Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • SBI Maruti Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    SBI Maruti Credit Card

    SBI Cards, which is a joint venture between GE Capital and State Bank of India, has collaborated with Maruti Suzuki to launch a co-branded credit card called SBI Maruti Credit Card. This is provided solely for the advantage and enhanced convenience of all Maruti Suzuki customers. In order to avail an SBI Maruti Credit Card, the applicant has to be an owner of any four wheel vehicle which is manufactured by Maruti Suzuki India Limited.

    Features of SBI Maruti Credit Card:

    Balance Transfer:

    With the balance transfer facility enabled on this card, the cardholders can transfer outstanding balance in their other bank credit cards to their SBI Maruti Credit Card. This is a highly attractive feature since the lower rate of interest can help you save money when you repay the consolidated amount.

    Flexipay Facility:

    SBI Maruti Credit Card offers the convenience of converting your high-value spends made on the card to easy monthly installments. This installment plan assists you in planning out your repayments as per your financial preferences.

    Easy Money Facility:

    By simple placing a phone call to SBI Card Customer Helpline, SBI Maruti Credit Cardholders can quickly avail an SBI bank draft. The amount withdrawn on the bank draft is billed directly to the customer’s SBI Maruti Credit Card. This can be used to pay various bills including utility bills, taxes, etc.

    Utility Bill Payment Facility:

    Utility bills can be linked to a customer’s SBI Maruti Credit Card in order to enable convenient and hassle-free payment. Through payment options like Visa bill pay, Pay Fast, Register & Pay, etc. customers can pay all their bills on time.

    Online Railway Ticket Reservation:

    Now you can purchase railway tickets online and get it delivered to your home or office, using your SBI Maruti Credit Card. All you have to do is register in IRCTC website free of cost, follow the instructions provided therein to book the tickets and then use your SBI Maruti Credit Card at the payment gateway.

    Extended Credit Facility:

    SBI Maruti Credit Card offers repayment flexibility through its extended credit option. All outstanding dues can be paid according to the customer’s financial convenience. Any amount from the minimum amount due up to the total outstanding balance, as shown in the Monthly Credit Card Statement, can be paid by the customer on a monthly basis. Any balance amount in the credit card account will be carried on to the next month, at a nominal rate of interest.

    Add-on Cards:

    Borrowers can also extend their credit limit to their family members such as spouse and parents, as well as siblings or children who are above the age of 18.

    Cash Withdrawal Facility:

    You can travel anywhere in India or overseas with the financial security offered though the availability of cash withdrawal facility on the SBI Maruti Credit Card. Cash can be withdrawn from any ATM which accepts Visa/Mastercard.

    Emergency Assistance:

    In the event of an emergency, while you are in India or abroad, the SBI Card Customer Helpline and VISA/MasterCard Global Customer Assistance Services will provide immediate assistance. Any unforeseen event such as loss or theft of card, card replacement, etc., will be handled efficiently and quickly.

    Technological Convenience:

    SBI Maruti Credit Cardholders can now get e-statements of their monthly credit card transactions. The account statement is sent directly to a customer's registered e-mail id. With Net Banking facility, you can easily keep track of your SBI Card account, check your card statement online, make service requests, etc.

    Benefits of SBI Maruti Credit Card:

    Value Back Offers:
    • For every Rs. 100 spent in Maruti outlets, an SBI Maruti Credit Cardholder can earn 4 Auto Points.
    • For every Rs. 125 spent in retail shopping, an SBI Maruti Credit Cardholder can earn 1 Auto Point
    • When a credit cardholder exchanges his/ her Maruti Car, he/ she can earn 3,000 Auto Points
    • By referring a relative or friend, you can earn 1,000 Auto Points (for each referral)
    • Avail 2.5% Fuel Surcharge Waiver across all fuel stations.
    Welcome Offers:

    When an SBI Maruti Credit Card is issued out to you, you can get 200 Auto Points.

    Deals and Offers:

    SBI Maruti Credit Card is a globally accepted card which offers great privileges such as discounts, promotions, unique offers and discounts on Maruti Accessories, and much more.

    Auto Points Redemption:

    Customers can avail “Auto Points” which are similar to cashback points, which can be redeemed for car maintenance in Maruti Network garages/ centers. Auto Points can also be accumulated and redeemed as discount on Invoice value during Maruti Suzuki car exchange.

