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SBI Card Over Leveraged? Here's the Solution - Experiment

D₹V

TF Prestige
SBI cards offline application - applying by yourself & sending it to SBI cards office like HDFC Chennai method.


I recently emailed SBI card to issue me 2nd card & this was their reply:

Screenshot_20240729-133546.webp

We request you to visit our website www.sbicard.com. On the main page, please click on Cards for You and choose SBI Card of your choice, then click on Learn More. Post that click on Apply Now, it will take you to next page where you can provide the required personal information to apply for card.

(Or)

We would request you to download the application form from website
www.sbicard.com and complete the form in all respects and send the original form at the below mentioned address.

SBI Cards and Payments Services Pvt. Ltd,

P.O Box No-16, G.P.O

New Delhi-110001

After completion of necessary formalities, if these adhere as per the policy, we would be able to send your card.


Meaning SBI card can be applied offline by filling form & sending it via post.

So I went to SBI site, scrolled down then click on form center & found this form (
attached).

Whoever is unable to get SBI card, please try this method manually & update here.


I believe this can work because SBI will do all verification & stuff manually including CIBIL check. On the other hand, in online application, CIBIL thing is automated & rejects customer instantly citing internal policy (over leveraged).

What docs to send? I didn't see any mention of docs but you can attach income docs, address proof like aadhar or even C2C docs for better approval rate 😂 (I saw section of other card number option, so you can try).

P.s. I didn't read the whole form.

P.s. - This is an experimental post & doesn't guarantee 100% approval with trick.


If you copy this post, don't forget to give credit to OP (@D₹V).
 

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How to get third card @imdjay @BVC . I've been declined more than once
They might not be declining because you are applying for 3rd card but maybe the reason is that you are over leverage.
My first card IRCTC Rupay , then applied SBI Cb. After a while got pre-approved offer in app for SBI simplyclick or BPCL. Got BPCL. At that point of time, Aurum RM was chasing me to apply for Aurum as 3rd card.
 
They might not be declining because you are applying for 3rd card but maybe the reason is that you are over leverage.
My first card IRCTC Rupay , then applied SBI Cb. After a while got pre-approved offer in app for SBI simplyclick or BPCL. Got BPCL. At that point of time, Aurum RM was chasing me to apply for Aurum as 3rd card.
Aurum will be sourced only to Metro cities?
 
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