SBI Cashback Card Application - Query & Discussion

[iamdhamo]

Hi Team,

Is there anyone in our TF community who can process and approve sbi cashback card just like amex cards. In Offline mode we cannot get the sbi cashback card so is there any other way?

My application was rejected saying due to bank internal policies.

I have applied late for SBI cashback card. My cibil score is 804. Guess my leverage is exhausted and they rejected.

Want to know if I can apply again after 6 months ?

 

[D₹V]

Hi Team,

Is there anyone in our TF community who can process and approve sbi cashback card just like amex cards. In Offline mode we cannot get the sbi cashback card so is there any other way?

My application was rejected saying due to bank internal policies.

I have applied late for SBI cashback card. My cibil score is 804. Guess my leverage is exhausted and they rejected.

Want to know if I can apply again after 6 months ?

You can apply again after 90d online.

But decrease your leverage first.

 

[panu24]

Hi Team,

Is there anyone in our TF community who can process and approve sbi cashback card just like amex cards. In Offline mode we cannot get the sbi cashback card so is there any other way?

My application was rejected saying due to bank internal policies.

I have applied late for SBI cashback card. My cibil score is 804. Guess my leverage is exhausted and they rejected.

Want to know if I can apply again after 6 months ?

In my knowledge, SBI Cashback card still not possible to be applied by offline way or by any agent. You need to apply online only.

 

[iamdhamo]

You can apply again after 90d online.

But decrease your leverage first.

I decreased my leverage and applied again

But What does this mean

Dear Customer, Your SBI Credit Card Application is approved in principle. Please complete the remaining steps to receive Virtual card -Team SBI?

It showed the limit n when I give generate virutal card it loads for 99% n then it can take more time to generate n retry after sometime

When I checked with customer care they said they have received the application and it's in process

So is the card approved or not?

 

[iamdhamo]

Finally got the card.

I decreased my leverage and applied again

But What does this mean

Dear Customer, Your SBI Credit Card Application is approved in principle. Please complete the remaining steps to receive Virtual card -Team SBI?

It showed the limit n when I give generate virutal card it loads for 99% n then it can take more time to generate n retry after sometime

When I checked with customer care they said they have received the application and it's in process

So is the card approved or not?

Thsi was some bug

 

[TCxBlade]

rutal card it loads for 99% n then it can take more time to generate

Finally got the card.

Thsi was some bug

How many card do you have when you decrase the leverage. Can you please explain all the things, it will help here to someone.

 

[iamdhamo]

How many card do you have when you decrase the leverage. Can you please explain all the things, it will help here to someone

How many card do you have when you decrase the leverage. Can you please explain all the things, it will help here to someone.

I initially had 7 credit cards and totalling all cc limit came to 34.7L and that time I had applied for sbi cb card visa version and it got rejected due to internal policies

When I read messages here they mentioned to decrease leverage

Hence I decreased the limit in all my cards that I don't use much and total was 26L. then after 90 days again I applied for the same card but mc version and it got approved


First time I applied via sprint and next time via yono sbi app n it redirected to sprint

 

[drvirag]

Mine is also declined. I already have 2 cc from sbi and almost all other banks cards. Overleveraged yes. Can any1 suggest wht i Can do. Shud i mail dem to reconsider or tell dem to upgrade my bpcl card to cashback card.

 

[harsh_ujjwal]

Mine is also declined. I already have 2 cc from sbi and almost all other banks cards. Overleveraged yes. Can any1 suggest wht i Can do. Shud i mail dem to reconsider or tell dem to upgrade my bpcl card to cashback card.

Close useless card. It will help you out in overleverage issue.

 

[drvirag]

Close useless card. It will help you out in overleverage issue.

Even if i close few cards den also it will b overleverage. My salary is 1.5l pm n average limit of my card is 2.5l. So as per sbi i can i only hv 2 cards twice of my salary. N i can't close all d cards just for dis card

 

[harsh_ujjwal]

Even if i close few cards den also it will b overleverage. My salary is 1.5l pm n average limit of my card is 2.5l. So as per sbi i can i only hv 2 cards twice of my salary. N i can't close all d cards just for dis card

Sbi cashback is must have even if u have Infinia. If you want this card then you have to check your overlevarage issue else no problem.

 

[bing1309]

Even if i close few cards den also it will b overleverage. My salary is 1.5l pm n average limit of my card is 2.5l. So as per sbi i can i only hv 2 cards twice of my salary. N i can't close all d cards just for dis card

I am also as per sbi it was salaried with mention of 50k per month and you know what happened? They approved. I have 20l, 9l, 7l, 6l etc in total 50l unsecured it still got approved? How its because of there has to be an equal loans of secured loans in your profile or else they don't approve and also major reason also is the state you live in.

 

[harsh_ujjwal]

I am also as per sbi it was salaried with mention of 50k per month and you know what happened? They approved. I have 20l, 9l, 7l, 6l etc in total 50l unsecured it still got approved? How its because of there has to be an equal loans of secured loans in your profile or else they don't approve and also major reason also is the state you live in.

You had home loan??

 

[bing1309]

You had home loan??

No but Vehicle loan only,

 

[amitbindal451]

I apply sbi cashback card online pls suggest me.
my card is approved or not my cibil is 780.

 

[pkpr]

I apply sbi cashback card online pls suggest me.
my card is approved or not my cibil is 780.

Not yet, Wait for few days u will get your answer.

 

[Sobirvs]

I initially had 7 credit cards and totalling all cc limit came to 34.7L and that time I had applied for sbi cb card visa version and it got rejected due to internal policies

When I read messages here they mentioned to decrease leverage

Hence I decreased the limit in all my cards that I don't use much and total was 26L. then after 90 days again I applied for the same card but mc version and it got approved

I am guessing you have received your cashback card already. Can u tell a bit more. What is your ITR? Do you have SBI account?

When you say u "decreased" the limit. What do you mean decreased the limit?? Like did you decrease the limit via website/app of for example ICICI or did you cancelled your cards hence u mean decreased the limit?

 

[amitbindal451]

Not yet, Wait for few days u will get your answer.

Now showing this message??

 

[iamdhamo]

I am guessing you have received your cashback card already. Can u tell a bit more. What is your ITR? Do you have SBI account?

When you say u "decreased" the limit. What do you mean decreased the limit?? Like did you decrease the limit via website/app of for example ICICI or did you cancelled your cards hence u mean decreased the limit?

I got it but it's closed now by bank itself. I have a sbi account as well.

I did not close or decrease limits when card was approved. I hve closed the cards I don't use much now only.

For icici via app I decreased n also requested them via mail.

 

[drvirag]

No but Vehicle loan only,

I too have 2 car loans. N my credit utilization is less dan 20%. Sbi itself give me preaproved offers in app for different cards. But not cashback.