1 SBI Maruti Auto point is worth ₹1.00 in India.
₹1.00₹1,000 per 1,000 points, our house mark
₹1.00 · first marked 24 Aug 2026, never re-marked since
How we got this ₹ figure
₹1.00 is our HOUSE value for a point — what a disciplined traveller actually clears, not the best redemption we have ever seen (₹1.00, the ceiling) and not the worst you can always fall back on (₹1.00, the floor). It is the number every route on this page is priced with.
We hold one dated point for SBI Maruti Auto Points — the mark itself. There is no earlier valuation on our record, so this page shows no trend line rather than drawing one. How we value a point →
Which of my cards reach it? — 1 do
One card earns SBI Maruti Auto Points outright. The figure is the reward rate — what ₹100 of ORDINARY spend earns back at our house ₹/point, before milestones, accelerators and the annual fee. How we compute it →
SBI Maruti Card0.8%SBI CardPRICED AT PAR BY THE PROGRAMME, verbatim from SBI Card's own pre-migration product page, under the heading "Redemption of Auto Points**": "1 Auto Point = Re. 1", "Redeem Auto Points at Maruti Network for maintaining your car", "Accumulate Auto Points and get equivalent discount on car exchange." Three exits, all inside one dealer network: servicing, accessories, and a discount against the trade-in. No cash, no statement credit, no partner — so floor, value and ceiling are one number. THE ACCRUAL, from the same page's "4% Value back and much more": 4 Auto Points per ₹100 at Maruti, 1 per ₹125 on all other retail, 3,000 on exchanging the car, 1,000 per referral and 200 to join. At par that is 4% at the dealer and 0.8% everywhere else, which is where the page's own "4% Value back" headline comes from. A SECOND ROW BESIDE `citi-auto-points`, AND DELIBERATELY SO. Citibank ran its own Maruti co-brand with its own "Auto Points" at the same ₹1 par, and merging the two would be a name collision mistaken for a currency: different issuer, different ledger, different ladder (Citi paid 6 per ₹100 on service and 1.5 on IndianOil fuel; SBI paid 4 per ₹100 across all Maruti spend and nothing special on fuel), and a card on the wrong row would print the wrong accrual on the wrong hub. Same reasoning the Citi row already states for keeping itself off the generic point. A FROZEN-ERA MARK. marutiautocard.com, the terms site the card page pointed at, no longer resolves; ₹1.00 is the last published rate held at par, with no haircut because no live redemption survives to measure one. Nothing here moves on the rupee.
SBI Maruti Auto Points gets cut — we grade its nerf risk high 10 cuts in 24 months — latest: Aug-2026 partner purge (major) How we grade it →
Expiry: not published — the page states the par rate and the three redemption rails and sets no lapse on an accrued Auto Point
No corridor on our board prices a seat in SBI Maruti Auto Points against a published chart — every option that reaches it is dynamic, and an estimate is not a seat. the 2,196 corridors that DO have a verified price →
The nerf log
Full tracker →Every tracked event that touches SBI Maruti Auto Points.
- 3 Aug 2026SBI drops Etihad Guest from the MILES transfer table — the last SBI door into the programmeSBI Card Travel Credits transferred 1:1 into Etihad Guest, one of eighteen airline partners in §3 of the MILES rewards T&C. At the ₹1/partner-mile anchor that was a full-value exit, and it was the only route left after the two Etihad Guest SBI co-brands were retired. → No Etihad route at all. The MILES rewards T&C now lists seventeen airline partners and Etihad is not one of them — the word does not appear anywhere in the seven-page document. Every other SBI partner survives at the same ratio.
