SBI Cashback Card - Repeated Rejections

[curios_mind_huh]

I have been applying for SBI Cashback card for the better part of 1.5 years now. Still haven't gotten my hands on it yet.

Nov 2022 - Had only two cards from Axis and ICICI. Did not have any prior relationship with SBI apart from Savings account. Was in hometown and went ahead with Sprint Application. Agent came for address verification in hometown and got Aadhar & biometric details. Card was rejected in a few days. Assumed the rejection was because of different address in hometown & Workplace address. My cousin got the card approved instantly (in the same time frame with same situation).

Feb 2023 - Applied again once for Cashback card I moved to Work location. Agent came to Office for verification. Had me sign a form, but did not have a checkbox for Cashback card. When enquired, he said that this is for formality and the application is for Cashback card only. Application got rejected again.

May 2023 - Received a call from SBI. Was instructed to apply on call for SBI Cashback card. Informed all the details and got the application started. Agent came to office again with the same form for signature. Application got approved for a SimplyClick card instead of Cashback card. Decided to keep this card since I didn't have any SBI card at that time.

Apr 2024 - Was browsing through eligible credit cards from my SBI Savings account Netbanking. Saw Cashback credit card and decided to apply from there. When I started the application, it asked me to verify salary bank account. After this though, the Cashback card disappeared in Sprint and it suggested that I was only eligible for SimplySave card. Decided to go ahead with new application for preapproved SimplySave card (Worst decision, I know). It got approved.

May 2024 - Decided to try my luck once again and started a new application for Cashback card from Sprint. This time though, I applied through a different mobile number with same details. No address verification was done, received multiple calls for verification and the application was rejected after almost a month. Same "internal policies" reason.

Aug 2024 - I have now closed my SimplyClick card and decided to have only my SimplySave card, since I'm using this card only for Sale discounts.

I receive around 1.5L net income and my combined credit limit from 8 other cards is around 35L.

1. Why was I rejected multiple times over the years?
2. Given this new Over leverage reason used by SBI, Will I ever get CB card if I decided to apply in future? (If so, when would be an optimal time)

 

[curios_mind_huh]

Do you have other sbi card?

Yes. I have a SimplyClick card with them already

 

[rrsji]

Something unusual happened to me today. I’ve been trying to apply for the same cashback card for the last 1.5 years, but it always got rejected. Yesterday (January 9, 2025), I tried applying again, but this time at a different location in NCR, and it was instantly approved without any physical verification, with a decent limit of ₹1.85 lakh.

A few factors that might have been against me:

1. I already had an SBI Elite card (SBI usually doesn’t approve a lower variant card if a customer holds a higher one, and the agent had told me that I could only apply for an AURUM card).
2. I am over-leveraged, holding 6 ICICI credit cards with an average limit of ₹3.8 lakh each, including Millenia, Elite, Scapia, Niyo Global, RBL Shoprite, and others.

I believe location may have played a crucial role in this approval. I had been applying for this card over the past 1.5 years from UP East, but applying from NCR this time seemed to make all the difference.
while applying cashback card, office address was still in UP east, and current residence address was still in NCR

 

[CardTox]

My issueisdifferent, I already hve SBI Cashback cc and Simpliclick cc with 2l and 2.5l limit respectively. I have been applyig any rupay cc of SBI through sprint, but after aadhar and digi locker varification, they reject my application stating 'sue to internal policy we can not offer you card'. I get the text message from cibil of checking my cibil though by SBI card/

 

[Anindya98]

My issueisdifferent, I already hve SBI Cashback cc and Simpliclick cc with 2l and 2.5l limit respectively. I have been applyig any rupay cc of SBI through sprint, but after aadhar and digi locker varification, they reject my application stating 'sue to internal policy we can not offer you card'. I get the text message from cibil of checking my cibil though by SBI card

Check your Net Banking or SBI Cards app they give pre-approved Rupay Cards (Simply Save or BPCL Octane) on split basis limit

 

[rrsji]

My issueisdifferent, I already hve SBI Cashback cc and Simpliclick cc with 2l and 2.5l limit respectively. I have been applyig any rupay cc of SBI through sprint, but after aadhar and digi locker varification, they reject my application stating 'sue to internal policy we can not offer you card'. I get the text message from cibil of checking my cibil though by SBI card/

email nodal for exact reason of rejection, and avoid that reason to be repeated, mostly these reason are bogus.

 

[CardTox]

email id plz?

 

[Ram1]

Something unusual happened to me today. I’ve been trying to apply for the same cashback card for the last 1.5 years, but it always got rejected. Yesterday (January 9, 2025), I tried applying again, but this time at a different location in NCR, and it was instantly approved without any physical verification, with a decent limit of ₹1.85 lakh.

A few factors that might have been against me:

1. I already had an SBI Elite card (SBI usually doesn’t approve a lower variant card if a customer holds a higher one, and the agent had told me that I could only apply for an AURUM card).
2. I am over-leveraged, holding 6 ICICI credit cards with an average limit of ₹3.8 lakh each, including Millenia, Elite, Scapia, Niyo Global, RBL Shoprite, and others.

I believe location may have played a crucial role in this approval. I had been applying for this card over the past 1.5 years from UP East, but applying from NCR this time seemed to make all the difference.
while applying cashback card, office address was still in UP east, and current residence address was still in NCR

U applied through sprint right?

 

[Ram1]

Over Leverage

Email the SBI card team with your income docs they will approve the application from the backend. The limit will be low and you might have to transfer some limit from BPCL.

Mail id pls

 

[fin_avid]

Mail id pls

this s the nodal officer mail id: nodalofficer@sbicard.com

 

[fin_avid]

another query for me.. have applied for bpcl rupay on 14.12 .. VKYC completed next day.. after that no progress at al. it jus stays in application verification stage.. wat ll be the next step. I jus have to wait or shall I do anyting from my side?

cibil is 778.. have wow card for the past 6 months... any possibility of approval of this card?. have SB plus account in SBI with decent balance.. but salary account in UBI.

 

[Sahil_07]

another query for me.. have applied for bpcl rupay on 14.12 .. VKYC completed next day.. after that no progress at al. it jus stays in application verification stage.. wat ll be the next step. I jus have to wait or shall I do anyting from my side?

cibil is 778.. have wow card for the past 6 months... any possibility of approval of this card?. have SB plus account in SBI with decent balance.. but salary account in UBI.

Maintaing balance has nothing to do wish sbi cards . A complete separate entity handels the credit card section unlike other banks.
But as your cibil is good, hopefully it will be approved. It may take 2/3 days for verification

 

[fin_avid]

Thanks. But it's been one month. That s wat I am concerned about. Anyway I ll wait.

 

[Credit_Cards]

Thanks. But it's been one month. That s wat I am concerned about. Anyway I ll wait.

write to PNO and ask for progress on your application

 

[fin_avid]

write to PNO and ask for progress on your application

Thanks . Ll try tat. Will contacting them actually ll lead to rejection ?? Or tat wont have any effect on approval r rejection?

 

[rrsji]

U applied through sprint right?

Yes the usual way