the network variants · why it ranks #517
Why #517 Carried, not valued. TMB's biggest secured limit — ₹10 lakh against a term deposit, open to NRIs — attached to the only Indian credit-card range this desk has found that publishes no reward structure for any of its six cards.
The take
VIBE360 is the top of TMB's secured ladder and the most useful thing the bank has built for a reader with money parked and no credit file. Hold a term deposit of ₹50,000 or more for at least three years and TMB issues a Visa against it: minimum limit ₹30,000, up to 75% of the deposit, ceiling ₹10,00,000 — double what its RuPay sibling tmb-platinum will go to — with no income documentation in the test at all. The deposit is the underwriting, and it keeps earning its normal interest under the lien. The genuinely distinctive line is who can hold it. TMB's eligibility row reads "Any NRI or Resident Individual holding Term Deposit with TMB", which puts a ₹10 lakh Indian Visa card in reach of a non-resident against an NRE or NRO deposit — a route very few Indian issuers open to a non-resident without a domestic income record. Then the ceiling on ambition. There is no reward programme. Not a low one, not a capped one — none published, for this card or for the five beside it, which after six cards is a characteristic of the issuer rather than an oversight. Forex runs to 3.5%, exactly India's norm, and no lounge clause exists anywhere on the page. So this is a limit and a payment instrument, not a value proposition: take it for the ₹10 lakh headroom, the free add-on cards for a spouse and adult children, and the forty-five interest-free days, and spend on something else abroad.
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
- Up to ₹10,00,000 of limit — 75% of your term deposit, and double the ceiling on TMB's RuPay-secured Platinum
- Open to NRIs as well as residents, against a TMB term deposit — a route few Indian issuers offer a non-resident
- Free issuance and zero annual fee, in TMB's own words, twice on the page
- No income documentation: a ₹50,000 deposit held three years is the whole eligibility test
- Add-on cards free for a spouse and for children over 18
- Up to 45 days interest-free, contactless EMV chip at no extra charge, Green PIN with no mailer
Watch out
- TMB publishes no reward structure for this card, or for any of its six — no rate, no points, no cashback, so there is nothing to value
- Foreign currency conversion mark-up runs up to 3.5%, India's norm, on a card with no lounge access and no travel benefit to offset it
- The limit is locked to a deposit you must keep for at least three years — this is your own money securing your own credit
- Cash advances cost 3% (minimum ₹30 per ₹1,000), cap at ₹25,000 a day and 25% of the sanctioned limit, and accrue 2% a month, 24% a year, from the withdrawal date
- Card validity is three years, and TMB publishes no re-issue charge for this card the way it does for Vertex — confirm before renewal
- A duplicate statement older than two months is ₹100 + GST, a failed payment ₹150 + GST, a charge-slip retrieval ₹100 + GST
- The FAQ contradicts the eligibility table, answering 'Who can apply' with 'Customers meeting the prescribed income and eligibility criteria' on a card the same page says needs no income documentation
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.
Direct application — no invite list, no banking relationship required.
Through a TMB branch against a term deposit: "Any NRI or Resident Individual holding Term Deposit with TMB, Minimum Deposit Tenure: 3 Years, Minimum Deposit Amount: ₹50,000 & above". No income figure and no bureau criterion is published, and TMB says the eligibility is automatic on the deposit — though its own FAQ muddies that by referring to "prescribed income and eligibility criteria".
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 VIBE360 page — free issuance and zero annual fee, the NRI-and-resident term-deposit eligibility, the ₹30,000–₹10,00,000 limit band and the 3.5% forex mark-up
- official TMB's Platinum page, read alongside — the RuPay-secured sibling this card doubles the ceiling on, and the drift check on a file this board already carries