SBI 2nd Card Appllication Query

[cowcoconut]

Hey
I got cashback 3 months ago as my first SBI card. Now I want simplyclick for bank offers.
Since Amazon revealed that their banking partner for next sale is SBI, I’m thinking of applying now.

I wanted to know a few things:
1. I know cooldown period for sprint application is 3 months. What’s the cooldown period for second card since I applied from SBI Internet banking?
2. Is there some way to get my new card without splitting my existing cashback card’s limit (limit is only 97k would like to retain all of that)
3. My ITR is around 14L and my current credit limit is 8.5L, am I over leveraged?
4. I still have that internet banking banner - should I use that or apply from sprint?

Thanks

 

[s1t2y3a3m6]

1. I know cooldown period for sprint application is 3 months. What’s the cooldown period for second card since I applied from SBI Internet banking?

You can apply now. No issue

2. Is there some way to get my new card without splitting my existing cashback card’s limit (limit is only 97k would like to retain all of that)

Depends on SBI internal policies but most of customers are getting different limit

3. My ITR is around 14L and my current credit limit is 8.5L, am I over leveraged?

No

4. I still have that internet banking banner - should I use that or apply from sprint?

Sprint

 

[cowcoconut]

Thanks

Depends on SBI internal policies but most of customers are getting different limit

So most people can retain all of their limit on their first card?

 

[althafvly]

Hey
I got cashback 3 months ago as my first SBI card. Now I want simplyclick for bank offers.
Since Amazon revealed that their banking partner for next sale is SBI, I’m thinking of applying now.

I wanted to know a few things:
1. I know cooldown period for sprint application is 3 months. What’s the cooldown period for second card since I applied from SBI Internet banking?
2. Is there some way to get my new card without splitting my existing cashback card’s limit (limit is only 97k would like to retain all of that)
3. My ITR is around 14L and my current credit limit is 8.5L, am I over leveraged?
4. I still have that internet banking banner - should I use that or apply from sprint?

Thanks

Check if you have it pre-approved. In sbi cards app more > benefits > avail new card. But the limit will be split here. Better ask for LE first.

 

[Rcbian]

I have applied for 2nd Sbi card and got declined, checked cibil no entry so far.
"Application denied
Your application could not be processed as it doesn't meet our internal policy criteria "

What will be the issue ? I hold sbi cashback since 2 years.

 

[nh124001]

can i apply for 3rd card?, right now i have simplyclick and cashback, i want to apply sbi bpcl octance most probably next year march

 

[cowcoconut]

Check if you have it pre-approved. In sbi cards app more > benefits > avail new card. But the limit will be split here. Better ask for LE first.

LE request from app got rejected instantly.
I’m guessing 3 months is not enough for LE?

No question of splitting SBI cashback limit, that card is super useful for me. 90% of my expenses are online. I’ve gotten 8k cashback in just 3 months.

 

[drshivam]

Hey
I got cashback 3 months ago as my first SBI card. Now I want simplyclick for bank offers.
Since Amazon revealed that their banking partner for next sale is SBI, I’m thinking of applying now.

I wanted to know a few things:
1. I know cooldown period for sprint application is 3 months. What’s the cooldown period for second card since I applied from SBI Internet banking?
2. Is there some way to get my new card without splitting my existing cashback card’s limit (limit is only 97k would like to retain all of that)
3. My ITR is around 14L and my current credit limit is 8.5L, am I over leveraged?
4. I still have that internet banking banner - should I use that or apply from sprint?

Thanks

I'm also facing Same dilemma
Got sbi cb june24 limit 151k
Got pre-approved offer for SimplySave FYF today through mail
FYF offer not showing in sbi cards app
2 rupay cards showing bpcl & SimplySave with charges and limit splitting
Will I get FYF if I apply through sprint and fresh limit for SimplySave?
I guess sbi is giving SimplySave FYF because no one wants it even the basic BPCL is better with the same fees and only 50k renewal fee waiver instead of 1L in SS.
Is there any update on SimplyClick coming with rupay network??

 

[cowcoconut]

I'm also facing Same dilemma
Got sbi cb june24 limit 151k
Got pre-approved offer for SimplySave FYF today through mail
FYF offer not showing in sbi cards app
2 rupay cards showing bpcl & SimplySave with charges and limit splitting
Will I get FYF if I apply through sprint and fresh limit for SimplySave?
I guess sbi is giving SimplySave FYF because no one wants it even the basic BPCL is better with the same fees and only 50k renewal fee waiver instead of 1L in SS.
Is there any update on SimplyClick coming with rupay network??

If you’re gonna only use it for bank offers, I don’t think card variant matters.
Maybe if you can put ~1L spends on it in a year you can push for LTF.