SBI Card's own MILES rewards T&C, re-fetched on 22 August 2026 and carrying a 3 August 2026 ModDate inside the PDF, has one fewer airline in it than the edition this desk read on 2 August. The deletion is provable from the numbering rather than from absence alone: the table's first seven rows are unchanged (Air Canada 3, Air France-KLM 4, Air India 5, British Airways 6, Cathay 7), and every row from position eight onward has moved up exactly one — Thai from 14 to 13, Qantas from 17 to 16. Position eight was Etihad Airways / Etihad Guest / 1:1. All twenty-four other partners we carry, airline and hotel, are still there at the same ratios, so this is Etihad being dropped and not SBI narrowing transfers. The timing matters more than the ratio. SBI phased out the Etihad Guest SBI and Etihad Guest SBI Premier cards from December 2025 and reissued holders onto MILES products, and the transfer route was what made that migration survivable — a Premier holder who had spent six years earning Etihad miles could keep feeding the same account through Travel Credits. That is now closed, and India's remaining pipes into Etihad Guest run through BOBCARD's Etihad co-brands, not through SBI. If you hold SBI Travel Credits earmarked for an Abu Dhabi business seat, they are Aeroplan, Flying Blue, Avios or Maharaja points now. ON THE DATE: SBI publishes no notice and no cut-off. The date here is the day the desk read the change out of SBI's own document; the PDF's internal ModDate puts the edition at 3 August 2026, which is the earliest day we can prove, not an announcement.
- 1 Jul 2026PhonePe SBI SELECT BLACK stops paying on UPI outside PhonePeScan & Pay and online UPI accrued Reward Points under the ordinary spend tiers → From 1 Jul 2026 only Scan & Pay inside the PhonePe app accrues — at 1% value back
One sentence in the card's own e-kit, Rewards Program cl. 6: "W.E.F 1st July 2026, Scan and Pay or Online UPI transactions outside PhonePe would not accrue any reward point." Clause 5 keeps paying 1% value back on Scan & Pay inside the PhonePe app, so this is not a UPI exclusion at all — it is a fence around the co-brand. Link the card to any other UPI app and every rupee through it earns zero. That matters more here than it would on an ordinary card, because a point on this one really is a rupee: SBI redeems it as statement credit with no redemption fee, unlike the ₹0.25 catalogue scrip ELITE, PRIME and Titan pay. What survives is 10 points per ₹100 on PhonePe recharges, utilities, bills, insurance and travel — capped at 1,500 a month, 500 of that insurance — 5 per ₹100 on other online spend to 1,000 a month, and 1 per ₹100 on the rest, itself capped at 2,000. On a ₹1,499 card sold through a payments app, fencing off the payments is a quiet cut with a lot of weight behind it.
- 1 Jul 2026PhonePe SBI PURPLE stops paying on UPI outside PhonePeScan & Pay and online UPI accrued Reward Points under the ordinary 3/2/1 tiers → From 1 Jul 2026 only Scan & Pay inside the PhonePe app accrues — at 1% value back
The same sentence SBI put in SELECT BLACK's e-kit sits in PURPLE's, Rewards Program cl. 6: "W.E.F 1st July 2026, Scan and Pay or Online UPI transactions outside PhonePe would not accrue any reward point." Clause 5 keeps 1% value back on Scan & Pay inside the app, so this is a fence around the co-brand rather than a UPI exclusion — link the card to any other UPI app and every rupee through it earns zero. It lands harder on the cheaper card. PURPLE is the ₹499 rung with no lounge, sold to people who live in the payments app, and its whole case is that a point here is a RUPEE — SBI redeems it as statement credit with no redemption fee, unlike the ₹0.25 catalogue scrip ELITE, PRIME and Titan pay. What survives is 3 points per ₹100 inside PhonePe on recharges, utilities, bills, insurance and travel — capped at 750 a month, plus 250 on insurance — 2 per ₹100 on other online spend to 750 a month, and 1 per ₹100 on everything else, capped at 1,000 and only on transactions of ₹100 or more. Every tier is capped by the calendar month, so fencing off the payments narrows the one rung a heavy PhonePe user was actually filling.
