Hot Deal

SBI Card Sprint Application - SimplyClick FYF Offer

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100% OFF 499.0
Finance Mentor
Agni007

https://www.sbicard.com/sprint/simpl...ck

Found full page ad on first 2 pages of TOI today.

First year free SimplyClick SBI card. Normally we don't see FYF and LTF doesn't exist for SBI credit cards.

Offer applicable only on SimplyClick card through Sprint Application process 

Read the tnc link carefully. ₹500 welcome voucher not issued for FYF card.

IMG_20220724_095706

IMG_20220724_095148

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Deal Cadet Deal Cadet
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They will charge joining fee.
Finance Mentor Finance Mentor
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First year fee waived off.

Deal Newbie Deal Newbie
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500 rs amazon voucher isn't given. So smart promotion tactic and nothing more.
Finance Mentor Finance Mentor
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True, but if you are approved, you get virtual card instantly and use this card for SBI card deals for one year without paying anything and cancel after 11 months if not needed.

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Deal Newbie Deal Newbie
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Anyone got approved yet?
Deal Cadet Deal Cadet
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In simply (click) words, we will be saving only joining fee taxes (₹90) if we go with this offer.. smile

Finance Mentor Finance Mentor
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Maybe they won't charge and reverse joining fee, ask CC. If charged, gst of ₹90 is not refunded generally.

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Deal Cadet Deal Cadet
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Applied and got the VC card instantly plus1
Deal Cadet Deal Cadet
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Received the physical card today plus1
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Community Angel Community Angel
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This offer is to save yourself from GST punishment i wish other operators follow

Helpful Helpful
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In other words, 90 rupees GST Revdi is saved.

Finance Mentor Finance Mentor
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Looks like they will mass approve all applications with decent CIBIL in this promo.

Wonder what kind of limit they are giving...

@pjain2712 how much credit limit did you get? CIBIL score? Only vkyc or did they mention physical kyc later?

Deal Cadet Deal Cadet
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Score is 770+ and got 177k limit.
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Finance Mentor Finance Mentor
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I'm self employed too, says I'm eligible. Yet to complete last step of selfie. Will do later.

Finance Mentor Finance Mentor
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Update: completed the Sprint on-boarding journey, accepted and got virtual card. Time taken is about 15 minutes.

Review: The Sprint framework is a bit buggy on mobile browsers. Sometimes, one cannot tap on fields and the get phone keyboard to type. Switched to desktop 2 times and used resume journey function. I'd recommend to use PC to do this and use net-banking (UPI won't work on PC) to verify bank account at last step. Transfer a selfie to PC beforehand. Be prepared to be bombarded with many OTPs during the process.

For self employed, enter organization as "Self Employed NA" Designation Choose "Self Employed" Ensure you enter correct address as in Aadhaar and preferably use the same one for current/dispatch address.

NO DOCUMENTS REQUIRED/UPLOADED. It takes all data from PAN and with Digilocker authentication of Aadhaar.

Regarding bank account verification, I suspect they use PAN/Aadhaar/Mobile no. to match with SBI if you have an account, but never ask if you have any previous SBI relationship.

At last, you are told if eligible and instant virtual card is shown with options to set usage/channels. Overall, quite short and easy process but small bugs are there. (I think they opened this offer window to mass test it)

After that, I installed SBI Card app, registered, logged in and completed their step by step guide (expect a flurry of OTPs here too). The MOST exhaustive and well developed credit card app I have ever encountered. This is an example for others.

About my card approval: I'm a self employed person, so people like us often face rejections and are considered a lower strata in terms of leads than the salaried ones. Still, applied and got approved.

My Credit Limit: about 1L, Current CIBIL: 790-800, Oldest credit history: 13yrs.

Card Type: VISA BIN: 4335 88

Again, I suspect this is a soft window for easy entry and they match if you have SBI account silently. I guess having a good balance there also matters just like good CIBIL score.

I got a very good card number sequence and might keep it after a year. Let's see...

Overall, worth a try and time to at least use it for 11 months. Thanks.

Deal Cadet Deal Cadet
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UPI worked for me on PC though 
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Finance Mentor Finance Mentor
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EXTRA TIP: Install SBI card app, complete the  onboarding process, make ₹1000 online transaction using card within 20days and get bonus 100 RP.

https://cdn0.desidime.com/attachments/photos/791466/medium/IMG_20220725_173316.jpg?1658750742

Deal Cadet Deal Cadet
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Do you already hold SBI account ?
Finance Mentor Finance Mentor
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@kkrulesdnation Any update?

