[Personal Experience] SBI Cashback Card Approved after Application Declination
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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
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.
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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https://www.desidime.com/discussions/personal-experience-sbi-cashback-card-approved-after-application-declination?page=1#post_8786062
https://www.desidime.com/discussions/personal-experience-sbi-cashback-card-approved-after-application-declination?page=1#post_8786057
Tagging a few fellow dimers whom I remember who were also pissed off due to SBI declination.
@Alexios @manojkumar43 @decideaim @Shahskm
Also @guest_999 @thegaurav @Gauravmittal49589 @raghupro @Rockstar008 
https://www.desidime.com/discussions/personal-experience-sbi-cashback-card-approved-after-application-declination?page=1#post_8786073
Ah, not showing for me (guess min 6 months active card is needed)
https://www.desidime.com/discussions/personal-experience-sbi-cashback-card-approved-after-application-declination?page=1#post_8786084
Final call Recieved yesterday. When it will be approved? @ashb009
https://www.desidime.com/discussions/personal-experience-sbi-cashback-card-approved-after-application-declination?page=1#post_8786088
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)
https://www.desidime.com/discussions/personal-experience-sbi-cashback-card-approved-after-application-declination?page=1#post_8786097
Checked a few others so tagging them too
@chipi @nimod @amitsrt786 @Napster84 @AnJo @vijay.k86293 @lalitsheoran @aneelg @BUDHRAJ0 @Hitman45 @Atlantic @Bohra @rajneeshy685824 @kannu.rider304
Also, @xera0117 @Ash-D Feel free to apply now I guess
Also, @xera0117 @Ash-D Feel free to apply now I guess
https://www.desidime.com/discussions/personal-experience-sbi-cashback-card-approved-after-application-declination?page=1#post_8786111
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..
https://www.desidime.com/discussions/personal-experience-sbi-cashback-card-approved-after-application-declination?page=1#post_8786834
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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https://www.desidime.com/discussions/personal-experience-sbi-cashback-card-approved-after-application-declination?page=1#post_8786293
Congrats!
but this card is now like ApayICICI and will be excluded in all sales so that 10+5 benefit is dream now
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https://www.desidime.com/discussions/personal-experience-sbi-cashback-card-approved-after-application-declination?page=1#post_8786456
As i m already holding 2 cards from SBI but not the sbi simply click, will i be eligible for the cashback card?
https://www.desidime.com/discussions/personal-experience-sbi-cashback-card-approved-after-application-declination?page=1#post_8786830
Don't try just yet for 3rd card. Less chances of approval maybe.
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https://www.desidime.com/discussions/personal-experience-sbi-cashback-card-approved-after-application-declination?page=1#post_8787388
@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?
https://www.desidime.com/discussions/personal-experience-sbi-cashback-card-approved-after-application-declination?page=1#post_8787401
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.
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.
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https://www.desidime.com/discussions/personal-experience-sbi-cashback-card-approved-after-application-declination?page=1#post_8789166
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'.
https://www.desidime.com/discussions/personal-experience-sbi-cashback-card-approved-after-application-declination?page=1#post_8789170
That mostly means it would be approved
https://www.desidime.com/discussions/personal-experience-sbi-cashback-card-approved-after-application-declination?page=1#post_8789181
Anyone got their 3rd SBI card approved?
https://www.desidime.com/discussions/personal-experience-sbi-cashback-card-approved-after-application-declination?page=1#post_8789288
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?
https://www.desidime.com/discussions/personal-experience-sbi-cashback-card-approved-after-application-declination?page=1#post_8789299
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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https://www.desidime.com/discussions/personal-experience-sbi-cashback-card-approved-after-application-declination?page=1#post_8789447
Thanks for your efforts 
. I have received approval message today & it's already showing in my sbicard app with a limit of 10k (Seriously?! 
). Now that the sale period is over & uber load bug is fixed, it will be a very difficult task to spend 200k 
. It will not be of much use as I already have Apay ICICI & Fk Axis.
. I have received approval message today & it's already showing in my sbicard app with a limit of 10k (Seriously?! ). Now that the sale period is over & uber load bug is fixed, it will be a very difficult task to spend 200k . It will not be of much use as I already have Apay ICICI & Fk Axis.
https://www.desidime.com/discussions/personal-experience-sbi-cashback-card-approved-after-application-declination?page=1#post_8789664
Same. I also received 10k limit only. My SimplyClick has 1.2L limit so I'll probably split 50-50% 🥲
https://www.desidime.com/discussions/personal-experience-sbi-cashback-card-approved-after-application-declination?page=1#post_8789533
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...
https://www.desidime.com/discussions/personal-experience-sbi-cashback-card-approved-after-application-declination?page=1#post_8789627
How many SBI credit cards do you hold at the moment including co-branded ones?