    Fees and Charges:

    Joining Fee Rs. 500 (applicable on the first year)
    Annual Fees Rs. 500 (from the second year onwards)
    Finance charges on Extended Credit Up to 40.2% annually
    Minimum Amount Due 5% of the Total Outstanding Amount (a minimum amount of at least Rs. 200) + EMI (in case of loans) + GST
    Cash Advance Limit Upto 80% of Credit Limit
    Cash Advance charges in SBI ATMs /Other Domestic ATM 2.5% of withdrawal amount or 300/-, whichever is the highest
    Cash Advance charges in international ATMs 3% of withdrawal amount or 300/-, whichever is the highest
    Cheque Bounce/ Invalid Cheque 2% of Cheque dishonor amount
    Overlimit Charges 2.5% of Overlimit Amount or Rs. 500 (minimum amount)
    Foreign Currency Transaction 3.5% conversion mark-up

    SBI Maruti Credit Card FAQs:

    1. When will the joining fee and annual fee be reversed?

      You can get a fee reversal on your joining fee if you make purchases worth Rs. 2,000 on the card within 60 days from the date of issue of the card. In order to avail a fee reversal on your annual fee, applicable from the second year onwards, you must make purchases worth Rs. 50,000 in the previous year.

    2. Is there an interest free credit period?

      Yes, interest free credit period is applicable on extended credit, for a period ranging from 20 days up to 50 days. However, this is applicable only if the previous months’ outstanding credit on retail purchases have been fully paid.

    3. What is the surcharge applicable on booking railway tickets online, using the SBI Maruti Credit Card?

      The surcharge applicable on booking railway tickets online, using the SBI Maruti Credit Card, is 1.8% of transaction amount plus service charge.

    4. How can I receive an SBI Card alert?

      You will receive an SBI Card alert automatically when a transaction has been made on your credit card. This SMS alert will be sent to the mobile number you have registered with the Bank at the time of credit card application.

    5. Can I apply for an SBI Maruti add-on card for my spouse?

      Yes, SBI Maruti credit cardholders can share their credit limit through add-on cards, with their family members including spouse, children, parents as well as siblings.