- 9 Mar 2026Paytm SBI Card stops earning on school and education spendsSchool and education spends accrued Reward Points at the card's 1% value-back rate → From 9 Mar 2026 eleven school and education MCCs accrue nothing
SBI filed this one where it belongs — in the list of transactions "not eligible for accruing Points", alongside balance transfers and cash advances: "W.e.f. 9th March 2026, accrual of Reward Points on spends made on School & Education will be discontinued." Eleven merchant category codes go dark on a best-effort basis — 5111, 5192, 5942, 5943, 5947, 8211, 8220, 8241, 8244, 8299, 8351 — and that list reaches well past tuition into book shops, stationers and card and gift shops, so the cut is wider than its name. On this card it switches off a 1% line paid in points worth a full rupee each rather than SBI's usual ₹0.25 scrip, and it joins wallet loads and fuel on an exclusion list that keeps lengthening. School fees are one of the few large recurring bills an Indian household can put on a card, and on a ₹499 product whose MITC prints no fee waiver at any spend level, they were one of the easier ways to earn the fee back.
- 9 Mar 2026Paytm SBI Card SELECT stops earning on school and education spendsSchool and education spends accrued Reward Points at the card's 1% value-back rate → From 9 Mar 2026 eleven school and education MCCs accrue nothing
The SELECT booklet carries the identical sentence, with one telling difference in where it sits: on the base card SBI buried it in the general exclusions list, while here it is Points Accumulation cl. 7, printed in the rewards section itself — "W.e.f. 9th March 2026, accrual of Reward Points on spends made on School & Education will be discontinued." Same eleven codes, best-effort: 5111, 5192, 5942, 5943, 5947, 8211, 8220, 8241, 8244, 8299, 8351, which sweeps in book shops, stationers and gift shops as well as schools. The damage is the same 1% base line in rupee-valued points, and it lands on a ₹1,499 card that needs ₹2,00,000 of annual spend before the fee is waived — so the household bill most likely to get a Paytm user there is now the one bill that pays nothing back. The 5% on Paytm Travel, the four domestic lounge visits and the ₹4 lakh and ₹6 lakh milestone vouchers are untouched.
7 earlier events on this program
- 10 Jan 2026SBI Card splits domestic lounges into tiers, adds entry feesUniform domestic lounge list, free swipe-in access → Set A/Set B lounge tiers by card, plus ₹2–25 entry charges
From 10 January 2026, SBI Card sorts its domestic lounge network into a Set A (top cards like Club Vistara SBI Card, Apollo SELECT) and a broader Set B (PRIME, Pulse, Titan SBI Card and others) — and bolts on a non-refundable ₹2 authorization charge plus a ₹25 validation hold on every visit. It's marketed as an expansion since more airports are covered, but the fine print is a two-tier system with new friction at the gate, right after SBI had already pulled complimentary air accident insurance six months earlier.
- 1 Dec 2025SBI discontinues the OLA Money card and moves holders onto a house cardOLA Money SBI Card, live since 15 May 2019 — 1% Reward Points on all spends, swept into an OLA Money wallet run by Zipcash Card Services rather than onto the card account → "W.e.f. Dec'25, Ola Money SBI Credit Card has been discontinued", with holders "replaced with the equally-rewarding SimplyCLICK / SimplySAVE SBI Credit Card"
SBI Card's own product record carries the notice in its Important Message block, and it is two sentences: "W.e.f. Dec'25, Ola Money SBI Credit Card has been discontinued." and "To this effect, your Ola Money SBI Credit Card will be replaced with the equally-rewarding SimplyCLICK / SimplySAVE SBI Credit Card." That is a forced migration, not a closed-to-new-applicants notice, and it ends the last of the big Indian cab co-brands after six and a half years. SBI publishes the month and not the day, so this row is dated to the first of December 2025 and no more precision than that is claimed. Two things the notice does not tell you, and both are worth acting on. First, the replacement is chosen by SBI, not by you, and SimplyCLICK and SimplySAVE are general-purpose house cards with a completely different bargain — check the fee, which survives at nothing to join and ₹499 a year from year two, reversed outright on ₹1,00,000 of annual spend. Second, and this is the one that costs money: everything this card ever paid you went into an OLA Money wallet governed by Ola's terms, not onto the card account. Closing the card does not fetch that balance back. Open the wallet and spend it down before the replacement plastic arrives.
