{"id":85931,"date":"2026-03-26T16:42:35","date_gmt":"2026-03-26T11:12:35","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=85931"},"modified":"2026-03-26T16:42:41","modified_gmt":"2026-03-26T11:12:41","slug":"tmb-phoenix-rupay-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/tmb-phoenix-rupay-credit-card\/","title":{"rendered":"TMB Phoenix RuPay Credit Card: Key Highlights to Know About"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"key-takeaways\"><strong>Key Takeaways<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The TMB Phoenix RuPay credit card comes with no joining fees.<\/li>\n\n\n\n<li>Get lost card liability coverage of up to \u20b950,000.<\/li>\n\n\n\n<li>Submitting the latest IT return for 2 years is mandatory when applying.<\/li>\n\n\n\n<li>Associated with a late payment fee of \u20b9250 + GST.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>The TMB Phoenix RuPay Credit Card is tailored for business customers, offering valuable benefits on utilities, insurance and other essential expenses. <\/p>\n\n\n\n<p>With features like a buy now, pay later option through EMIs and an annual fee waiver, it is designed to support your business needs seamlessly. Read on to explore what other features and benefits the TMB Phoenix RuPay Credit Card offers.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#tmb-phoenix-ru-pay-credit-card-benefits-features\">TMB Phoenix RuPay Credit Card Benefits &amp; Features<\/a><\/li><li><a href=\"#tmb-phoenix-ru-pay-credit-card-eligibility-criteria\">TMB Phoenix RuPay Credit Card Eligibility Criteria<\/a><\/li><li><a href=\"#documents-required-for-tmb-phoenix-ru-pay-credit-card\">Documents Required for TMB Phoenix RuPay Credit Card<\/a><\/li><li><a href=\"#tmb-phoenix-ru-pay-credit-card-fees-and-charges\">TMB Phoenix RuPay Credit Card Fees and Charges<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"tmb-phoenix-ru-pay-credit-card-benefits-features\"><strong>TMB Phoenix RuPay Credit Card Benefits &amp; Features<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/TMB-Phoenix-Benefits-1024x682.jpg\" alt=\"TMB Phoenix RuPay Credit Card Benefits &amp; Features\" class=\"wp-image-85933\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/TMB-Phoenix-Benefits-1024x682.jpg 1024w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/TMB-Phoenix-Benefits-300x200.jpg 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/TMB-Phoenix-Benefits-150x100.jpg 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/TMB-Phoenix-Benefits-768x512.jpg 768w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/TMB-Phoenix-Benefits.jpg 1075w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li>There is an option for EMI available for spends in single or cumulative amounts of \u20b95,000 and above for specific spend categories (except cash withdrawal).<\/li>\n\n\n\n<li>Avail insurance coverage of personal accident death covers of \u20b92 lakh.<\/li>\n\n\n\n<li>Get a lost card liability coverage of up to \u20b950,000, covered from the time of intimation to <a href=\"https:\/\/www.tmb.bank.in\/\" target=\"_blank\" rel=\"noopener\">the bank<\/a>.<\/li>\n\n\n\n<li>The annual renewal fee is waivable if the customer spends \u20b91,00,000 in a calendar year.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"tmb-phoenix-ru-pay-credit-card-eligibility-criteria\"><strong>TMB Phoenix RuPay Credit Card Eligibility Criteria<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Any proprietor or individual having a current account with our bank for a minimum tenure of 1 year.<\/li>\n\n\n\n<li>Applicants should present 2 income tax returns filed of \u20b93 lakh and above (per annum).<\/li>\n\n\n\n<li>A minimum CIBIL score of 700.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"documents-required-for-tmb-phoenix-ru-pay-credit-card\"><strong>Documents Required for TMB Phoenix RuPay Credit Card<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>KYC Documents such as PAN card (mandatory), Aadhaar card, voter ID or Passport<\/li>\n\n\n\n<li>Proof of Income\u00a0<\/li>\n\n\n\n<li>Latest IT return for 2 years<\/li>\n\n\n\n<li>Passport-sized photographs<\/li>\n\n\n\n<li>Duly signed application form\u00a0<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"tmb-phoenix-ru-pay-credit-card-fees-and-charges\"><strong>TMB Phoenix RuPay Credit Card Fees and Charges<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameters<\/strong><\/td><td><strong>Fees and Charges<\/strong><\/td><\/tr><tr><td>Joining Fee&nbsp;<\/td><td>NIL<\/td><\/tr><tr><td>Annual Renewal Fee&nbsp;<\/td><td>\u20b9500<\/td><\/tr><tr><td>Cash Withdrawal Fee&nbsp;<\/td><td>3% of the transaction amount, subject to a minimum of \u20b930<\/td><\/tr><tr><td>Finance Charges&nbsp;<\/td><td>24% per annum (from the date of cash withdrawal until repayment)<\/td><\/tr><tr><td>Foreign Markup Fee<\/td><td>Up to 3.50%<\/td><\/tr><tr><td>Late Payment Fee&nbsp;<\/td><td>\u20b9250 + GST<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\ud83d\udca1Never worry again about having to pay late payment fees. Wondering how? Download the<a href=\"https:\/\/piceapp.com\/\"> Pice app<\/a> to get timely reminders and manage due credit card bill payments just in time without paying hefty fines. Get the app today!<\/p>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"footnote\"><strong>Footnote<\/strong><\/h3>\n\n\n\n<p>The card comes with an interest-free credit period of 45 days.<\/p>\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1774523174954\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What is the cash advance limit of the TMB Phoenix RuPay Credit Card?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The cash advance limit of the TMB Phoenix RuPay Credit Card is 25% of the sanctioned card limit. The maximum limit per day of cash withdrawal is \u20b925,000.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1774523192919\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What is the minimum repayment on the revolving credit of the TMB Phoenix RuPay Credit Card?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The minimum repayment on revolving credit of the TMB Phoenix RuPay variant of the card is 10% of the monthly total billed amount. It is subject to a minimum of \u20b9500.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1774523206986\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How to activate and set PIN for TMB Phoenix RuPay Credit Card?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Log in to the self-care portal of Tamilnad Mercantile Bank Ltd. (TMB), then click on the &#8216;view all cards&#8217; option. Then select &#8216;change PIN&#8217; and enter details to set up the PIN successfully.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways The TMB Phoenix RuPay Credit Card is tailored for business customers, offering valuable benefits on utilities, insurance and other essential expenses. With features like a buy now, pay later option through EMIs and an annual fee waiver, it is designed to support your business needs seamlessly. Read on to explore what other features [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":85932,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-85931","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85931","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=85931"}],"version-history":[{"count":1,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85931\/revisions"}],"predecessor-version":[{"id":85934,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85931\/revisions\/85934"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/85932"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=85931"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=85931"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=85931"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}