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Tamilnad Mercantile Bank

TMB Wings RuPay Credit Card

Checked against Tamilnad Mercantile Bank's 3 documents for this card on 02 Nov 2026
COFFER Safety Stars4 of 5See the five checks
Interest
1 of 1
Foreign spends
0 of 1
Spend fees
None1 of 1
Clarity
The bank's documents answer 12 of 13 cost questions1 of 1
Fine print
No gaps found1 of 1

Rated 09 Nov 2026 after reading every document the bank publishes for this card. Not a recommendation. How we rate

Open to new applications · Earns points

First-year fee

₹0

Annual fee

₹250 a year.

Read from 3 Tamilnad Mercantile Bank documents, last checked 8 Nov 2026.

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How it compares

Compared with the cards we have read

₹250 annual fee: of the 447 other open cards whose annual fee we have read, 143 state a lower one, 3 state the same and 301 state a higher one.

3.5% forex markup: of the 480 other open cards whose forex markup we have read, 162 state a lower one and 318 state the same.

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Fees

  • Renewal fee

    ₹250 a year.

  • Joining fee

    ₹0

  • Fee waiver rule

    Renewal Fee Waiver Waived if spend ≥ ₹50,000 in any quarter of the calendar year.

Also included

  • Purchase to EMI conversion

    EMI facility available for spends ≥ ₹5,000 (single or cumulative), excluding cash withdrawal

Charges

  • Forex markup

    3.5% on foreign currency transactions.3.5% on the INR converted amount

  • Cash advance fee

    3% of transaction amount (Min ₹30) + charges by other bank at other ATMs (if applicable)

  • Cash advance interest

    24% p.a. from withdrawal date till repayment

  • Cash withdrawal limit

    25% of sanctioned credit limit.

  • Interest on unpaid balance

    24% per annum from the date of transaction if the total amount due is not paid fully.

  • Interest-free period

    Up to 45 days

  • Late payment fee

    ₹250 + GST if Minimum Amount Due is not paid within due date

  • Card replacement fee

    ₹100 + applicable charges

  • EMI conversion fee

    EMI conversion Fee 0.5% subject to minimum of ₹150/

Eligibility

  • Eligibility

    Individual having Savings Bank Account with TMB for minimum 1 year, filed IT Returns for last 2 years, latest CIBIL Score minimum 700

  • Income requirement

    ₹3 lakhs & above annual income.

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How we know - 3 documents from Tamilnad Mercantile Bank, checked 8 Nov 2026

3 documents from Tamilnad Mercantile Bank, checked 8 Nov 2026.

Apply on Tamilnad Mercantile Bank

₹250 a year

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