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CREDIT CARD

TMB VIBE360 Credit Card

Tamilnad Mercantile Bank

Term Deposit-backed Visa credit card for NRI and resident customers, with no joining or annual fee, a credit limit linked to the deposit and up to 45 days interest-free credit.

Needs a TMB Term Deposit of ₹50,000 or more held for at least 3 years. Limit is up to 75% of the deposit value, capped at ₹10,00,000. Cash withdrawal is limited to 25% of the sanctioned limit.

TMB VIBE360 Credit Card
ANNUAL FEE
No annual fee
JOINING FEE
No joining fee
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
Credit limit from ₹30,000 up to 75% of the Term Deposit value (max ₹10,00,000), with no joining or annual fee.
BEST FOR
Included: May suit NRI or resident individuals who hold a qualifying TMB Term Deposit and want a credit limit linked to it.
Included: May suit customers who already hold a TMB Term Deposit of ₹50,000 or more for 3 years.
Included: May suit those who want a card with no joining or annual fee.
Included: May suit NRI and resident customers wanting a limit linked to their deposit value.
Limitation: Those without a TMB Term Deposit of ₹50,000+ for 3 years may wish to compare other cards.
Limitation: Those applicants who do not hold a Term Deposit with TMB may wish to compare other cards.
Limitation: Those looking for reward points or cashback may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Cash withdrawal at a TMB ATM costs 3% of amount (min ₹30 per ₹1,000 or part), plus finance charges of 2% per month.
Condition: Foreign currency conversion markup is up to 3.5%.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
Not stated
Maximum age
Not stated

Fees & ownership

Joining fee
No joining fee
Annual / renewal fee
No annual fee
Fee waived at
Not stated
Forex markup
3.5%
Finance charge
2% per month
Cash withdrawal fee
3% of the amount, minimum ₹30
Late-payment charge
Not stated
Interest-free period
Not stated

Benefits & privileges

TRAVEL
Domestic airport lounge
Not stated
International airport lounge
Not stated
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Not stated
EVERYDAY
Fuel
Not stated
Dining
Not stated
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
Not stated
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Not stated

Who this card may suit

MAY SUIT
Included: Credit limit from ₹30,000 up to 75% of the Term Deposit value (max ₹10,00,000), with no joining or annual fee.
Included: Contactless EMV chip card at no extra charge; Green PIN is generated digitally (paperless) and no PIN mailer is issued.
Included: Add-on cards are free for spouse and children above 18 years; card validity is 3 years.
Included: Cash advance limit is 25% of the sanctioned credit limit; daily cash withdrawal limit is ₹25,000 (subject to RBI norms, if applicable).
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.