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  • SBI Maruti Credit Card

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    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 The amount withdrawn on the bank draft is billed directly to the customer’s SBI Maruti Credit Card.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
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been holding this card for the last one year, the services which they have been providing so far had been good. The credit limit had been good with the card, and also there has been good features and benefits with the card too. There has been good offers in the fuel recharges, and i have been using it for shopping and in hotels and in all other purposes.
      Was this review helpful? 0
      , kolkata
      Reviewed on May 24, 2018
    • SBI Cards Credit Card
      "Smooth process"
      0.5 4.0/5 "Great!"
      State Bank of India is good overall in the banking services. I hold a credit card and there are good offers on the card. There is also a balance transfer option. There are no charges taken for the transactions as well. The response is good and hassle free.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 24, 2018
    • SBI Cards Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I have a credit card with SBI from last 8-10 months, the credit card services are average when compared to all other cards.An annual fee of Rs 500 has to be paid for this credit card. i get good reward points on this credit card I am happy with the credit limit in this credit card.
      Was this review helpful? 0
      , jaipur
      Reviewed on May 24, 2018
    • SBI Cards Credit Card
      "Good Card to use"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with SBI from last 6 months, this is a simply save credit card where i paid an annual fee of Rs 500 for this credit card. I get good reward points on petrol and shopping with this credit card. The credit limit is less when compared to other credit cards.
      Was this review helpful? 0
      , faridabad
      Reviewed on May 24, 2018
    • SBI Cards Credit Card
      "Fine card for Travel"
      0.5 4.0/5 "Great!"
      They have provided me a coupon for flight booking. If you book Rs.5000 so they will provide a discount of Rs. 1000. They have similar kinds of offers for international flights. Airport launch facility available and this card is basically a travel type credit card.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on May 24, 2018
    • SBI Cards Credit Card
      "Good Card to use"
      0.5 5.0/5 "Blown Away!"
      SBI provides good services on credit card when compared to all other credit card. I am using this credit card from last 3 years and i paid an annual charges for this credit card. I get god offers like reward points on this credit card and i use net banking for making bill payments.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 24, 2018
    • SBI Cards Credit Card
      "Better Service"
      0.5 5.0/5 "Blown Away!"
      I bought the SBI SIMPLY SAVE CARD because their Offers are good. I can Use the card everywhere. I am getting reward points, I am happy with the limit they offered me. I just received the card and I'll have to wait and see how this card works out for me for my daily usage.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 24, 2018
    • SBI Cards Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I have a credit card with SBI from last 6 months, this is a prime card where i paid an annual fee of Rs 5000 for this credit card. I am happy with the credit limit in this credit card. Net banking is easy to make bill payments and i am not aware of any offers on this credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 24, 2018
    • SBI Cards Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've been using the SBI SimplySave for a while . The Limit was 40000 which not very good. They do have cash back offers for online purchases. I never had any issues with the card and their services. It is a useful card to have for all daily life purposes.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 24, 2018
    • SBI Cards Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I am using SBI credit card from last 1.5 years, the credit card services are good when compared to all other credit cards. I am not aware of any offers and annual charges on this credit card. Net banking is easy to make bill payments. I am happy with the credit limit in this credit card.
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 24, 2018
    • SBI Cards Credit Card
      "Very good service"
      0.5 3.0/5 "Satisfactory"
      The credit limit which they have provided with the card had been good. The services which they have been providing is also great. I have been holding this card for the last 4 years. I have been using the card for shopping, online purchases, fuel purposes, gold purchases and wherever and whenever possible.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 24, 2018
    • SBI Cards Credit Card
      "Hassle free banking"
      0.5 3.5/5 "Pretty good"
      I bank with State Bank of India for the credit card and there are offers on the card. Since I am not very much concerned for the offers, I do not look forward for the same. The statements are clear and on time and in all it has been a good experience overall.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on May 24, 2018
    • SBI Cards Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I was looking for a good credit card with good options, and this card was having all the good benefits and features which made to chose it. The credit limit which they have been provided with the card has been good. I am happy with everything, and the whole process had been very easy and smooth and i have received the card on time. I am yet to use the card to know about more features with the card.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 24, 2018
    • SBI Cards Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      SBI provides best services on credit cards when compared to all other credit cards. I am using this credit card from last 2 years and i pay an annual fee of Rs 500 for this credit card. I get good reward points on petrol and shopping. I am happy with the credit limit in this credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 24, 2018
    • SBI Cards Credit Card
      "Excellent use and helpful card"
      0.5 5.0/5 "Blown Away!"
      SBI is a very good card that is the reason i have selected this card. Easily acceptable @ all merchants. Many offers are there in SBI Card. They have charging me Rs. 499 as annual charges. It is very good customer care service. It takes a normal time to contact the customer care.
      Was this review helpful? 0
      , kolkata
      Reviewed on May 24, 2018
    • SBI Cards Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I am using SBI credit card from last 6-7 years, i get good reward points on petrol and shopping with this credit card. The redemption value is good in this credit card. There are no annual charges for this credit card and i am satisfied with the credit limit in this card.
      Was this review helpful? 0
      , lucknow
      Reviewed on May 24, 2018
    • SBI Cards Credit Card
      "Excellent Card"
      0.5 5.0/5 "Blown Away!"
      SBI charging Rs. 500 as annual fee. This is the 1st month I'm using this simply save credit card. Till now i don't find any offers in this card. I called the customer care to convert the EMI option. They are charging some amount for EMI conversion.
      Was this review helpful? 0
      , chennai
      Reviewed on May 24, 2018
    • SBI Cards Credit Card
      "AVERAGE"
      0.5 3.0/5 "Satisfactory"
      My experience is good. It took 2 months to get my credit card. Without asking me they gave a limit in my card so i am not satisfied with the limit i am looking for hike. Customer service is not responsive. My card is a chargeable and also i am getting offers. Apart from that i am happy.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 24, 2018
    • SBI Cards Credit Card
      "Not satisfied"
      0.5 1.0/5 "Really Bad"
      I am not happy with the credit card services of SBI, i am using this credit card from last 1 month and i paid an annual fee of Rs 499 for this credit card. There was no intimation given about the billing cycle and the amount was auto debited. I have a credit limit of Rs 20000 in this credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on May 24, 2018
    • SBI Cards Credit Card
      "Good Card to Shop"
      0.5 5.0/5 "Blown Away!"
      This SBI Style Up card can used for shopping purpose like Bigbazaar, star bazaar. They are providing free voucher of Rs. 1000 for Fashion bazaar and amazon yearly. So far its a Very good card. I have done lots of shopping by using this card. Daily need card. They have provided the credit limit of Rs. 1 lakh for me.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on May 24, 2018
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