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[Personal Experience] SBI Cashback Card Approved after Application Declination

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ashb009
Hi Dimers,

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 smile

P.S - Just don't give up and state your legit reasons in full detail and no one can stop you, not even SBI toungueout

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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146 Comments  |  
41 Dimers
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Finance Mentor Finance Mentor
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"Check pre approved card option in app"... you mean "emi & more" link in sbicard app?

Deal Baba Deal Baba
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https://cdn0.desidime.com/attachments/photos/818381/medium/Screenshot20221023-00430901.jpg?1666466015
Finance Mentor Finance Mentor
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Ah, not showing for me (guess min 6 months active card is needed)

Deal Newbie Deal Newbie
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Final call Recieved yesterday. When it will be approved? @ashb009
Deal Baba Deal Baba
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2-3 days max. Call customer care and ask them for updates, they would probably tell limit and if card account number has been generated or not. (Not card number, card account number)
Deal Subedar Deal Subedar
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Mine was approved on 20th of October after receiving rejection last month 
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Helpful Helpful
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it was already showing in progress in sbicard website under new card section from last 1 month, even after rejection

but when i track appliction status directly it says rejected... also previously complained to pno and cshead but they all said same thing "due to internal policy " rejected.. they did 2 cibil hit during 17 days of application and still rejected

so the people who are getting approval after rejection.. did you receive any verification calls or cibil hit again or did you got approval automatically..

Deal Baba Deal Baba
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No, I just received one call after application got restarted (that also for final details verification and they said this is just formality card is approved already). No CIBIL hits or anything.
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Benevolent Benevolent
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Congrats!

but this card is now like ApayICICI and will be excluded in all sales so that 10+5 benefit is dream now

Critic Critic
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Even 5+5 benefit is not there for this card unlike amazonpay. One needs another sbi non-paytm cc to avail any sbi card offer.
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Deal Cadet Deal Cadet
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As i m already holding 2 cards from SBI but not the sbi simply click, will i be eligible for the cashback card?
Deal Baba Deal Baba
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Don't try just yet for 3rd card. Less chances of approval maybe.
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Pro Analyst Pro Analyst
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@ashb009 bro, what's this eSign actually here in SBI Cards Applying process? Is the physical kyc done for existing SBI Card Holders too? Last question, was the call verification process done again after RESTARTING of Application?
Deal Baba Deal Baba
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So the application process goes like this:
1. First call before KYC
2. e-KYC from Link
3. Verification Call after KYC confirming details
4. E-Signature form sent on email/message. You have to sign there and upload Aadhaar XML.
5. Card Status messages (11 days, 9 days, 5 days)
6. Final Verification call if card is almost approved (which I got after restarted application)
7. Card Approval Message and Email

1-5 steps were done before declination. My application resumed from 6th step after complaint.

https://cdn0.desidime.com/attachments/photos/818542/medium/Screenshot20221023-155139.jpg?1666520676



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Deal Subedar Deal Subedar
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@ashb009

Just checked the status again, and it's changed to 'Your SBI Card Application is in progress. We will get back to you soon.'.

Earlier the status was something like 'rejected'.


Deal Baba Deal Baba
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That mostly means it would be approved smile
Helpful Helpful
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Anyone got their 3rd SBI card approved?
Finance Ninja Finance Ninja
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I had received a verification call from sbi 2-3 days back after my application was rejected over a month ago and even nodal officer denied reconsideration. But the call was dropped after 5-6 seconds. Now will i get a call again?
Deal Baba Deal Baba
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The same happened with me and they indeed called again the next day. It was Sunday and Diwali so hopefully you should get a call tomorrow. Also just confirm from SBI Customer Care number to know application status now (also check SBI Card App Get New Card section)
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Cool Cool
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Thanks for your efforts grinning. I have received approval message today & it's already showing in my sbicard app with a limit of 10k (Seriously?! rage). Now that the sale period is over & uber load bug is fixed, it will be a very difficult task to spend 200k pensive. It will not be of much use as I already have Apay ICICI & Fk Axis. 
Deal Baba Deal Baba
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Same. I also received 10k limit only. My SimplyClick has 1.2L limit so I'll probably split 50-50% 🥲
Finance Mentor Finance Mentor
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90 days since last card will be over this weekend...  should I take a try through sprint?

Also app doesn't show "get new card" maybe because cool-off period isn't over yet...

