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

    • SBI Cards Credit Card
      "SATISFACTORY"
      0.5 3.0/5 "Satisfactory"
      I don't have any state bank account but their credit card service is experience I am using this card as annual charges of this card is 2400 initially it was 499 later they have upgraded they had offers and the credit limit they have offered is 71000 rupees and at that it was provided that much but I was ok with that. I receive reward points in that i redeem for annual charges of the card
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Aug 22, 2017
    • SBI Cards Credit Card
      "Not recommendable "
      0.5 2.0/5 "Expected more"
      The good thing about SBI Tata credit card is there are EMI options. But the interest rate is very high. It ranged from 14% to 16% . There are points as well but these points can be used only at croma and I cant utilize it on what ever shopping I wish to do. The credit limit is of 50k. There are a lot of hidden charges taken when a transactions is done on a higher amount. There are GST charges added and only the bank can understand the calculation they make. It is advisable to only make a transaction of Rs.500 so a customer can be assured not to pay more than that 500 in the bill.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 22, 2017
    • SBI Cards Credit Card
      "Best for a common man to use"
      0.5 5.0/5 "Blown Away!"
      For the last one year I am using SBI credit card, I have not used this credit card much but I am a happy customer using SBI credit card. Credit cards like ICICI, CITI bank, AXIS bank is meant for corporate companies but SBI is meant for a common man.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 22, 2017
    • SBI Cards Credit Card
      "Very good card to use"
      0.5 4.0/5 "Great!"
      Got the SBI prime Credit card a month ago. I use this card for shopping purposes, The customer service of SBI is very good. This card has the benefit of Reward points, cash back offers, fuel surcharge waiver , which can be redeemed easily, but so far I haven't redeemed it yet. The credit limit can be increased in future as per the customers requirement on my SBI credit card,
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Aug 22, 2017
    • SBI Cards Credit Card
      "Excellent"
      0.5 4.0/5 "Great!"
      I am using SBI credit card from the last six to eight months of time.Response is a kind of okay, also I have not experienced it. Online banking payment is not yet experienced and I used to make the payment through IMPS mode on other sources.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 22, 2017
    • SBI Cards Credit Card
      "Overall good "
      0.5 3.0/5 "Satisfactory"
      The good thing about my credit card with State Bank of India is the credit limit is very high, they have offered me a limit of 1.7 lakh. There are a lot of rewards I get on shopping. The services are better than the banking experience. Overall it is good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 22, 2017
    • SBI Cards Credit Card
      "Need to improve"
      0.5 3.0/5 "Satisfactory"
      I am having SBI credit card from the last one year of time. I would like to say that the response is good one even I can say its more than average one.Customer service is also an average one , also I would like to suggest that they need to improve.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 22, 2017
    • SBI Cards Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      SBI credit card is okay for me, also they have provided flexi balance transfer option, which is really okay one for me when compare with others. As I have felt that the responsiveness was really an average one,also I have not dealt with them much.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 22, 2017
    • SBI Cards Credit Card
      "Better"
      0.5 4.0/5 "Great!"
      I am using SBI credit card from the last one year of time. The response is also good one and their customer service aspects are really working in good way. Payment mode is also working in good way. Offers are up to the mark with them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 21, 2017
    • SBI Cards Credit Card
      "Better"
      0.5 4.0/5 "Great!"
      I am using SBI credit card from the last one year of time. The response is also good one and their customer service aspects are really working in good way. Payment mode is also working in good way. Offers are up to the mark with them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 21, 2017
    • SBI Cards Credit Card
      "Its very user friendly"
      0.5 4.0/5 "Great!"
      I love SBI notification part, they updates everything on time. For each and every transaction they used give the message and good in reminder call. SBI gives clear information compared than HDFC, and also SBI gives basically reward points its user friendly to redeem their website.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Aug 21, 2017
    • SBI Cards Credit Card
      "Excellent card to use"
      0.5 5.0/5 "Blown Away!"
      The Credit limit is very high with this SBI gold Credit card. They are also giving very good offers if we use this card. I am having this card for more than 10 years. The customer service is very good with SBI. There is no annual fee for this card and I am happy using this card
      Was this review helpful? 0
      , hubli
      Reviewed on Aug 21, 2017
    • SBI Cards Credit Card
      "Looking for better service and feature"
      0.5 3.0/5 "Satisfactory"
      SBI people are charging high interest rate compared than AXIS, especially for the EMI conversion. I tried to convert the amount but because of the interest rate I could not continue it. So far SBI didn't give any beneficial offers. Credit limit is also not upto the mark they only gave the amount of Rs.40,000.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 21, 2017
    • SBI Cards Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I had the SBI credit card and it was a kind okay type credit card, also they have not provided the enough credit limit to me. I would like to say that the response is fine one with the SBI credit card and their payment modes too.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 21, 2017
    • SBI Cards Credit Card
      "Good one"
      0.5 3.0/5 "Satisfactory"
      SBI credit card is good one and the experience is also good one, also they have provided some sort of policies. I would like to say that the response is not really a good one with them and I have faced some sort of trouble with the SBI credit cards.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 21, 2017
    • SBI Cards Credit Card
      "Not recommendable "
      0.5 1.0/5 "Really Bad"
      I am not happy with State Bank of India credit card services. I have the same limit from the day I got my card till date. I also use other bank credit cards and the limit is good. But this bank is not enhancing my limit. There are no EMI options too. I would close the card soon.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 19, 2017
    • SBI Cards Credit Card
      "Good flexi pay option"
      0.5 4.0/5 "Great!"
      I bank with SBI also for a credit card. SBI has a balance transfer option, but I can transfer the payment only to the cards I won. The best is I can make a huge purchase on my card and convert the transaction to the flexi pay option. The rate of interest is also normal.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 19, 2017
    • SBI Cards Credit Card
      "Process is good"
      0.5 4.0/5 "Great!"
      I hold a credit card with State Bank of India and I recently received this card. The process for it took around 15 days. I did not have to wait long. There was a joining fee for the card. The credit limit is good but not excellent. In all no hassles.
      Was this review helpful? 0
      , shyamnagar
      Reviewed on Aug 19, 2017
    • SBI Cards Credit Card
      "Moderate Service"
      0.5 4.0/5 "Great!"
      I am not happy with the bank for the credit card I use because the credit limit is very less. Not only that, SBI offered a chargeable credit card. It would be good if I received a life time free card from the bank. There is no lack in reward points..
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 19, 2017
    • SBI Cards Credit Card
      "Limit needs to be enhanced"
      0.5 4.0/5 "Great!"
      The balance on my credit card is very low. As , State bank of India has offered me a very low limit of 10K. There is an annual fee of 574 which I had to pay as a joining fee. Everything else is fine on the card but the limit is a low therefore, I am unable to make use of the other transactions.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Aug 19, 2017
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    SBI Maruti Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    Overview:

    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.

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