- 1 Nov 2025SBI adds 1% on third-party education and wallet loadsNo fee on education / wallet loads → 1% fee via third-party apps
Pay tuition straight to the college and you're fine; route it through CRED/Paytm and SBI now clips 1%. Wallet loads get the same treatment. Another door on manufactured spend quietly shut.
- 15 Jul 2025SBI Card pulls free air accident insurance from its top cards₹50L–₹1Cr complimentary air accident cover on top cards → Cover discontinued entirely, no replacement offered
SBI Card Elite, Miles Elite, Miles Prime, Prime and Pulse all lost their complimentary air accident insurance on 15 July 2025 — cover that ran as high as ₹1 crore on the top-end cards. No like-for-like replacement was offered; it's a straight benefit removal that quietly thins out what used to be a genuine differentiator for SBI's premium travel lineup versus HDFC and Axis.
- 1 Apr 2025Club Vistara SBI PRIME drops its ticket ladder and waives the renewal fee insteadA renewal ticket voucher plus a spends-milestone ladder that paid out in complimentary tickets. → For cards renewing after 31 Mar 2025 the renewal ticket voucher and the whole ticket ladder are discontinued, and the renewal fee is waived in exchange. The Yatra hotel e-voucher survives — it is named nowhere in the discontinuation clause — so the PRIME tier's ₹10,000-at-₹8L voucher is what is left of the milestone story.
SBI ran the same trade as Axis on its own timetable, two weeks earlier: the fee goes, and so does the reason the fee was worth paying.
- 1 Apr 2025Club Vistara SBI drops its ticket vouchers and waives the renewal fee insteadA renewal ticket voucher plus a spends-milestone ladder that paid out in complimentary tickets. → For cards renewing after 31 Mar 2025 the renewal ticket voucher and the whole ticket ladder are discontinued, and the renewal fee is waived in exchange. The Yatra hotel e-voucher survives — it is named nowhere in the discontinuation clause — so the base card's ₹5,000-at-₹5L voucher is what is left of the milestone story.
SBI ran the same trade as Axis on its own timetable, two weeks earlier: the fee goes, and so does the reason the fee was worth paying.
- 15 Apr 2024SBI Card kills reward points on rentRent earned reward points → MCC 6513 excluded — zero points
After 15 April 2024 no SBI card earns on rent, from SimplySAVE to Aurum. The rent-MCC exclusion is now industry standard; SBI just made it explicit and total.
Straight answers
The questions people actually type about SBI Maruti Auto Points — answered from the same data as everything above, with the same numbers.
What is 1 SBI Maruti Auto point worth in INR?
Our desk marks SBI Maruti Auto Points at ₹1.00 a point — so 1,000 points are worth ₹1,000 and 10,000 are worth ₹10,000. That is the number every route on this page is priced with. The ₹1.00 floor is the redemption you can always fall back on; the ₹1.00 ceiling is the best sweet spot we have actually verified. The mark is holding flat, last reviewed 24 Aug 2026. The valuation index prices it against every other program we cover.
Which Indian cards earn SBI Maruti Auto Points?
1 Indian card earns SBI Maruti Auto Points outright. Best-ranked earner: SBI Maruti Card, at 0.8% reward rate. The card list above names each of them with its rank, its ratio and what one of its points becomes here.
When did SBI Maruti Auto Points last devalue?
1 Jul 2026 — PhonePe SBI SELECT BLACK stops paying on UPI outside PhonePe. That is the newest cut on our record. The nerf log below carries 17 tracked events touching SBI Maruti Auto Points, and the program grades high on nerf risk.
Verified against SBI Card with Maruti Suzuki — programme withdrawn with the card's own documents on · our house ₹/point, ₹1.00 today
Not published , and we will not invent it: how long posting takes · its award terms — surcharges and the booking window.