Tata Credit Card Interest Rate in 2026

Credit cardholders should be aware of the interest rate, grace period and other terms and conditions in order to manage their finances more effectively. Being aware of these factors helps you avoid unnecessary costs in the future.

Thus, continue reading to learn about the Tata credit card interest rate, tricks to enjoy a lower interest rate, how it is calculated and the major factors that influence the final amount.

Tata Credit Card Interest Rate Applicability

All cards are subject to an interest rate of 3.50% per month (42% per annum) for unsecured cards and 2.75% per month (33% per annum) for secured cards.

However, these cards come with several convenient facilities that allow cardholders to manage their finances more efficiently and enjoy lower interest rates. Let us find out in detail about these facilities:

Balance Transfer

The Balance Transfer facility allows you to move your outstanding credit card balances from another issuer to your Tata Credit Card at a lower interest rate.

Enjoy 0% interest for the first 60 days and 1.7% per month for the next 180 days. You can transfer a minimum of ₹5,000 up to 75% of your available credit limit, with your exact maximum limit communicated at the time of booking.

Balance Transfer on EMI

The Balance Transfer on EMI facility works like the regular Balance Transfer but lets you pay off your dues in easy EMIs at a lower interest rate.

You can choose a tenure of 3 months at 0.75% per month or 6 months at 1.27% per month, with a processing fee of 1.5% of the amount or ₹199, whichever is higher.

Flexipay Facility

With Flexipay, you can convert your purchases into easy installments of 6, 9, 12 or 24 months, making big-ticket purchases more manageable with flexible repayment options.

A one-time processing fee of 2% (minimum ₹249, maximum ₹1,500) applies, along with an interest rate of 22% per annum or as per the applicable offer.

To avail the above-mentioned facilities, simply SMS ‘BT/BTEMI/FP’ to 56767 or call the helpline at 3902 3456 (local STD) / 1800 180 8282 (BSNL/MTNL) for assistance.

How to Calculate Tata Card Interest Amount?

Suppose you made a retail purchase of ₹600 on 15th August 2025 and an online payment of ₹700 on 20th August 2025. Your Tata Card Statement date is the 2nd of every month.

Now, assume you made a partial payment of ₹500 on 22nd September 2025. Look at the lines below to explore the finance charge calculation process while considering the rate is 3.50% per month.

On the balance of ₹600 (15th August to 22nd September) for 39 days:(3.50*12) * (39/365) * 600/100 = ₹26.96

On the outstanding balance of ₹700 (20th August to 22nd September) for 34 days: (3.50*12) * (34/365) * 700/100 = ₹27.34

Again, on the balance of ₹700 (22nd September to 2nd October) for 10 days (3.50*12) * (10/365) *700/100 = ₹7.93

Total interest amount = ₹62.23

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Factors Affecting Tata Credit Card Interest Rate

By knowing the factors that influence the Tata credit card interest rates, you can manage your finances efficiently. Let us explore them:

1. Credit or CIBIL Score

If you belong to the excellent group 750 to 900 or 701 to 749, it demonstrates that you are responsible with your credit accounts. It helps you get a credit card with a lower interest rate than customers with fair or low credit scores, who may be charged higher rates.

2. Borrowing and Repayment Activities

Making credit card bill payments on time, applying for credit when it is necessary and keeping the credit utilisation ratio below 30% are some good credit habits. It helps you become a low-risk borrower in the lender's eyes and get a card with a lower interest rate. 

3. Outstanding Balances

Tata credit cards typically come with a 20 to 50-day interest free grace period. By not paying the outstanding amount in full within this period, you attract higher interest over time. Additionally, carrying forward unpaid balances can impact your credit score and increase your overall repayment burden in the long run.

So, take proactive steps such as considering the interest-free period, paying the outstanding in full and managing your expenses wisely. These habits will help you avoid and (in some cases) reduce the high interest rate levied on your Tata card.

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Conclusion

To avoid interest rate accrued on your transactions, the best tip is to pay the full statement balance before the due date. The lenders charge interest on both scenarios: if you are late for payment and if you make new transactions while paying only the minimum or partial amount of the last month’s bill. 

Consider the above-mentioned factors, say 'no' to cash withdrawals (if not necessary) and partial payments to prevent accumulating this debt. However, it is always advisable to be aware of the Tata credit card interest rate, due dates and calculation method to avoid surprises in the coming days.

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