Deal Cadet Deal Cadet
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Sorry bro Was held up Will try in a bit and share the update
Benevolent Benevolent
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Lol on one hand Citi is offering 5k and here sbi is offering FYF 😅. I always wonder how SBI is second highest card issuer despite no LTF cards.

Critic Critic
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Because of sbi brand name(I know many older gen ppl who only trust sbi for anything financial/bank related) & their agents presence inside sbi branches whose only job is to sell their credit cards unlike other banks branches where an employee has his/her regular work too & selling credit cards is just an extra.
Finance Mentor Finance Mentor
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@Knight11 What is citi 5k?

Benevolent Benevolent
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Check Citi site 5k Amazon vouchers on 7500 spend in 60 days. Plus usual joining benefits depending on card variant.

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Deal Cadet Deal Cadet
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Got rejected pensive pensive
Critic Critic
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You got lucky, SBI card has one of the worst customer service(I earlier thought axis service is the worst but now I am having doubts) among all major credit card providers. Also, going by their annual financial reports I think there are less & less chances they will partner with amazon/flipkart on biggest sales of the year(bbd/gis).
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Finance Mentor Finance Mentor
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@kkrulesdnation @Knight11 How about Paytm Citi card? Are rules relaxed or same stringent approval rules? Any idea?

Benevolent Benevolent
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No idea, i think if u see it in Paytm app, u can apply. I haven't seen many rejections unless u don't have 750 cibil or 21 years age.

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Helpful Helpful
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Isn't this worse than old offer as getting Amazon voucher is better than FYF as we can try to spend 1 lac yearly.

Finance Mentor Finance Mentor
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1 lac spend yearly waiver was always there. Here you're getting FYF, paying no joining fees, not getting coupon and saving on 90 rupees GST charged. Also I suspect these applications are having good approval rate.
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Finance Mentor Finance Mentor
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Received and used my physical card today...

Deal Cadet Deal Cadet
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anyone using those SBI co-branded cards? fabindia, max etc?

Which is best to use for online redemption? Any one applied?

Finance Mentor Finance Mentor
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Annual Fee effectively free without spending 1Lac/year : (SimplyClick card only)

Annual fee from 2nd year : ₹499 (ignoring+₹90 gst)

You can claim Amazon ₹500/Cleartrip/BMS GV using 2000 reward points. Each RP=₹0.25 NO extra charges for redeeming these vouchers.

For 10X RP partners: Spends required is ₹20,000

OR

For other online spends 5X RP: Spends required ₹40,000

https://cdn0.desidime.com/attachments/photos/792906/original/IMG_20220731_201657.jpg?1659278845


Finance Mentor Finance Mentor
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Looks like Amazon Freedom sale has SBI Card discounts:

https://cdn0.desidime.com/attachments/photos/792934/original/IMG_20220731_225658.jpg?1659288578

Finance Mentor Finance Mentor
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Dimers who got new card successfully through this campaign may please share their experiences and if they got expected credit limit.

Deal Cadet Deal Cadet
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I applied for SBI Max card. Applied night and card generated morning. Aadhar through Digilocker and they asked for a photo. 

Deal Cadet Deal Cadet
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Non SBI Customer ??
Finance Mentor Finance Mentor
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@neo13 , they ask for a selfie, nothing wrong.

Any why do people seem to apply at odd hours? Try applying during normal working, office hours and days.

Deal Subedar Deal Subedar
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it gave me " we need additional data and our representative will call you screen lol "

Finance Mentor Finance Mentor
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Maybe income docs required or not sbi account holder...

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Deal Captain Deal Captain
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https://www.sbicard.com/sprint/simpl...ck Apply for simply click card through SBI sprint get it quick and first year free. 


https://cdn0.desidime.com/attachments/photos/797571/medium/Screenshot_2022-08-19-11-28-32-308_com.android.chrome.jpg?1660888825




Deal Captain Deal Captain
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https://cdn0.desidime.com/attachments/photos/797569/medium/Screenshot_2022-08-19-11-24-57-070_com.android.chrome.jpg?1660888784
Finance Mentor Finance Mentor
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Looks like they are giving FYF+₹250 amazon voucher for all sprint applications from 1-SEP...

Generous Generous
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I thought this offer

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Deal Newbie Deal Newbie
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Want a SBI card 

replyuser
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