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

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

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abhishek012

https://www.saraswatbank.com/content.aspx?id=Ut...

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

Offer Valid -  1st April 2022 to 31st March 2023.

https://cdn0.desidime.com/attachments/photos/762274/medium/Banner_583_1200x300px.jpg?1650906975

Utility Bill Payment Cash Back Offer -

Offer Details
  1. Cashback of 20% on utility bill amount, upto Rs. 250/-.
  2. On the first utility bill paid by credit card holders, every calendar month, during the period 1st April 2022 to 31st March 2023.
  3. Utilities – Gas / Electricity / Telecom / DTH
Steps to Avail The Offer
  1. Activate the card and generate PIN
  2. Activate the E-commerce option on your credit card via Saraswat Bank Credit card app
  3. Choose the app /portal of the utility provider
  4. Make payment using Saraswat Bank Credit Card.
Offer Terms and Conditions
  1. Utility Bills in context to offer will be Electricity, Gas, Telecom and DTH.
  2. “Saraswat Bank Credit Card user” means any person or individual who has a valid Saraswat Bank Credit Card.
  3. “Offer” shall mean benefit provided by the merchant/partner or Bank on purchase of Products/Services using Saraswat Bank Credit Card.
  4. Offer Period shall mean the period commencing from 00:01 hours of 1st April 2022 to 23:59 hours of 31st March 2023 both days inclusive.
  5. All primary terms and conditions applicable to Saraswat Bank Credit Card shall be applicable.
  6. “Products/Services” shall mean the goods/benefits/facilities offered by the Bank.
The availability of the offer is based on the following criteria
  1. Offer is available on the 1st successful transaction done by primary cardholder on any one of the utility bills (paid first out of Gas / Electricity / Telecom / DTH) by using Saraswat Bank Credit Card every calendar month, during the Offer Period from 1st April 2022 to 31st March 2023 both days inclusive.
  2. Offer is valid to all credit card holders in this period.
  3. Transactions through wallets using credit card are not eligible for the offer. E.g. PAYTM
  4. This Offer cannot be clubbed with any other Offer that may be made available to the Saraswat Bank Debit/Credit Card User/s or by the utility provider.
  5. Saraswat Bank Credit card Offer is non-transferable, non-binding and non-encashable.
  6. The Offer is not valid for Void Transactions
  7. The offer will be valid for transaction made from mobile app and web portal of the respective utility vendors.
  8. The transaction may be feasible on the app or portal as per the payment gateways.
  9. The cash back will be credited to card statement in the subsequent billing cycle.
  10. Offer is not valid on successful transaction which is later refunded.
Expiring In 10 months
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Trailblazer Trailblazer
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how to apply card

Deal Subedar Deal Subedar
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LUKA186 wrote:

Is it LTF?



Type of Fees / Charges Amount
Joining Fees Rs. NIL
Add-on Card Fees Rs. NIL
Annual Fees (*)
  1. If Annual Spends => Rs 10,000

AMC = NIL
  1. If Annual Spends < Rs 10,000



AMC = Rs. 500
  1. Combo offer credit card issued against Housing loan and Kwik Lap

Lifetime free AMC



Deal Subedar Deal Subedar
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LUKA186 wrote:

No option to apply

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

To Apply, visit your nearest branch.

Crowdpuller Crowdpuller
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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

Royal Challengers Bangalore Royal Challengers Bangalore
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If anyone visits branch, please share the experience here. 

Deal Cadet Deal Cadet
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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

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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

Crowdpuller Crowdpuller
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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 sweat_smile

Deal Cadet Deal Cadet
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MisterTea wrote:

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

Nope! Already mentioned a few times in this thread

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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

Deal Cadet Deal Cadet
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LUKA186 wrote:

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

Need to visit the branch for sure!

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mGforCe wrote:

Need to visit the branch for sure!

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

Hunk Hunk
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abhishek012 wrote:

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

What OTP/Card details?

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Baaap wrote:

What OTP/Card details?

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

Hunk Hunk
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bdatta1981 wrote:



Type of Fees / Charges Amount
Joining Fees Rs. NIL
Add-on Card Fees Rs. NIL
Annual Fees (*)
  1. If Annual Spends => Rs 10,000

AMC = NIL
  1. If Annual Spends < Rs 10,000



AMC = Rs. 500
  1. 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?

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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

Deal Cadet Deal Cadet
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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.

Deal Cadet Deal Cadet
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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




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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 cardhttps://www.desidime.com/discussions/saraswat-b...

Deal Cadet Deal Cadet
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Where were you OP for last 29 days of the offer 🤔 cry pensive

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praveenpersonel wrote:

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

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

Every year offer renew.

Deal Subedar Deal Subedar
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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. 

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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.

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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 🤔

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