Saraswat Bank RuPay Credit card - 20% on utility bill amount upto Rs. 250/month

how to apply card

Nayak420 wrote:

how to apply card

To Apply, visit your nearest Saraswat branch.

More details - https://www.saraswatbank.com/navigation.aspx?id...

abhishek012 wrote:

To Apply, visit your nearest Saraswat branch.

More details - https://www.saraswatbank.com/navigation.aspx?id...

Is it LTF?

abhishek012 wrote:

To Apply, visit your nearest Saraswat branch.

More details - https://www.saraswatbank.com/navigation.aspx?id...

No option to apply

LUKA186 wrote:

Is it LTF?

LUKA186 wrote:
No option to apply

bdatta1981 wrote:

Looks like you have not visited the link shared by the OP.
Its clearly mentioned there: 

To Apply, visit your nearest branch.

Okk

If anyone visits branch, please share the experience here. 

I called Saraswat Bank in Powai, Mumbai

Call picked up during first call itself – a +ve sign

Asked the person, how to apply for Credit Card. After hearing the customary sales pitch, “do you have salary account with us”, “can get against FD” etc, I told the person that I have credit card from other banks w/o any such requirements!

Hearing this, the person said OK, can apply directly too, just come with the following documents:

1)Aadhar 2) PAN 3) Photo 4) Last ITR or 3 months salary slip

mGforCe wrote:

I called Saraswat Bank in Powai, Mumbai

Call picked up during first call itself – a +ve sign

Asked the person, how to apply for Credit Card. After hearing the customary sales pitch, “do you have salary account with us”, “can get against FD” etc, I told the person that I have credit card from other banks w/o any such requirements!

Hearing this, the person said OK, can apply directly too, just come with the following documents:

1)Aadhar 2) PAN 3) Photo 4) Last ITR or 3 months salary slip

@Santhu4444;
@LUKA186;
@bdatta1981;
@Nayak420

mGforCe wrote:

I called Saraswat Bank in Powai, Mumbai

Call picked up during first call itself – a +ve sign

Asked the person, how to apply for Credit Card. After hearing the customary sales pitch, “do you have salary account with us”, “can get against FD” etc, I told the person that I have credit card from other banks w/o any such requirements!

Hearing this, the person said OK, can apply directly too, just come with the following documents:

1)Aadhar 2) PAN 3) Photo 4) Last ITR or 3 months salary slip

Any option to get it done without visiting branch? As there’s no branch near my home

MisterTea wrote:

Any option to get it done without visiting branch? As there’s no branch near my home

Nope! Already mentioned a few times in this thread

abhishek012 wrote:

@Santhu4444;
@LUKA186;
@bdatta1981;
@Nayak420

Need to visit branch for sure or can we apply online?

What about address problem. I am staying in metro city but I don’t have any govt docs on name of metro city

LUKA186 wrote:

Need to visit branch for sure or can we apply online?

Need to visit the branch for sure!

mGforCe wrote:

Need to visit the branch for sure!

If you successfully got this card then dnt forget to share. 😀

abhishek012 wrote:

If you successfully got this card then dnt forget to share. 😀

What OTP/Card details?

Baaap wrote:

What OTP/Card details?

Card apply process, how much time take to get this card delivered and card masked image.

bdatta1981 wrote:

Type of Fees / Charges	Amount
Joining Fees	Rs. NIL
Add-on Card Fees	Rs. NIL
Annual Fees (*)	If Annual Spends => Rs 10,000 AMC = NIL If Annual Spends < Rs 10,000 AMC = Rs. 500 Combo offer credit card issued against Housing loan and Kwik Lap Lifetime free AMC

Didn’t got your last 2 points in bold letter AMC 500 then Lifetime free AMC? @abhishek012 how wiseful is it to apply such public sector bank card mere for single offer… how negatively it’ll affect our precious credit report later when we will stop using this card after offer expire or when we deactivate card?

Baaap wrote:

Didn’t got your last 2 points in bold letter AMC 500 then Lifetime free AMC? @abhishek012 how wiseful is it to apply such public sector bank card mere for single offer… how negatively it’ll affect our precious credit report later when we will stop using this card after offer expire or when we deactivate card?

If Annual Spends => Rs 10,000 - AMC = NIL 

If Annual Spends < Rs 10,000 -  AMC = Rs. 500

-———————————————————————————————————-

Combo offer credit card issued against Housing loan and Kwik Lap – Lifetime free AMC

mGforCe wrote:

I called Saraswat Bank in Powai, Mumbai

Call picked up during first call itself – a +ve sign

Asked the person, how to apply for Credit Card. After hearing the customary sales pitch, “do you have salary account with us”, “can get against FD” etc, I told the person that I have credit card from other banks w/o any such requirements!

