Annual fee waiver for SBI IRCTC Rupay credit card?

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Deal Cadet
mango-man

SBI was aggressively promoting this card last year with offers like zero joining fees and free Amazon voucher. Many people (including me) got this card approved easily. Unfortunately, this card has annual fee of Rs. 300 with no spend-based waiver. Most of those who got it last year must be up for renewal now.

Was anyone able to get the annual fee waived/reversed? Any tips/tricks to do so?

I don’t really use this card, but would like to keep it as it’s my only SBI/Rupay credit card.

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Deal Lieutenant Deal Lieutenant
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There’s no spend based waiver for this card; we gotta pay 300+gst annually; However, the way I see it is that if you have used this card even once in a year for a bank specific sale of 10% off which generally has cap of 1.5K, then you easily cancelled out the fee; Obviously would have loved the annual waiver, but sadly no as of now.

Chennai Super Kings Chennai Super Kings
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Try asking them to close the card , maybe they’ll make it ltf. Or they may close your card without trying to retain you.

Pro Blogger Pro Blogger
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BlueFlash wrote:

There’s no spend based waiver for this card; we gotta pay 300+gst annually; However, the way I see it is that if you have used this card even once in a year for a bank specific sale of 10% off which generally has cap of 1.5K, then you easily cancelled out the fee; Obviously would have loved the annual waiver, but sadly no as of now.

Yo, RuPay credit card also offered on Bigbasket, Bookmyshow, Swiggy, Uber etc

Use or sell the offer to other user and charge Rs50 to Rs100 commission smile

Annual fee will easily recover. grinning

Royal Challengers Bangalore Royal Challengers Bangalore
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BlueFlash wrote:

There’s no spend based waiver for this card; we gotta pay 300+gst annually; However, the way I see it is that if you have used this card even once in a year for a bank specific sale of 10% off which generally has cap of 1.5K, then you easily cancelled out the fee; Obviously would have loved the annual waiver, but sadly no as of now.

Having this card and renewal coming up in a month, I too thought of retaining the card with same POV. Also Rupay Credit Card has offers in few travel and food ordering websites, card will be useful then.

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Santhu4444 wrote:

Having this card and renewal coming up in a month, I too thought of retaining the card with same POV. Also Rupay Credit Card has offers in few travel and food ordering websites, card will be useful then.

Ya, Travel offer also available on easymytrip, yatra etc on RuPay credit cards.

Use or sell the offer to other user and charge Rs50 to Rs100 commission. grinning

Royal Challengers Bangalore Royal Challengers Bangalore
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abhishek012 wrote:

Ya, Travel offer also available on easymytrip, yatra etc on RuPay credit cards.

Use or sell the offer to other user and charge Rs50 to Rs100 commission. grinning

Add Swiggy/Zomato, I have seen offers for Rupay CC.

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Santhu4444 wrote:

Add Swiggy/Zomato, I have seen offers for Rupay CC.

Yes, Bigbasket, Bookmyshow, uber also offer on RuPay CC smile

Deal Cadet Deal Cadet
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I’ve written to SBI Card. I hold SBI Rupay credit card and have crossed 1 lakh debit transactions in the past 1 year.

Will update here.

Deal Lieutenant Deal Lieutenant
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Tanmayyy wrote:

Try asking them to close the card , maybe they’ll make it ltf. Or they may close your card without trying to retain you.

I was holding this card. Only option is if you ask for card closure then they will offer you reversal of this fee. In my case they closed my card and annual fee reversed. Later on I had requested credit balance refund. So just say like you are in mood of closing the card not actually so might they offer you reversal option.

Deal Cadet Deal Cadet
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rockingneo wrote:

I was holding this card. Only option is if you ask for card closure then they will offer you reversal of this fee. In my case they closed my card and annual fee reversed. Later on I had requested credit balance refund. So just say like you are in mood of closing the card not actually so might they offer you reversal option.

Lol .. sbi be like okay whatever I don’t care here’s card close button Imma press it

Deal Cadet Deal Cadet
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yolodime wrote:

I’ve written to SBI Card. I hold SBI Rupay credit card and have crossed 1 lakh debit transactions in the past 1 year.

Will update here.

Reply received. They did not offer reversal. I am not happy.

So just now I called the customer care and there the lady offered reversal as I had spend over Rs. 1 lakh in the last 1 year.

She said it will reflect within 4 days.

@mango try calling the customer care

Deal Cadet Deal Cadet
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yolodime wrote:

Reply received. They did not offer reversal. I am not happy.

So just now I called the customer care and there the lady offered reversal as I had spend over Rs. 1 lakh in the last 1 year.

She said it will reflect within 4 days.

@mango try calling the customer care

I barely used the card, but will still try asking for one.

Which number did you contact them on?

Deal Cadet Deal Cadet
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mango-man wrote:

I barely used the card, but will still try asking for one.

Which number did you contact them on?

Their landline no. 39020202

Royal Challengers Bangalore Royal Challengers Bangalore
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IS there a way to see the total spends of SBI Card in last one year without downloading and adding last 12 statements cry grinning

Perfectionist Perfectionist
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Santhu4444 wrote:

IS there a way to see the total spends of SBI Card in last one year without downloading and adding last 12 statements cry grinning

In pdf statement they show how much is left to reach milestone of 1 lac (this is for simply click card)

Deal Cadet Deal Cadet
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Santhu4444 wrote:

IS there a way to see the total spends of SBI Card in last one year without downloading and adding last 12 statements cry grinning

There’s a section in SBI Card netbanking called “Spend Analyser”.

Check there.

Royal Challengers Bangalore Royal Challengers Bangalore
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yolodime wrote:

There’s a section in SBI Card netbanking called “Spend Analyser”.

Check there.

Thanks. I have spent around 40000 in last one year. No chance they would offer a fee reversal. Will have to pay the fees.

Deal Cadet Deal Cadet
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Santhu4444 wrote:

Thanks. I have spent around 40000 in last one year. No chance they would offer a fee reversal. Will have to pay the fees.

No harm in asking for reversal.

Royal Challengers Bangalore Royal Challengers Bangalore
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mango-man wrote:

No harm in asking for reversal.

Yup, will tweet and mail them.

Deal Cadet Deal Cadet
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I have sbi fbb card… Just want to close but there customer care service is worst.. not able to connect with any customer care representative for card closer.. what is the other way to close my SBI cc

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hemant_111 wrote:

I have sbi fbb card… Just want to close but there customer care service is worst.. not able to connect with any customer care representative for card closer.. what is the other way to close my SBI cc

Your sbi fbb card is RuPay or Visa ?

Royal Challengers Bangalore Royal Challengers Bangalore
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StreetView wrote:

Were you able to get those charges reversed?  @Santhu4444

Still not applied on bill. Got this card in December 2020. I will check in January bill and decide. As mentioned above, using this for Rupay CC offers, so I feel 299 is not more. Used it for Narzo 50A deal yesterday on Flipkart and got 2000 discount.

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Santhu4444 wrote:

Still not applied on bill. Got this card in December 2020. I will check in January bill and decide. As mentioned above, using this for Rupay CC offers, so I feel 299 is not more. Used it for Narzo 50A deal yesterday on Flipkart and got 2000 discount.

If you are in any trusted whatsapp groups then also order for your online friends and charge Rs300 to Rs500 commission per offer. 😀

Royal Challengers Bangalore Royal Challengers Bangalore
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abhishek012 wrote:

If you are in any trusted whatsapp groups then also order for your online friends and charge Rs300 to Rs500 commission per offer. 😀

Nope. I do not want to such kind of social service 😉😄.

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