TMB Wings (RuPay) Credit Card
Keep₹250 a year, waived by one busy quarter, and a rewards programme TMB has never written down.
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 →
3 notes on the card itself: how it is issued · the network variants · why it ranks #394
Why #394 Carried, not valued. TMB documents this card's fees, limits and eligibility to the rupee and publishes no reward structure at all — the only "benefit" its own page leads with is the interest-free period, which is a credit term and not an earn rate.
The take
Wings is Tamilnad Mercantile Bank's everyday RuPay Platinum card, and TMB is unusually plain about what it is: "suitable for regular spending such as bills, groceries, fees, and routine purchases". There is no lounge access, no welcome benefit, no milestone and no published reward rate. What there is, is a documented ₹250 renewal fee, nothing to take the card out, and a waiver test that is worth reading twice — **₹50,000 of spend in ANY single quarter of the calendar year** clears the fee for the year. One heavy quarter does it; four even ones at ₹12,500 do not. The eligibility bar is a bank-relationship bar rather than an income one: a TMB savings account held for at least a year, two years of filed returns, ₹3 lakh of annual income and a CIBIL score of 700. That combination — an existing depositor, modest income, no reward promise — is what this card is for, and TMB does not pretend otherwise. Everything about the credit terms is published and none of it is generous: 24% a year on revolving credit from the transaction date, 3% plus a ₹30 minimum on cash at TMB's own ATMs, ₹250 plus GST for a late payment, and up to 3.50% abroad. Carry it because you bank at TMB and want a card that costs ₹250 and often nothing. Do not carry it expecting to earn anything, because TMB has never said you would.
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
- Nil joining fee and nil card-issuance charge; the ₹250 renewal is the only recurring cost
- The renewal fee waives on ₹50,000 of spend in any SINGLE quarter of the calendar year
- Up to 45 days of interest-free credit, and EMI conversion on any spend of ₹5,000 or more
- Hotlisting a lost card is free; a replacement is ₹100
- Cash advance up to 25% of the sanctioned limit, ₹25,000 a day
Watch out
- TMB publishes NO reward structure for this card — no accrual rate, no redemption value, nothing
- The fee waiver is a per-QUARTER test, so ₹50,000 spread evenly across the year does not clear it
- Up to 3.50% foreign-currency markup — India's norm, with no discount
- 24% a year on revolving credit, charged from the transaction date rather than the statement date
- No lounge access of any kind, at any airport
- You need a TMB savings account at least a year old, two years of filed returns and a CIBIL score of 700 — this is not a card you apply for cold
- The card is valid three years, not the usual five
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 →
Does your spend count toward the fee waiver?
not published — and we say which
₹50,000 a year is the bar that waives the ₹250 fee. A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Not published. Tamilnad Mercantile Bank states what the TMB Wings (RuPay) Credit Card earns, but has not published which spend categories count toward the fee waiver — the ₹50,000 bar. We won't guess it from the earn table or from a sibling card: Axis published three cards' rules on one day and all three lists differed. If you hold this card and have it in writing from the issuer, send us the document and we'll source it.
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?
income, age and the route in
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.
TMB sells this to its own depositors and states the test in full: "Individual having Savings Bank Account with TMB, Minimum account vintage: 1 year, Filed IT Returns for last 2 years, Minimum annual income: ₹3 lakhs & above, Latest CIBIL Score: Minimum 700." Documents are the last three payslips or two years of returns. The account comes first; there is no cold application.
per the official Tamilnad Mercantile Bank MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
4 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
FEE MAPPING IS UNAMBIGUOUS BECAUSE TMB NAMES THE RECURRING CHARGE "RENEWAL": the Key Features table carries "Joining Fee — NIL" and "Card Issuance Charges — NIL", and a separate Fees & Charges table carries "Annual Renewal Fee — ₹250". A published nil beside a real renewal fee is our published-nil rule's shape. THE WAIVER IS QUARTERLY, NOT ANNUAL — "Waived if spend ≥ ₹50,000 in any quarter of the calendar year" — so ONE qualifying quarter clears the fee and four even quarters of ₹12,500 do not. TMB uses a different waiver shape on each of its cards: quarterly here, calendar-year on Phoenix, none published on Titanium. Card replacement ₹100 + applicable charges; hotlisting NIL. RuPay Platinum tier; card validity 3 years; interest-free period up to 45 days; EMI on any spend of ₹5,000 or more; billing on the 25th, due on the 10th, e-statement only. NO REWARD STRUCTURE IS PUBLISHED for this or any other TMB card — the pages run from eligibility to charges without reaching a reward row, and TMB's "TMB Rewards" portal names no card. NO LOUNGE ACCESS. TMB issues on its own banking licence; these are not SBI Card co-brands. The MITC route the page links (tmb.bank.in/pages/CCMITC) returns HTTP 200 and text/html carrying only site chrome — the underlying KFS PDF was not located and is the top follow-up for this issuer, because it would settle the reward question for all four cards at once.
per the official Tamilnad Mercantile Bank MITC · reviewed 10 Jul 2026
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.