sovon
TF Legend
Holding an SBI Simply SAVE RuPay credit card from March 2025.
Recently got a limit increase offer a few weeks ago (before completing 6 months).
Also received an upgrade offer to SBI Elite card.
With these positive signs, I thought maybe during this festive season I could try applying for the SBI Cashback Credit Card (Visa). I specifically chose Visa because I saw some users mentioning Mastercard had issues with certain MCC codes.
Applied through the SBI Sprint portal around 11 PM.
Entered name, phone number, PAN, and most details were already fetched automatically.
Confirmed my address and moved ahead.
It asked for profession – options were salaried or self-employed; I chose one and proceeded.
Next step showed KYC options:
1. Video KYC
2. Digi Locker + ₹1 deposit option
I selected Digi Locker + ₹1 deposit. It redirected me to Digi Locker, completed that part successfully, then asked for address confirmation again.
After that, instead of taking me to the ₹1 deposit step, it suddenly showed:
"We request you to provide additional information to process your application."
I expected instant approval, but that didn’t happen.
Got an SMS immediately after submitting:
Dear Applicant, thank you for applying for SBI Credit Card. Our executive will contact you soon for some additional documents that are required to process your Application No. xxxxxxxxxxxxx. You can track your application status at (link) - SBI Card
Then received another SMS within seconds:
You have successfully submitted your application for SBI Credit Card (App No. xxxxxxxxxxxxx). Track status at (some link). To know about fee and charges, visit (link) To refer to Most Important Terms and Conditions, go to (link). For card features and benefits, visit (link)
When I checked the application status, it showed pending and was asking for additional information like residential and work address. Tried submitting but it kept showing an error.
(This seems to be a common issue faced by many applicants; the backend often updates later through manual intervention.)
Tagged SBI Card on Twitter (now X) asking for help.
They replied that they were looking into it but no further update that day.
At around 4 PM, I received two SMS and two emails asking for additional information, specifically 6 months bank statement through the Anumati aggregator.
I granted the permission immediately.
Within 5 minutes, received a call from an SBI executive.
She confirmed that I had completed the Anumati permission and then said she would send me a video KYC link.
I told her I had selected the ₹1 deposit option earlier, but she said that video KYC was still mandatory.
I also asked about the two sets of emails/SMS for Anumati, and she clarified that both are the same, they send two in case one doesn’t go through.
Completed video KYC, very simple, took barely a minute.
She asked for my name, address, PAN card, and captured a photo.
After completing it, I called her back to confirm.
Then she asked if any of my family members had an Aadhaar-linked mobile number.
I said yes (my brother).
She said she was sending a link where I had to verify my application number through OTP and give Digi Locker access of my brother as nominee, and at the end upload his photo.
I did that process.
After that, she sent me an e-sign link.
I opened the form, reviewed everything, and completed the Aadhaar OTP-based e-sign.
Downloaded the form as well (also received it by email).
Also I noticed in the final form there was an Add-on card section with my brother’s details prefilled. (Later after card approval, in the app, an Add-on card indeed appeared under my account, confirming that the nominee process was actually an add-on card request.)
All of this was done by around 5 PM.
Verification Call:
She said to wait for system sync and that she would call again for verification.
At around 8 PM, she called back (the call was in Bengali, likely from Kolkata).
The verification call was completed successfully.
Immediately after that, I received these messages:
Dear Applicant, thank you for applying for SBI Credit Card. Your Application No. xxxxxxxxxxx is being processed with tentative credit limit ranging between Rs. 10000.0 and Rs. 83000.0, subject to verification of your application. You can track your application status at (link) - SBI Card
And another SMS with generic card details:
Thank you for applying for SBI Credit Card. Please note the below details: Card applied: Cashback SBI Card on VISA Annual Fee / Joining Fee: 999 / 0 Credit Limit: Rs. 15000 - Rs. 1000000 Card features and benefits: (link)
She told me I might receive one more verification call from a 1600 number and to complete it as well.
Received a call at around 9:30 AM in Hindi.
The person asked for my name and address and confirmed the card variant and annual fee.
That was the final verification.
Around 1 PM, I got a reply on X from SBI Card:
"Congratulations! Your application has been processed, and your new SBI Credit Card will be dispatched to the mailing address soon."
I replied asking if it meant approval. They called me and confirmed that the card was approved at the same time the tweet was sent, and the status page would update by end of the day.
This Twitter (X) interaction helped me know my real-time approval status even before the main SMS and email were received.
Later that evening (7 PM)
Received another message:
We have received your SBI Card Application. Pls give us 11 working days to process your App.No. xxxxxxxxxxx. The ANNUAL fee on Cashback SBI Card on VISA is INR 999. You can track your application status online at (link)
The application tracker finally changed to Approved, and the virtual Cashback card (Visa) appeared in my account.
