Transfer outstanding balances on other credit cards to Tata Capital Credit cards Avail lower rates of interest Customers can avail one of the two BT options 0%  rate of  interest for 60 days with processing fee of 2% or 199 whichever is higher 1.7% rate of interest per month for 6 months with no processing fee BT from one Tata Capital Card to the other Tata Capital Card is not allowed. BT up to 75% of available credit limit on Tata Capital Credit is permitted