Offers 1: Saraswat Bank RuPay Credit card - 5% Cashback upto Rs1000 on Grocery, Super Market, Electronics, Apparels, Restaurants etc
Offer Period – 27th Aug 2022 to 31st Oct 2022.Offers 2: Saraswat Bank RuPay Credit card - 20% on utility bill amount upto Rs. 250 per month
Offer Valid - 1st April 2022 to 31st March 2023.Offers 1 Details: 
	Offer Details
- Cashback of 5% on Transaction Value.
 - Offer available on following merchant outlets - Restaurants, Apparels, Hotel Stay & Electronics
 - Offer Period – 27th Aug 2022 to 31st Oct 2022
 
| Merchant Type | ROI | 
|---|---|
| Electronics | 5% cashback on Transaction Value Maximum cash back - Rs. 500/- Minimum Transaction Value - Rs 1,000/-  | 
| Grocery & Super Market | 5% cashback on Transaction Value, Maximum cash back - Rs. 500/- Minimum Transaction Value - Rs 1,000/- Maximum Transaction Value - Rs 10,000/-  | 
| Apparels | 5% cashback on Transaction Value, Maximum cash back - Rs. 1,000/- Minimum Transaction Value - Rs 2,500/-  | 
| Electronics | 5% cashback on Transaction Value, Maximum cash back Rs. 1,000/- Minimum Transaction Value Rs 10,000/-  | 
Steps to Avail The Offer
- Activate the card and generate PIN
 - Activate the POS / E-commerce option on your credit card
 - Make payment using Saraswat Bank Credit Card.
 
For Offer Terms and Conditions - Click Here
Offers 2 Details:
	Utility Bill Payment Cash Back Offer
Offer Details
- Cashback of 20% on utility bill amount, upto Rs. 250/-.
 - On the first utility bill paid by credit card holders, every calendar month, during the period 1st April 2022 to 31st March 2023.
 - Utilities – Gas / Electricity / Telecom / DTH
 
Steps to Avail The Offer
- Activate the card and generate PIN
 - Activate the E-commerce option on your credit card via Saraswat Bank Credit card app
 - Choose the app /portal of the utility provider
 - Make payment using Saraswat Bank Credit Card.
 
Offer Terms and Conditions
- Utility Bills in context to offer will be Electricity, Gas, Telecom and DTH.
 - “Saraswat Bank Credit Card user” means any person or individual who has a valid Saraswat Bank Credit Card.
 - "Offer" shall mean benefit provided by the merchant/partner or Bank on purchase of Products/Services using Saraswat Bank Credit Card.
 - 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.
 - Cashback will be provided to either the Primary cardholder or the add-on card holder.
 - All primary terms and conditions applicable to Saraswat Bank Credit Card shall be applicable.
 - "Products/Services" shall mean the goods/benefits/facilities offered by the Bank.
 
The availability of the offer is based on the following criteria
- 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.
 - Offer is valid to all credit card holders in this period.
 - Transactions through wallets using credit card are not eligible for the offer. E.g. PAYTM
 - 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.
 - Saraswat Bank Credit card Offer is non-transferable, non-binding and non-encashable.
 - The Offer is not valid for Void Transactions
 - The offer will be valid for transaction made from mobile app and web portal of the respective utility vendors.
 - The transaction may be feasible on the app or portal as per the payment gateways.
 - The cash back will be credited to card statement in the subsequent billing cycle.
 - Offer is not valid on successful transaction which is later refunded.