Limit showing ₹83,000.
At 9:20 AM, received this email:
Dear Cardholder,
Your SBI Credit Card has been approved and will reach you in 7 working days. To download and view your signed application form, click here.
Please use the App Code that you have received on your Registered Mobile Number to view the signed application form.
To refer to Most Important Terms & Conditions, click here.
At 9:25 AM, received the final SMS:
Dear Cardholder, your credit card has been approved and will reach you in 7 working days. To download and view your signed application form, click here. You can manage your account online at (link) - SBI Card
Immediately after that, I got the onboarding option on the app.
Generated the PIN, accepted all charges and billing cycle details, and successfully set up the card.
Now both cards are active in my app, the Simply SAVE RuPay and the Cashback Visa, and the add-on card (of my brother) is also showing.
Dear Cardholder, welcome to the SBI Card family. You can start using your new SBI Credit Card for online transactions right away! Simply click the link to view your card details: (link) . Please note your physical card is being sent and will reach you in 5 working days. Download SBI Card App: www.sbicard.com/mobile-app.
Another Approval SMS:
Congratulations! Your SBI Card App No.xxxxxxxxxxxxxx has been approved. Card will reach you in 7 working days. You can now manage your account online at www.sbicard.com
Summary & Key Timeline
15 Oct (Night): Applied through Sprint portal, got “additional information required” error.
16 Oct: Contacted SBI Card via Twitter for help.
17 Oct: Received Anumati and VKYC links, completed VKYC, nominee added as add-on card, e-signed form, and first verification call completed.
18 Oct: Final verification call completed; got Twitter confirmation of approval before SMS/email.
19 Oct Morning: Tracker updated to “Approved”; virtual Cashback Visa card appeared; onboarding completed.
20th Oct: Recieved Virtual Card details including CVV
22nd / 23rd october: Card dispatched
Important Points & Observations:
The “additional information” error after Digi Locker KYC is common and usually auto-resolves once an executive picks it up.
With the Nominee step, they also created an add-on card, confirmed in the final form and app.
Twitter/X support can help get real-time confirmation much faster than waiting for SMS or email.
Recently got a limit increase offer a few weeks ago (before completing 6 months).
Also received an upgrade offer to SBI Elite card.
With these positive signs, I thought maybe during this festive season I could try applying for the SBI Cashback Credit Card (Visa). I specifically chose Visa because I saw some users mentioning Mastercard had issues with certain MCC codes.
- Application Start – 15th October (Late Night):
Applied through the SBI Sprint portal around 11 PM.
Entered name, phone number, PAN, and most details were already fetched automatically.
Confirmed my address and moved ahead.
It asked for profession – options were salaried or self-employed; I chose one and proceeded.
Next step showed KYC options:
1. Video KYC
2. Digi Locker + ₹1 deposit option
I selected Digi Locker + ₹1 deposit. It redirected me to Digi Locker, completed that part successfully, then asked for address confirmation again.
After that, instead of taking me to the ₹1 deposit step, it suddenly showed:
"We request you to provide additional information to process your application."
I expected instant approval, but that didn’t happen.
- Initial Response:
Got an SMS immediately after submitting:
Dear Applicant, thank you for applying for SBI Credit Card. Our executive will contact you soon for some additional documents that are required to process your Application No. xxxxxxxxxxxxx. You can track your application status at (link) - SBI Card
Then received another SMS within seconds:
You have successfully submitted your application for SBI Credit Card (App No. xxxxxxxxxxxxx). Track status at (some link). To know about fee and charges, visit (link) To refer to Most Important Terms and Conditions, go to (link). For card features and benefits, visit (link)
When I checked the application status, it showed pending and was asking for additional information like residential and work address. Tried submitting but it kept showing an error.
(This seems to be a common issue faced by many applicants; the backend often updates later through manual intervention.)
- 16th October:
Tagged SBI Card on Twitter (now X) asking for help.
They replied that they were looking into it but no further update that day.
- 17th October Afternoon:
At around 4 PM, I received two SMS and two emails asking for additional information, specifically 6 months bank statement through the Anumati aggregator.
I granted the permission immediately.
Within 5 minutes, received a call from an SBI executive.
She confirmed that I had completed the Anumati permission and then said she would send me a video KYC link.
I told her I had selected the ₹1 deposit option earlier, but she said that video KYC was still mandatory.
I also asked about the two sets of emails/SMS for Anumati, and she clarified that both are the same, they send two in case one doesn’t go through.
Completed video KYC, very simple, took barely a minute.