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https://www.desidime.com/discussions/personal-experience-sbi-cashback-card-approved-after-application-declination?page=1#post_8789640
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?
https://www.desidime.com/discussions/personal-experience-sbi-cashback-card-approved-after-application-declination?page=1#post_8789648
That 10k is split to your new card that you applied.
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https://www.desidime.com/discussions/personal-experience-sbi-cashback-card-approved-after-application-declination?page=1#post_8789678
The BPCL sbi card comes under a co branded card right?
Also does it work on sbi sale discount in Amazon and Flipkart?
https://www.desidime.com/discussions/personal-experience-sbi-cashback-card-approved-after-application-declination?page=1#post_8789995
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?
https://www.desidime.com/discussions/personal-experience-sbi-cashback-card-approved-after-application-declination?page=1#post_8791552
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.
https://www.desidime.com/discussions/personal-experience-sbi-cashback-card-approved-after-application-declination?page=1#post_8791181
Update - Received card dispatch message just now! Looks like SBI was waiting for my birthday 
https://www.desidime.com/discussions/personal-experience-sbi-cashback-card-approved-after-application-declination?page=1#post_8791186
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https://www.desidime.com/discussions/personal-experience-sbi-cashback-card-approved-after-application-declination?page=1#post_8791657
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.
https://www.desidime.com/discussions/personal-experience-sbi-cashback-card-approved-after-application-declination?page=1#post_8791823
Still, it says rejected.
https://www.desidime.com/discussions/personal-experience-sbi-cashback-card-approved-after-application-declination?page=1#post_8791860
Checked in SBI Card App?
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https://www.desidime.com/discussions/personal-experience-sbi-cashback-card-approved-after-application-declination?page=1#post_8791916
Somebody please mention the sbi cc nodal officer email and phone number.
https://www.desidime.com/discussions/personal-experience-sbi-cashback-card-approved-after-application-declination?page=1#post_8791977
Level 1: [email protected]
Level 2: [email protected]
No phone numbers.
Level 2: [email protected]
No phone numbers.
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https://www.desidime.com/discussions/personal-experience-sbi-cashback-card-approved-after-application-declination?page=1#post_8793111
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.
https://www.desidime.com/discussions/personal-experience-sbi-cashback-card-approved-after-application-declination?page=1#post_8793117
Same happened with me. I just have 120k limit on SimplyClick which I will have to split now 
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.
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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https://www.desidime.com/discussions/personal-experience-sbi-cashback-card-approved-after-application-declination?page=1#post_8793260
Mission Completed 
PS - Card feels cheap, doesn't feel like a premium card. Even SimplyClick Card Quality is better
PS - Card feels cheap, doesn't feel like a premium card. Even SimplyClick Card Quality is better
https://www.desidime.com/discussions/personal-experience-sbi-cashback-card-approved-after-application-declination?page=1#post_8793312
So name is Aashish Bhatia? 😝
https://www.desidime.com/discussions/personal-experience-sbi-cashback-card-approved-after-application-declination?page=1#post_8793468
I never received the virtual card details. Directly got the Physical Card.
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https://www.desidime.com/discussions/personal-experience-sbi-cashback-card-approved-after-application-declination?page=1#post_8793442
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 ...
https://www.desidime.com/discussions/personal-experience-sbi-cashback-card-approved-after-application-declination?page=1#post_8793602
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.
https://www.desidime.com/discussions/personal-experience-sbi-cashback-card-approved-after-application-declination?page=1#post_8793783
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
https://www.desidime.com/discussions/personal-experience-sbi-cashback-card-approved-after-application-declination?page=1#post_8794564
Virtual card recieved today
https://www.desidime.com/discussions/personal-experience-sbi-cashback-card-approved-after-application-declination?page=1#post_8794570
Badhayian
Mithayian batwa do
Mithayian batwa do
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https://www.desidime.com/discussions/personal-experience-sbi-cashback-card-approved-after-application-declination?page=1#post_8795919
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
As of now, nothing has changed.. let's see
https://www.desidime.com/discussions/personal-experience-sbi-cashback-card-approved-after-application-declination?page=1#post_8797288
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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"Check pre approved card option in app"... you mean "emi & more" link in sbicard app?