M16S / Tamilnad Mercantile Bank / Tamilnad Mercantile TMB Vibe360 Credit Card
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Tamilnad Mercantile TMB Vibe360 Credit Card
The Tamilnad Mercantile TMB Vibe360 Credit Card charges no annual fee and no joining fee. The forex markup is 3.5%. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Free
- Fee waived at
- —
- Base return
- —
- Forex markup
- 3.5%
- Interest
- 2%a month
Apply on tmb.bank.inOpens the bank’s own page.
Fees
| Joining fee | Free |
|---|---|
| Annual fee | Free |
| Fee notes | Free issuance, zero annual fee; add-on free for spouse and children above 18. |
Travel and perks
| Forex markup | 3.5% |
|---|
Charges and eligibility
| Interest per monthunverified | 2% |
|---|---|
| Cash advance fee | 3% of amount, min Rs 30 (per Rs 1,000 or part) at TMB ATMs; 3% plus other bank charges elsewhere; cash limit 25% of credit limit |
| Eligibility | NRI or resident individual holding a TMB term deposit of Rs 50,000+ with minimum 3-year tenure; limit Rs 30,000 to Rs 10 lakh, max 75% of deposit. |
| Fine-print notes | Visa card secured against term deposit; open to NRIs. 24% a year is stated for cash withdrawals; purchase rate and late fee not stated. TMB's MITC page (tabs: Visa/Master, RuPay Wings, RuPay Phoenix) did not render its content, so terms are from product pages only. No reward programme, lounge access or fuel surcharge waiver is mentioned on any TMB card page. BankBazaar still lists older names (TMB General, TMB India Card). Cards are issued to existing TMB customers. |
Questions
- What is the annual fee of the Tamilnad Mercantile TMB Vibe360 Credit Card?
- No annual fee.
- What is the forex markup on the Tamilnad Mercantile TMB Vibe360 Credit Card?
- 3.5% of each foreign-currency transaction, before GST.