Pre-APPROVED will be only for some select existing customers - without issues - and only whose complete details are with the banker - which include VKYC. When such a customer is selected for such PRE-APPROVED offers, he only needs to give his consent for the new card - by SMS or eMail or via link. Nothing more to be done.
To confuse applicants (non-eligible existing customers, or non-customers, referrals, third-party sales customers....), some other misleading marketing terms are being used.... like Pre-Eligible, Pre-Cleared, Approved n Waiting, Exclusively for You,......
None of these are Pre-Approved.
So, be very clear and vigilant.