Vanguard Vanguard
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How many SBI credit cards do you hold at the moment including co-branded ones?
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Deal Cadet Deal Cadet
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On Saturday recieved call from Verification team, told "final call". On sunday 12.00 am saw my limit was decreased from 3.2L to 3.1L. Now on Monday I checked application status on site, it shows declined whereas in avail new card shows wait for two days. WTF is wrong with them, not approving not so much useful card (now it is useless), and decreased my limit by 10k. Is it right behavior?
Generous Generous
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That 10k is split to your new card that you applied.
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Crusader Crusader
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The BPCL sbi card comes under a co branded card right? Also does it work on sbi sale discount in Amazon and Flipkart?
Deal Newbie Deal Newbie
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My final verification call is pending and they have tried to call multiple times, however every time they call and i pickup it gets auto cut. Has anyone seen this issue?
Deal Newbie Deal Newbie
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Yes faced something similar issue today where I got call 4times 1st time I missed it next 2 times I picked and it got disconnected. Finally 4th time normal verification was done.
Deal Baba Deal Baba
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Update - Received card dispatch message just now! Looks like SBI was waiting for my birthday stuck_out_tongue_closed_eyes 

Finance Ninja Finance Ninja
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https://cdn0.desidime.com/attachments/photos/818919/medium/Screenshot2022-10-26-01-02-48-590com.google.android.youtube.jpg?1666726380
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Deal Cadet Deal Cadet
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Recieved final confirmation call for simply save card instead of cashback card.before rejection one month back, i had recieved call and confirmation sms for cashback card.
Deal Newbie Deal Newbie
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Still, it says rejected.

https://cdn0.desidime.com/attachments/photos/819009/original/image.png?1666772901

Deal Baba Deal Baba
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Checked in SBI Card App?
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Deal Newbie Deal Newbie
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Somebody please mention the sbi cc nodal officer email and phone number.

Deal Baba Deal Baba
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Level 1: [email protected]
Level 2: [email protected]

No phone numbers.
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Helpful Helpful
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I had 2 SBI cards till earlier, simplyclick and prime with separate limits. I closed the prime few months back. applied for the cashback card which has come with 10K limit and shared with the simplyclick card. What's the use of a card with 1k+ fees and 10K limit. Are they joking? It's a sure shot closure before the renewal comes. Is there a way to increase the card limit? I have enough limit on the simplyclick card, if they want to split.

Deal Baba Deal Baba
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Same happened with me. I just have 120k limit on SimplyClick which I will have to split now sad It's just stupidity 10k, even if we utilise as is, 100% of limit every month, that won't be enough for fee waiver (10k*12 months) -_-
Let's see if they change their minds after 6 months or so.
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Deal Baba Deal Baba
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Mission Completed sunglasses

PS - Card feels cheap, doesn't feel like a premium card. Even SimplyClick Card Quality is better joy


Finance Mentor Finance Mentor
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So name is Aashish Bhatia? 😝

Hunk Hunk
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Far relative of Akshay Kumar and Tammanna innocent
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Deal Newbie Deal Newbie
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@ashb009 how many days difference between the date you received the approved SMS and the date you got access to virtual card?

Deal Baba Deal Baba
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I never received the virtual card details. Directly got the Physical Card.
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Deal Subedar Deal Subedar
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Here is my experience: Applied 2nd day of card launch verification done in same week and card was rejected after 2 weeks (holding sbi simply click) declined with ko proper information. E-mailed to level 2 and level 3 received same copy paste response (we cannot issue you a sbi card for now) now after a month received verification call for same application I said it was declined why your're calling now - person said we have received your application I said leave it I don't want one more enquiry. After 1 week received msg with card approvel and day after received msg to see virtual card. Also when I checked application form it has incorrect mother, father and address as well. SBI is on high ...
Deal Lieutenant Deal Lieutenant
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Same applied on 2nd September but it got rejected, holding Sbi simplyclick. Raised to all top levels but same copy paste reply. But it is not restarted yet. Still showing rejected and no call. Now i dont want it also.
Helpful Helpful
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So after one and half month later…
Yesterday morning got a call from sbi and in the evening i can guess that my card was approved (on sbicard webite login, in new card section saying “you have issued a new card in last 90 days”)
Today morning last 4 digits showing in sbi card app then some hours later approval message and virtual card message came..

Already done some transactions today..
By ila, checked physical dispatch status, it’s dispatched today ( too fast process)

One more thing status on sbicard website’s track status and sprint still showing rejected and in sbicard app get new card section “in progress”.




Applied in first week of sept..
Physical kyc and all televerifications even from head office completed…
Received 11 days message.. then gets rejected..
Complained to pno and even cs head but no help

Deal Cadet Deal Cadet
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Virtual card recieved today
Finance Ninja Finance Ninja
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Badhayian
Mithayian batwa do yum
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Helpful Helpful
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Card was rejected.. today i got call and said you already have 2 cards.. do you want this one as well.. i said yes.. then she asked about the limit i said take 40k from one of simply save with 1lakh limit.. she said ok.. 
As of now, nothing has changed.. let's see
Beacon Beacon
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Same type of call I received about allocation of limit from my other SBI cards. Do tell, if your card gets approved.
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