https://www.desidime.com/discussions/which-banks-credit-cards-sensitive-on-pin-code?page=1#post_8648387
I live in a remote village in Gujarat where SBI doesn’t provide service as per their site. But still many people in my village have that card. If pincode is not serviceable, you have to apply through nearby branch. That way all pincodes are serviceable. I have Axis Bank, HDFC Bank, ICICI Bank, AU Bank and Kotak Bank CC even though I am in a remote village.