Hot Deal

(Query) SBI Simplyclick Credit card approval

523°
Deal Subedar
pikkuboss

Got call from SBI card agent from my branch. Applied for credit card yesterday. I mentioned about getting a call from them for credit card. They checked something with my account and filled my application form. They didn’t even ask for any income proof (only adhaar/PAN). They even put my income source as self employed / Proprietorship (I am a student/23). They said I have a good score and surely can get it approved (Don’t know what score it is as I don’t have CIBIL score). Agent mentioned income @ 3L pa (Think they are trying to complete their monthly quota of applications). Savings account is 3 years old, have more than 50k MAB in savings account, also a fixed deposit, huge amount of In/Out transactions in bank statement.

Now waiting for verification call. How should be my approach to the verification caller? What are the chances of getting approval?

Thanks…

59 Comments  |  
19 Dimers
  • Sort By
Pro Entertainer Pro Entertainer
Link Copied

Tell them your bank balance.then No need to present yourself they will beg themselves.
Nothing to worry brother. Just answer what they ask.

Benevolent Benevolent
Link Copied

They would have told u how to answer verification call!
Now u have to tell the same as written in form like self employed with 3lpa, name and address of the company, what the company does..So ask them what is mentioned onform stuck_out_tongue
Approval chances are high with your relationship to SBI

Deal Subedar Deal Subedar
Link Copied

They will approve you, but you have to provide same answer to every calls … You will receive approx 2-3 calls.

Note- after just approval, CCP will call you to tell you feature of CCP, important to tell him/her multiple times that you don’t want CCP. Otherwise they will activate it. In my case they argued me that i tick CCP in application form. But i refused multiple times, then i told him if he activated without my approval.. I’ll complain against him in police.

Again you will get 50+ calls to buy insurance in the name of sbi card. You you have to DND on insurance website. (Actually i forget the insurance company name).

Critic Critic
Link Copied

In my case since I got the card against FD so after seeing the unrelenting attitude of call person I just said that this is temporary & I will close this card to get a better card against salary as soon as I get a job in next few months while this card protection plan fee is annual so then he finally stopped saying anything. smile

View 4 more replies
Deal Subedar Deal Subedar
Link Copied

@pikkuboss update here what happened to your application
Eventually in my case i was denied, as i had no relationship with bank, and as a outer customer they don’t provide card to a self employed person below 25 age, mine was 23
Later i got to know the reason via customer care

Mobile Guru Mobile Guru
Link Copied

It is pre-approved card based on your MAB or FD (Less Likely)
Search through D&D, there were similar threads before

Critic Critic
Link Copied

If they are indeed giving you this credit card without any income & cibil score then it will be a very low limit card(somewhere ~10k) or they are giving it to you on the basis of your FD. Most likely they are giving you the card based on your FD as that is the card which requires you to visit branch or sbi card person at branch to directly contact acc holder(in case of online application,call never come from local branch but from sbi card central office for your city).

Also they will call you & try to trick you into saying YES/confirm for getting card protection plan for ~1500-1600 per year. This plan is basically for insurance in fraud cases where bank may reject your claim because of your own carelessness or some technical reason etc so only take it if you think you need it else all credit cards come with a basic fraud insurance plan which covers any genuine frauds.

Deal Cadet Deal Cadet
Link Copied

I applied for SBI simplyclick and got final confirmation call yesterday but they said that charges for card is 1500.

Deal Subedar Deal Subedar
Link Copied

Not possible. 499 charge is written there. I think they have added CC Insurance with it. Call them and ask them to cancel insurance.

View 6 more replies
Benevolent Benevolent
Link Copied

Someone ll just come to home to verify your kyc. No other details ll be asked.

Deal Cadet Deal Cadet
Link Copied

Card charges is 499 + 18% GST = 589. Payable in the first monthly billing cycle. If you spend more than 1L a year, this will be reversed (not the GST).

Deal Lieutenant Deal Lieutenant
Link Copied

Thank you for your interest in Etihad Guest SBI Card. Our representative , Mobile No. will get in touch with you shortly.
I applied for simply click and they sent this message. It was rectified and now the card will reach in 7 days. 499 fees with 500 Amazon voucher inside welcome kit.

Critic Critic
Link Copied

Are you sure about this? I didn’t got any voucher inside welcome kit so when I read the booklet it says the welcome amazon voucher will be sent to email after paying the 1st year fee in 1st bill statement.