    SBI Maruti Credit Card Reviews

    • SBI Cards Credit Card
      "Very Good Service"
      0.5 5.0/5 "Blown Away!"
      I had used this card previously where i had closed this card now, the services of them has been good. The credit limit with the card was good and it has been having some benefits as well. It also had some annual charges and i had closed the card since i was already having a card with no annual charges.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 22, 2019
    • SBI Cards Credit Card
      "Need improvement"
      0.5 3.0/5 "Satisfactory"
      SBI has billing issue, they keep on adding more charges on my transaction and also IVR help desk is not reachable all the time. they are not providing call back to the customer to check the service, I am holding this card around three years, overall service should be improved.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 22, 2019
    • SBI Cards Credit Card
      "Recently Purchased credit card"
      0.5 4.0/5 "Great!"
      Recently I applied for this SBI credit card through Executive . I find a good support from that executive by taking care of all the requirements till the delivery of my credit card . SBI provided me a credit limit of more than 50 k and Annual fees is around 500 /- .
      Was this review helpful? 1
      , gulbarga
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Good. Can be more clear in details"
      0.5 3.0/5 "Satisfactory"
      SBI is good in the overall experience for the credit card. They are good in their offers and also in the credit limit. They have good emi options and there are good deals on the e commerce websites. The only thing which is not satisfactory is when I visit big stores like Big Bazaar for example. There are executives of this bank who would offer a credit card. If I am to tell them that I already have one, they would say that I could get a new card with a higher limit. My current limit is 70K and I would get 5 lakhs on the new card. Finally I would get a call from the bank who is willing to give me a new card with a bifurcated limit of 50k, where I would have 25K on each card. I refused as it is not useful to me.
      Was this review helpful? 0
      , kannur
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Very Good Service"
      0.5 3.0/5 "Satisfactory"
      It has been three years since i am using this credit card, there is some annual charges of 500 with this card. The credit limit with the card has been less and there has not been any benefits in using this card. I had not been using this card much and just for some purchases has been using.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Average"
      0.5 4.0/5 "Great!"
      I got this credit for making my essential needs and is very useful for me.It is best card for doing shopping and there is no annual fee charges as well.I am using this often.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using this credit card just for the last six months and the services with them was good so far. I am satisfied with the credit limit with this card and there has also been some better offers with this card on reward points. I am happy with the credit limit with this card as well.
      Was this review helpful? 1
      , new delhi
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Average performance credit card"
      0.5 3.0/5 "Satisfactory"
      While purchasing this SBI Platinum credit card , i got more vouchers during that time . They sold this credit card without proper information .making the credit call bill payment in SBI is very difficult process . This card is not at all applicable for my usage . I thought of blocking this credit card after that i changed my mind .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card with State Bank of India. It is a good experience as I can redeem the points with ease. The credit limit is also good and there are no hassles. The statements are clear and sent to me on time. The customer support and response is good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Point value is excellent"
      0.5 5.0/5 "Blown Away!"
      I hold a Tata Croma Titanium credit card with State Bank of India. I get good value on the rewards. I get one point on every 100 spent. The value is 1 point is equal to 1 rupee. If I use the card for a lakh I would get 1000 points which is equal to 1000rs.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Need improvement on the customer care and banking"
      0.5 3.0/5 "Satisfactory"
      SBI credit card is some what okay because if we want to change the address, we need to fill the form and should submit to the nearest branch, they won't accept online proof. They don't require hard copy all the time, the customer care is not good. I don't have any concern about billing part.
      Was this review helpful? 0
      , vadodara
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Need improvement on the offers and service"
      0.5 3.0/5 "Satisfactory"
      There is no proper response from the SBI, they need to improve the customer support team. I don't think so, they are providing more offers to the customers, I am using this credit card around 8 years, but still I could see more benefits from their end.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Average "
      0.5 3.0/5 "Satisfactory"
      I had a SBI SIMPLY SAVE credit card and used for past 6 months, there was no annual charges. They have given me a credit limit of 50K which was sufficient to me. I did not convert the payments into EMI but it has option. The charges are reasonable. I do get a notification but have not checked the benefits.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Not satisfied"
      0.5 3.0/5 "Satisfactory"
      I have been using SBI prime credit card for past 1.5 years. The credit limit is low which am not happy. It would be appreciable if they can increase the limit. Actually I was using SBI Simply Save card and recently upgraded this card and which has annual fee of above 3K, overall unhappy.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Need increment in the Credit limit "
      0.5 5.0/5 "Blown Away!"
      I purchased this SBI credit card very recently only . Within 10 days of time I got this card . SBI executive collected the docs in on-line and Annual fees were around 500 /- . But I am not satisfied with the credit limit . Hoping for more offers in On-line purchasing .
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Need to be more secure"
      0.5 3.5/5 "Pretty good"
      I have not used all the benefits on the credit card with State Bank of India. I very rarely get the offers on the card. The limit is good. The services are very slow. There was a transaction that has happened without my knowledge and I informed the customer care they are working on it but they are slow. It is a Prime card. There is no fee for the 1st year. Second year is free if I use the card for five lakhs a year.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Good for Online shopping"
      0.5 4.0/5 "Great!"
      SBI charges are very nominal, for the online shoppings they give best discount at Myntra website last time I purchased Clothes I got very good discounts. They gave me the limit of Rs.22,000 it should be increased, I called to increase the limit but they didn't consider.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Benefits has to be improved"
      0.5 5.0/5 "Blown Away!"
      SBI is also good and which has the highest limit compared to my other cards. They need to provide more benefits to the customer. They are charging annual fee of Rs.500. Its a Simply Save card and using it for around 5 years. The customer service is very good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I had been using this credit card for the last two years where i am satisfied with the services which they had provided to me so far. I am quite happy with the credit limit with this card and there is some offers like reward points and cash backs with this card as well. The card has been having some annual charges as well.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "More than satisfactory"
      0.5 5.0/5 "Blown Away!"
      I bank with State Bank of India for the credit card. The customer support is good and they are responsive too. The online banking is also good, I can make my payments with ease. There are good deals and the bank has also offered me a good credit limit of 2.25 Lakh.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 20, 2019
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