SBI Card 3rd Card Experience
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Hello Dimers
Thought to share my experience with 3rd SBI card
1) SBI SimplySAVE -> Got it as my First SBI card in Jan 2024
2) SBI Cashback -> Got it as my Second SBI card in April 2024
3) SBI Pulse -> Getting it as my Third SBI Card in Aug 2024
Initially after getting 2nd card I thought to convert my first card into SBI Pulse which was not fruitful (later figured its not allowed because it was done within 6 months of issuing from customer care after 3 failures and finally applied 3rd card as SBI pulse DIRECTLY instead of upgrade)
1st Upgrade attempt:
1st attempt 1st Day -> i manually requested upgrade option from CC and they said okay and started it and on
1st attempt around 3rd Day -> I called and asked the status and that time they said that upgrade is confirmed and confirmation call is scheduled
1st attempt around 4th or 5th Day -> I called and asked i received no call they said please wait there is more time like hmm you have to wait til June 3 to finish (i forgot the exact date) but they told me some closure of things time
1st attempt around 6th Day midnight -> SMS received as it can't be processed
2nd Upgrade attempt: i raised it after some days, then again declined (No sms updates this time , just i have to manually follow up with CC to know that its declined)
3rd Upgrade attempt: i again raised it after some days where i finally got informed by the CC that I am getting repeatedly declined since my 6months minimum tenure is not completed yet (No sms updates this time , just i have to manually follow up with CC to know that its declined)
4th Upgrade attempt Waited: Finally decided to wait and apply in July DIRECTLY instead of upgrade and now on August 3rd card IS FINALLY GETTING DELIVERED SOON
So now in August got 3rd Card as SBI Pulse approved now on the way to delivery in next 5 days i guess
Limit is split between 3 cards as
Initially got SBI SimplySAVE as 1 lakh limit but later that was split between 3 cards now so every individual card is way less limit now (with upgraded total limit of 1.25lakhs)
1) SBI SimplySAVE - 35k
2) SBI Cashback - 50k
3) SBI Pulse - 40k
So anyone know any efficient way to increase limit in SBI card Universe? would be glad to know
Hope these steps of application of SBI Card with time intervals helps someone reading this POST to get their 2nd or 3rd card soon:)
Do share your views in the comments below:) would be nice to read and exchange infos:)
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thankies, hehe after repeated trial and error got 3 cards in approximately 7.5 months xD
Is SimplySave RuPay? instead you could choose Ace. HDFC cards give 10% on pharma easy. Get Swiggy LTF for online spends 5%.
Good idea
SimplySAVE is rupay, yes using ACE (1.5% reward rate) and SimpleSAVE (1.66% reward rate) interchangeably but now i am ditching both after SBI Pulse (2.5% reward rate) , here on will use Ace where SBIpulse is unusable but ya overall SBI pulse beats both SimplySAVE and ACE (in hotel dept and meds dept)
didnt thought about pharmeasy:) i was concentrated on medical bills offline for parents who use lot of medicines and things so this SBI Pulse card will save up 2.5% overall
and for hotel i dont have other good 10% cards like HSBC
so 2.5% is better for hotel as well hence SBI pulse is good in this situation
but ya let me research that pharmeasy 
didnt thought that Idea:) I have HDFC cards so that might save me on online meds:)
redeem the membership from pulse and close the card. fitpass won't pay the gym and gym will remove itself from fitpass in 3-6 months. No point in renewing unless you can go to gym in different cities
good to know the details:) thanks for the valuable info , will check that
Yaha to sbi ka card hi nh bn rha, sbi simply click card tha mere pas 1 Lakh ki limit ke sath but use nh hota tha to close kr dia, jb se account me "active lead" ka kuch issue h, hatt hi nh rha, 2 saal hogye, koi bhi sbi ka card nh bn rha...
Anyways to get a 3rd SBI cc without split limit..?
Eyeing for normal SBI BPCL card ..
i am also hoping this but sadly it didnt happen for my 3rd card
Incase if you find it let me know too:)
sujith8786
I have 3 SBI cc with separate limit, why do you have marge limit? 😳
it means you have good credit limit:) because merging happens when higher limit is not eligible
for me my max eligible limit is 1.25 lakhs in SBI totally but i applied 3 cards so they split among them i guess
seems you have good amount of credit history hence separate good limit for each card :) -> just my guess
You pay annual fees on all 3? Why 3cards?
because i use all the 3 cards:) and i will cross limit of 2 lakhs for sure in every card:)
and SimplySAVE i am sure i will make it LTF soon with escalations
other 2 cards i use more than 2lakhs annually
so annual fee waver:)
Limit Updated between 3 cards (manually updated via customer care) as follows
(with total limit of 1.25lakhs)
1) SBI SimplySAVE - 10k
2) SBI Cashback - 75k
3) SBI Pulse - 40k
Mywishes:
1) hoping to convert SimplySAVE LTF soon at end of the year
2) for SBI cashback gonna escalate for LTF too soon
How to make it LTF with escalation. Plz suggest
Wow! Congratulations for 3rd SBI Card!