TMB Wings RuPay Credit Card For Safer Cashless Payments

Bio

Sandipan Mitra is the CEO and co-founder of Pice. He boasts eight years of experience in the B2B and fintech sector. Sandipan's journey includes significant roles at multiple Indian Unicorns Including Product at PayU, and as founding member / VP, Product at Open Financial Technologies.

25 Mar 26
3 mins

Sandipan Mitra

08 Mins
25-03-26

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Table of Contents

TMB Wings RuPay Credit Card Benefits
TMB Wings RuPay Credit Card Charges

EMI available for spends above ₹5,000 transactions.
Accident insurance cover worth ₹2,00,000 for cardholders.
Lost card protection available up to ₹50,000 coverage.

The TMB Wings RuPay Credit Card from Tamilnad Mercantile Bank allows customers to buy now and pay later within an approved credit limit. The card is accepted at merchant outlets in India and many locations worldwide.

It comes with no joining fee and an annual renewal fee of ₹250. The card remains valid for 3 years and includes EMV chip security for safer payments.

Thinking of applying online for the TMB Wings RuPay Card? Continue reading to know the features and charges to make an informed decision.

TMB Wings RuPay Credit Card Benefits

The TMB Wings RuPay Card offers you free add-on cards and an interest-free credit period of up to 45 days. These features help manage spending with greater flexibility.

Some other features of the Wings RuPay Card are:

Annual renewal fee waiver applies when spending reaches ₹50,000 in any calendar quarter.
EMI facility is available for transactions of ₹5,000 or more in eligible categories.
Cardholders receive personal accident death cover of ₹2,00,000 provided by RuPay.
Lost card liability cover protects up to ₹50,000 after the bank receives notification of the loss.

TMB Wings RuPay Credit Card Charges

Cardholders can withdraw cash up to 25% of the sanctioned credit limit, with a maximum daily withdrawal of ₹25,000.

The table below explains important charges applicable to the TMB Wings card:

Parameters	Charges
Cash Withdrawal Charges	3% or min. ₹30
Card Replacement Charges	₹100
Finance Charges	24%
Late Payment Fee	₹250+GST

Note: Billing due dates usually fall on the 5th or 10th of the following month, based on your billing cycle.

💡To avoid missed payments and penalties, install the Pice app to receive reminders, pay credit card bills quickly, and track transactions easily from one place.

Footnotes

Foreign currency transactions attract a conversion markup of up to 3.5% of the transaction value.
Customers can choose between 2 billing cycle dates, which are the 20th or 25th of every month.

FAQs

How can users log in to the credit card self-care portal?

Enter your customer ID on the portal and choose the ‘Forgot Password’ option. Use the OTP to set a new password. You can then log in with your customer ID and password.

How can cardholders activate or change the credit card PIN?

Log in to the self-care portal and open the section that shows all cards. Select ‘Change PIN’ and enter the required details to set or update your PIN.

What are the eligibility requirements for the TMB Wings RuPay Credit Card?

Applicants must hold a savings account with the bank for at least 1 year. They also need a minimum annual income of ₹3 lakh and a CIBIL score of 700 or above.