She asked for my name, address, PAN card, and captured a photo.
After completing it, I called her back to confirm.
Then she asked if any of my family members had an Aadhaar-linked mobile number.
I said yes (my brother).
She said she was sending a link where I had to verify my application number through OTP and give Digi Locker access of my brother as nominee, and at the end upload his photo.
I did that process.
After that, she sent me an e-sign link.
I opened the form, reviewed everything, and completed the Aadhaar OTP-based e-sign.
Downloaded the form as well (also received it by email).
Also I noticed in the final form there was an Add-on card section with my brother’s details prefilled. (Later after card approval, in the app, an Add-on card indeed appeared under my account, confirming that the nominee process was actually an add-on card request.)
All of this was done by around 5 PM.
Verification Call:
She said to wait for system sync and that she would call again for verification.
At around 8 PM, she called back (the call was in Bengali, likely from Kolkata).
The verification call was completed successfully.
Immediately after that, I received these messages:
Dear Applicant, thank you for applying for SBI Credit Card. Your Application No. xxxxxxxxxxx is being processed with tentative credit limit ranging between Rs. 10000.0 and Rs. 83000.0, subject to verification of your application. You can track your application status at (link) - SBI Card
And another SMS with generic card details:
Thank you for applying for SBI Credit Card. Please note the below details: Card applied: Cashback SBI Card on VISA Annual Fee / Joining Fee: 999 / 0 Credit Limit: Rs. 15000 - Rs. 1000000 Card features and benefits: (link)
She told me I might receive one more verification call from a 1600 number and to complete it as well.
- 18th October Morning:
Received a call at around 9:30 AM in Hindi.
The person asked for my name and address and confirmed the card variant and annual fee.
That was the final verification.
Around 1 PM, I got a reply on X from SBI Card:
"Congratulations! Your application has been processed, and your new SBI Credit Card will be dispatched to the mailing address soon."
I replied asking if it meant approval. They called me and confirmed that the card was approved at the same time the tweet was sent, and the status page would update by end of the day.
This Twitter (X) interaction helped me know my real-time approval status even before the main SMS and email were received.
Later that evening (7 PM)
Received another message:
We have received your SBI Card Application. Pls give us 11 working days to process your App.No. xxxxxxxxxxx. The ANNUAL fee on Cashback SBI Card on VISA is INR 999. You can track your application status online at (link)
- 19th October Morning:
The application tracker finally changed to Approved, and the virtual Cashback card (Visa) appeared in my account.
Limit showing ₹83,000.
At 9:20 AM, received this email:
Dear Cardholder,
Your SBI Credit Card has been approved and will reach you in 7 working days. To download and view your signed application form, click here.
Please use the App Code that you have received on your Registered Mobile Number to view the signed application form.
To refer to Most Important Terms & Conditions, click here.
At 9:25 AM, received the final SMS:
Dear Cardholder, your credit card has been approved and will reach you in 7 working days. To download and view your signed application form, click here. You can manage your account online at (link) - SBI Card
Immediately after that, I got the onboarding option on the app.
Generated the PIN, accepted all charges and billing cycle details, and successfully set up the card.
Now both cards are active in my app, the Simply SAVE RuPay and the Cashback Visa, and the add-on card (of my brother) is also showing.
- 20th October 2025
Dear Cardholder, welcome to the SBI Card family. You can start using your new SBI Credit Card for online transactions right away! Simply click the link to view your card details: (link) . Please note your physical card is being sent and will reach you in 5 working days. Download SBI Card App: www.sbicard.com/mobile-app.
Another Approval SMS:
Congratulations! Your SBI Card App No.xxxxxxxxxxxxxx has been approved. Card will reach you in 7 working days. You can now manage your account online at www.sbicard.com
- 21st October 2025 , 8:20 PM
- 22nd October :
- 23rd October :
Summary & Key Timeline
15 Oct (Night): Applied through Sprint portal, got “additional information required” error.
16 Oct: Contacted SBI Card via Twitter for help.
17 Oct: Received Anumati and VKYC links, completed VKYC, nominee added as add-on card, e-signed form, and first verification call completed.
18 Oct: Final verification call completed; got Twitter confirmation of approval before SMS/email.
19 Oct Morning: Tracker updated to “Approved”; virtual Cashback Visa card appeared; onboarding completed.
20th Oct: Recieved Virtual Card details including CVV
22nd / 23rd october: Card dispatched
Important Points & Observations:
The “additional information” error after Digi Locker KYC is common and usually auto-resolves once an executive picks it up.
With the Nominee step, they also created an add-on card, confirmed in the final form and app.
Twitter/X support can help get real-time confirmation much faster than waiting for SMS or email.
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