[Personal Experience] SBI Cashback Card Approved after Application Declination
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So this started almost a month back, there was so much hype around SBI CASHBACK Card in September starting. Just like everyone else, I was hyped and applied for the card before Amazon Sale. I am an existing SBI SimplyClick holder with SBI savings account since 8 years. I have same as my salary account and with a good credit score as well. However, SBI was blindly declining applications for those who already had existing SBI SimplyClick Card. I decided to not leave until they approve my card. The process initially was smooth, 2 verification calls, eSign, one more call but then sudden declined message.
I approached SBI Customer Care, they didn't have any idea. Secondly, I approached Nodal Officer stating I got reason for declination as 'You are an existing Card Holder' and on the other hand you guys call me for getting a second SBI Card occassionally and within the app too. So there's a contradiction there, I have a pre approved "second" card offer and you are stating I cannot get another card. Update your policy if existing card holder cannot get another card. I forwarded this to Principal Nodal Officer and they restarted my application and it's approved now
P.S - Just don't give up and state your legit reasons in full detail and no one can stop you, not even SBI
Proofs:
Update: I'm hearing that SBI now is automatically restarting the applications for SBI SimplyClick holders so you might just get lucky and get auto approval now after a final call. Check pre approved card option in app and see if it says your application is in consideration and decision will be taken in 2 days. If not, you can try reaching out to CS again.
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Credit Card
in general how many times your salary is your credit limit? I got a credit limit of approx my monthly salary
What is the email ID of principal nodal office and higher authority like level 2 and level 3.
Thanks
My application was also rejected at that time but they reopened and made another cibil hit
Few days ago I also received a call from a lady his age was around 35 to 38 years she told me you already have 2 sbi credit cards do you want this sbi cashback card also I said yes she asked how much limit you want to split for this card I told her desired limit and she said card will be delivered in 7 working days but card is not showing in app
Any other CC which has similar offers like SBI cashback credit card. Please let me know.
Was anyone able to increase limit beyond 10K? They are asking for 200+gst for manually sending docs and updating(if approved)
My application is also rejected due internal policy as reason.
I am salaried person holds simply save, other hdfc, ICICI credit cards.
Today spoke with SBI card customer help team, they said simple they can't do anything, please try after 1 month.
Can someone help me to get the card?
After applied got message like this
Dear Applicant, thank you for applying for SBI Credit Card. Your Application No. XXXXX is being processed with tentative credit limit ranging between Rs. 70000 and Rs. 90000, subject to verification of your application. You can track your application status at https://sbicard.com - SBI Card.
What will next??
- applied online with other card number entered. also verified with digilocker
- got call for offline kyc. , person came to house and done offline kyc
- got call to recheck everything and told will get also final call from main office (but not received)
- while checking status it says: Your SBI Card Application is in progress. We will get back to you soon.
how many days it will take to complete this whole process? after the above message on status.
Should be done in a few days, no chance of rejection. Keep calm and wait 
I got a virtual card immediately and within 5 days I got a physical card delivered. This time it was very quick.
Note :
KYC was done online only. There is no video KYC , just linked everything to digilocker.
has anyone applied for add-on SBI Cashback card?
I applied, agent came to pick up documents, no further updates
Can I use card again by making part payment? Will it trigger over limit use, will I earn cashback?