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SBI Cashback card limit discussion

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Deal Subedar
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I am creating this thread to discuss on limit provided on SBI Cashback CC. There were few comments on existing threads regarding low limit given by SBI but I was finding it difficult to gather all relevant comments. 

My story : After waiting for so long, I finally received 2nd verification call 2 days back and the card was issued. However, I was surprised to see that they provided me a limit of just 20k !! 

I am salaried and hold SBI prime card since almost 4 years and the current limit is 1.5 lakh. Recently Kotak and HDFC  issued card to me with a limit of 2 lakh.

This 20k limit is way too less to use the card efficiently. 

Share your card limit, existing relationship and salaried/self employed status to help us understand the logic. 

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Deal Cadet Deal Cadet
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Applied online on Sept 8th. Instant approval online. No documents, verification etc. Self employed. Decent ITR but not requested. No prior relationship with SBI. Virtual card provided instantly. I used it right away. Credit limit was a little low at 2.49 lakhs.

Benevolent Benevolent
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For new cards credit limit is average limit as per existing credit reports..

For existing it will be 10-20K. Get your limit transfered from one card to other.

Deal Subedar Deal Subedar
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Seems you are correct. 

They are giving less limit if we have existing sbi card by calculating risk per customer and not by risk per card. 

How to transfer limit ? Has anyone done here recently ?

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Generous Generous
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i got 3,00,000 limit and at the time of application there was an option to share any existing card number for faster processing. I shared the kotak cc with 2.5 lakh limit.

This is my first sbi cc


Commentator Commentator
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For those whose card is approved and not reached yet: If you like to know your approved credit limit make a Missed call to their number. https://www.sbicard.com/en/personal/benefits/ea...
Deal Cadet Deal Cadet
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Is there a way to check virtual card, SMS link that SBI sent is not working, getting some error like This service is not available to you at this moment or something.
Tried Retrieve application from sprint that also is not working.
Got approval msg on 23 card updated in app with last 4 digit but no way on app to show complete detail.
Any possible way?
Benevolent Benevolent
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Have you downloaded SBI card app?

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Deal Cadet Deal Cadet
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Mine is a pretty high 4.81L

Deal Cadet Deal Cadet
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@Lobogris @ConfirmPassword Applied for SBI cashback card through Sprint?

Deal Cadet Deal Cadet
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Yes.

Deal Cadet Deal Cadet
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For new sbi credit card user, any way to get the virtual card details? 

Sbi executives are not technically sounded just they are fill details and sell it to scammers, they even don't know virtual card

Thanks in advance

Deal Cadet Deal Cadet
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Anyone has idea on this? 

Deal Newbie Deal Newbie
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Since almost 5+ years I am using SimplyClick with 5.80L Limit, Got a call after applying SBI Cashback to choose limit split between both cards. I told them to keep 40K in simplyclick and transfer rest all to new Cashback card. So my card arrived with 5.40L limit. I am spending full 2L each month to get 10k cashback since then.. card blocking/unblocking is routin process with this card.

Deal Newbie Deal Newbie
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My card limit is 70k if i use 70k and pay 70k back and again use will they block my card permanently for over using?.Is there any soecific limit i should not cross?

Deal Newbie Deal Newbie
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Anyone was able to get the credit limit transferred from another existing SBI Card to Cashback Card ? I got a paltry 20k limit

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