View 2 more replies
Deal Cadet Deal Cadet
Link Copied

I had the same issue as well, applied for SimplyCLICK, they sent SimplySAVE. Called customer care and asked them to rectify it, they sent the right card in next 3 days.

Deal Lieutenant Deal Lieutenant
Link Copied

Why they don’t promote Simply Click, every time i said i need Simply Click, they said it is lowest card, we will give you premium card. Am i missing something

View 1 more reply
Deal Cadet Deal Cadet
Link Copied

I think SBI is giving credit card to most of the people. Few months back the same bank and branch denied me credit card and now they are after me to give a credit card. These people are just completing their quota or target.

Deal Cadet Deal Cadet
Link Copied

Higher cards come with higher fees, so they get more revenue.
SimplyCLICK & SimplySAVE are their lowest end cards.

EDIT: Looks like SBI SimplyCLICK is giving 250 INR BookMyShow along with 500 INR Amazon Voucher on online application.

Deal Lieutenant Deal Lieutenant
Link Copied

Received card on mail today and it is showing, generate CVV and expiry date. But nowhere written it is simply click or some other card. Can anyone please help how to check whether it is simply click or not.

Deal Subedar Deal Subedar
Link Copied

which card’s features did the sbi agent tell you after you applied?
(before verification)

View 5 more replies
Deal Subedar Deal Subedar
Link Copied

Update# Got first verification call today after 10 days. They really are slow in the process. Asked nothing important, Just name, address, father’s name, DoB bla bla… They were asking very politely. Think it is already approved. Waiting for next call.

Deal Subedar Deal Subedar
Link Copied

I got my SBI card yesterday through Blue Dart. Delivery person asked for an OTP that came from “VK-BLUDRT” with message “Your Blue Dart Secure OTP is xxxxxx and its valid for next 30 minutes. Enter this OTP on the device to receive the package.” I gave it to him after carefully reading the sender name and complete text.

Is it a new norm from Blue Dart?

Mobile Guru Mobile Guru
Link Copied

Yes
And the usual noting down the last 3/4 characters of your ID

View 2 more replies
Deal Subedar Deal Subedar
Link Copied

So, this SBI Simplyclick Credit card reverses annual fee if we spend over one lakh in one year.

When does this one year start? From the date of issuing the card? From 1st Jan (to 31st Dec)? Or, from 1st April (to 31st March)?

View 1 more reply
Deal Subedar Deal Subedar
Link Copied

I got my card on 14th Feb (email PDF) / 15th feb (physical) and used it on 14th itself.

When will I get welcome gift of Rs. 500 Amazon Gift card?

Deal Subedar Deal Subedar
Link Copied

I had to call them and raise a ticket to get the gift card delivered. You can try that

View 2 more replies
Critic Critic
Link Copied

update: after not getting the welcome voucher even after 10 days of paying my first generated bill I contacted customer care & got the voucher(do note that my payment due date is not yet over so may be it is supposed to automatically come after due date but I couldn’t wait for testing it).

Deal Subedar Deal Subedar
Link Copied

Got the card in mail today. Got 39k credit limit with 0 renewal fee (don’t know why). Didn’t expect such high credit limit for a first timer without a credit history and without a salary slip/income tax file. Can anyone explain why it is showing 0 renewal fee?
https://cdn0.desidime.com/attachments/photos/608607/medium/6565350Screenshot-2020-03-19-11-15-35-465-com-android-chrome.jpg?1584631954
image uploader

Deal Lieutenant Deal Lieutenant
Link Copied

Where to check this on website or app?

View 3 more replies
Deal Subedar Deal Subedar
Link Copied

Guys how much time SBI card take to show reward points for transaction?

Deal Cadet Deal Cadet
Link Copied

SimplyClick is the best entry level card. I have this card against my 25k FD got 17k credit limit. I pay my+all relatives electricity bill,Dth bill, mobile recharge with this card through Amazon Pay already earned 3000 reward points. Using this card from October in these 6 months my TransUnion CIBIL Score gone to 760 from no history. This card is comparable to Amazon Pay card.

Deal Subedar Deal Subedar
Link Copied

Which is a better card to pay car insurance of 17k to Tata AIG?

1. SBI Simply Click
2. Amazon Pay ICICI
3. HDFC Regalia First

Deal Subedar Deal Subedar
Link Copied

SBI Simplyclick is best all rounder card for all types of payments.

replyuser
Click here to reply
Reply