Hearing this, the person said OK, can apply directly too, just come with the following documents:

1)Aadhar 2) PAN 3) Photo 4) Last ITR or 3 months salary slip

Further update!

Today visited the branch.. Branch person informed me that there is mandate that I need to have a bank account with them else can’t give. Or open a FD and take secured card. I said am using unsecured cards since xx yrs. 
Anyways as I have many a/c already was not keen to open another. Also this arm twisting doesn’t work for me.

I said that can open a/c later if like the servies but no requirements now.

BM got involved and had a conversation with her.. I said that ideally account opening is preferred and not a mandate… but the BM said for now it is mandatory.
My take, they were bluffing…because want to get a new customer and account.

I spent few mins more chatting with BM, and left. They have taken my contact details saying will inform if requirements change.

So net net, unless you are willing to open account, card won’t be issued.

PS: I didn’t check about their accounts type, MAB etc.

mGforCe wrote:

Further update!

Today visited the branch.. Branch person informed me that there is mandate that I need to have a bank account with them else can’t give. Or open a FD and take secured card. I said am using unsecured cards since xx yrs. 
Anyways as I have many a/c already was not keen to open another. Also this arm twisting doesn’t work for me.

I said that can open a/c later if like the servies but no requirements now.

BM got involved and had a conversation with her.. I said that ideally account opening is preferred and not a mandate… but the BM said for now it is mandatory.
My take, they were bluffing…because want to get a new customer and account.

I spent few mins more chatting with BM, and left. They have taken my contact details saying will inform if requirements change.

So net net, unless you are willing to open account, card won’t be issued.

PS: I didn’t check about their accounts type, MAB etc.

@abhishek012

@Santhu4444;

@LUKA186;

@bdatta1981;

@Nayak420

mGforCe wrote:

Further update!

Today visited the branch.. Branch person informed me that there is mandate that I need to have a bank account with them else can’t give. Or open a FD and take secured card. I said am using unsecured cards since xx yrs. 
Anyways as I have many a/c already was not keen to open another. Also this arm twisting doesn’t work for me.

I said that can open a/c later if like the servies but no requirements now.

BM got involved and had a conversation with her.. I said that ideally account opening is preferred and not a mandate… but the BM said for now it is mandatory.
My take, they were bluffing…because want to get a new customer and account.

I spent few mins more chatting with BM, and left. They have taken my contact details saying will inform if requirements change.

So net net, unless you are willing to open account, card won’t be issued.

PS: I didn’t check about their accounts type, MAB etc.

Ok, Saraswat bank account details and RuPay Platinum debit card - https://www.desidime.com/discussions/saraswat-b...

Where were you OP for last 29 days of the offer 🤔

praveenpersonel wrote:

Where were you OP for last 29 days of the offer 🤔

HAHA, Offer valid every year (Officially expiry date March 2023 but unofficially currently no expiry date), 

Every year offer renew.

mGforCe wrote:

@abhishek012

@Santhu4444;

@LUKA186;

@bdatta1981;

@Nayak420

I expected this. No interest in opening bank account for getting credit card. 

mGforCe wrote:

@abhishek012

@Santhu4444;

@LUKA186;

@bdatta1981;

@Nayak420

I can totally confirm each of your statements. I went to the Saraswat Bank bank branch too for the same Rupay Credit Card application. They said I need to open bank account having minimum 5000 balance  since the credit card application/issuance charges of Rs 100 + GST has to be billed to the bank account and cannot be paid in cash. I knew they were bluffing, trying to get new customers to open bank account. They guy told me that he needs my last 3 years ITR report and 3 months sal slip along with ID and Address proof. 

mGforCe wrote:

@abhishek012

@Santhu4444;

@LUKA186;

@bdatta1981;

@Nayak420

They want to complete target it seems. But they not mentioned in there website. If possible I will try and update

LUKA186 wrote:

They want to complete target it seems. But they not mentioned in there website. If possible I will try and update

I reached to their SM team also. After few escalations, got a call from their Mumbai Sales office (am also in Mumbai) and they said that since it is a cooperative bank they need to charge membership fees of Rs 118 to make one a member. And this deduction can happen from account only.

I argued that will give a cheque of this amount separately but they said not allowed.

mGforCe wrote:

I reached to their SM team also. After few escalations, got a call from their Mumbai Sales office (am also in Mumbai) and they said that since it is a cooperative bank they need to charge membership fees of Rs 118 to make one a member. And this deduction can happen from account only.

I argued that will give a cheque of this amount separately but they said not allowed.

They said life time free seems 🤔