how are TATA credit cards from SBI ? any exp

Have to from star bazzer toget 3% cashback?

1.what is grocery as per their def, is it only for POS or online trasaction on grofer, bigbasket counted too? whats the diff. bet. grocery/ dept when we are buying groceries from dept. stores? does local kirana store come as dept.?
yes, works on online and offline on almost all grocery stores

2.do they have reward option as statement credit along with croma?
card can be used any TATA outlet directly to redeem points without a voucher
have used multiple times in Croma,Star Bazaar and West side

3.is croma voucher they provide is online/offline?
Not used in croma online

4.is the curtomer care and payemnt gateway same as of sbi cards or is it diff for tata cards?
same

5. when they say that 5% on other tata enterprise is croma included in it , i was confused between tata titanium and tata croma titanium VS tata star card
yes croma is included in all
also it is upto 5%, i dont think croma is in 5% category

6.on there terms and condition page under fee and charges they mention surcharge ogf “1% of transaction amount for transaction Amount Between Rs. 500 to Rs. 3,000” is it for every type of shopping?
on for petrol

Joining Fees Rs. 1499 , only good credit card are free or balanced with joining bonus , else all reard will waste in annual fees

can you tell

1. online trasaction on grofer, bigbasket counted too?

2.do they have reward option as statement credit along with croma?

3.is croma voucher they provide is online/offline?

4.is the curtomer care and payemnt gateway same as of sbi cards or is it diff for tata cards?

6.on there terms and condition page under fee and charges they mention surcharge ogf “1% of transaction amount for transaction Amount Between Rs. 500 to Rs. 3,000” is it for every type of shopping?

Fees
Annual Fee (one time): Upto Rs. 499+GST
Renewal Fee (per annum): Upto Rs. 499+GST
Add-on fee, per annum: Nil
Extended Credit
Interest free credit period: 20-50 days, only for retail purchases, if previous months outstanding balance is paid in full
Finance charges#: Upto 3.35% p.m. (40.2% p.a.) for Unsecured Cards; 2.5% p.m. (30% p.a.) for Secured Cards
Minimum amount due: 5% of total outstanding, with a minimum of Rs. 200 + all applicable taxes + EMI (in case of EMI based products)+OVL amount (if any)
Cash Advance
Cash advance limit: Up to 80% of credit limit, counting to maximum of Rs. 15,000 per day for Tata Titanium Cards
Free credit period: Nil
Finance charges : Up to 3.35% per month, accounting to 40.2% per annum, from the date of transaction
Cash Advance Fees
SBI and other domestic ATMs: 2.5% of of transaction amount (subject to a minimum of Rs. 500)
International ATMs: 2.5% of of transaction amount (subject to a minimum of Rs. 500)
Other Charges and Fees
Cash payment: Rs. 100
Cheque Pick Up Fee: Rs. 100
Cheque Fee: Rs. 100 (Payments made via cheque upto Rs. 10,000)
Payment Dishonor fee 2% of Payment amount (subject to a minimum of Rs. 450)
Statement retrieval: Rs. 100 per statement that is more than 2 months old
Charge slip retrieval: Rs. 225 per charge slip
Late payment:
NIL for Total Amount due from Rs.0-Rs.500;
Rs. 400 for Total Amount due greater than Rs. 500 & up to Rs. 1000;
Rs. 750 for Total Amount due greater than Rs. 1000 & up to Rs. 10,000;
Rs. 950 for Total Amount due greater than Rs. 10,000
Over limit: 2.5% of over limit amount, (subject to a minimum of Rs. 500)
Card replacement: Rs. 100
Emergency Card Replacement Actual cost (subject to a minimum of $175) (When Abroad)
Foreign currency transaction: Conversion mark up – 3.5%
Cash upgrade fees: Rs. 500
Surcharge
Railway tickets through counter: Rs. 30 + 2.5% of transaction amount
Railway tickets through irctc.co.in : 1.8% of transaction amount + all applicable taxes
Petrol and other products or services sold at petrol pumps: 1% fuel surcharge waiver for each transaction between Rs. 500 and Rs. 3,000, exclusive of applicable taxes, wherever applicable, and all other. Maximum surcharge waiver of Rs. 100 per month per credit card account
1% of transaction amount for transaction Amount Between Rs. 500 to Rs. 3,000