To apply for a Tamilnad Mercantile Bank (TMB) Credit Card, follow these steps:
1. Check Eligibility Criteria
Ensure you meet the basic requirements:
- Age: Typically 21–60 years (may vary by card type).
- Minimum income: Depends on the card variant (salaried/self-employed).
- Indian residency and a valid PAN card.
- Good credit score (usually 750+).
2. Documents Required
Prepare the following:
- Identity Proof: PAN card, Aadhaar, Passport, or Voter ID.
- Address Proof: Aadhaar, Utility bills, or Passport.
- Income Proof: Salary slips (last 3 months), ITR (last 2 years), or bank statements.
- Existing TMB Account Holders: May need fewer documents if pre-approved.
3. Application Methods
Online Application
- Visit the official TMB website: www.tmb.in.
- Navigate to the Credit Cards section.
- Select the card variant (e.g., TMB Classic, Gold, Platinum, or co-branded cards).
- Fill in personal, employment, and financial details.
- Upload scanned copies of required documents.
- Submit the application and note the reference number.
Offline Application
- Visit the nearest TMB branch.
- Request a credit card application form.
- Fill in details, attach documents, and submit to the bank representative.
4. Post-Application Process
- Verification: TMB will verify your details and documents.
- Credit Check: A hard inquiry will be made on your credit report.
- Approval/Rejection: You’ll receive an SMS/email within 7–14 working days.
- Card Delivery: If approved, the card will be dispatched to your registered address.
5. Key Tips
- Check for pre-approved offers if you’re an existing TMB customer (via NetBanking or SMS).
- Compare card variants for benefits (rewards, cashback, fees) before applying.
- Avoid third-party websites to prevent fraud; use only TMB’s official channels.
- Track your application status via TMB customer care or online portal.
Contact TMB for Support
- Customer Care: 1800 425 2299 / 1800 102 7236
- Email: services@tmb.in
- Branch Locator: TMB Branch Finder
Always review the terms and conditions, including annual fees, interest rates, and reward policies, before applying.