Sbi cashback credit card application process 2025

[harsha1]

Hi Team, anyone recently ( in 2025) applied this SBI cashback credit card?

Which platform you have used to application?

What was your overall credit card total limit from other cc cards?

Do we get immediate approval or decline on screen while application?

I have total other cc limits around 24L

Will I be eligible to apply? 🥶

Please guide...

 

[Anindya98]

Hi Team, anyone recently ( in 2025) applied this SBI cashback credit card?

No

Which platform you have used to application?

Cashkaro

What was your overall credit card total limit from other cc cards?

At the time of application in Sept 2023. Around 5L Overall CC limit.

Do we get immediate approval or decline on screen while application?

If you have any other SBI CC then they might reject it instantly.

I have total other cc limits around 24L

Will I be eligible to apply? 🥶

Please guide...

NO, Over - Leverage

Post in thread 'SBI Cashback Card - Repeated Rejections'

Jan 9, 2025

View attachment 80053

My SBI Cashback Card Application Rejected as well. Not sure why.

My details:

CIBIL: 804
Already have SBI BPCL Octane Card Paid one (since last 2.5 years) + 1 Add-On Card
Only 1 hit on CIBIL enquiry in last 1 month apart from SBI

What could be the reason?

Over Leverage

Any suggestions on what should be my next steps?

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.

• Anindya98

• 

 

[Shubham330]

Applied recently. Took 4 days for approval and next 3 to get physical card.

Was alredy holding sbi bpcl octane so sbi asked me to split limit. So i splitted it 50:50 resulting into 1.25L each .

In case of fresh application sbi gives very poor limit for cashback cards.

Used Sprint(through Cashkaro)
Was holding cards with total limit of 28L

 

[harsha1]

I do not have any SBI CC as of now. So are you suggesting to go with manual way via branch people?

No

Cashkaro

At the time of application in Sept 2023. Around 5L Overall CC limit.

If you have any other SBI CC then they might reject it instantly.

NO, Over - Leverage

Post in thread 'SBI Cashback Card - Repeated Rejections'

Jan 9, 2025

View attachment 80053

My SBI Cashback Card Application Rejected as well. Not sure why.

My details:

CIBIL: 804
Already have SBI BPCL Octane Card Paid one (since last 2.5 years) + 1 Add-On Card
Only 1 hit on CIBIL enquiry in last 1 month apart from SBI

What could be the reason?

Over Leverage

Any suggestions on what should be my next steps?

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.

• Anindya98

• 

 

[Shubham330]

From Which platform you applied bro?

Used Cashkaro for extra cashback

 

[harsha1]

Ohh I re-read your comment and got answer so deleted my comment 😂

Used Cashkaro for extra cashback

 

[Anindya98]

I do not have any SBI CC as of now. So are you suggesting to go with manual way via branch people?

Apply using Cashkaro you will also get an additional 1200 Amazon/Flipkart vouchers on successful card approval.

SBI: Earn Flat Rs 1200 CashKaro Rewards on Card Disbursal for SBI Cashback Credit Card | 2024

 

[Shubham330]

But as you said in other comment you dont hold any sbi card and your limit is 25L on other.

I suspect it will get rejected for the reason of over leverage.

I experienced same in my previous attempt.

So used strategy. Acquired card which is more valued by sbi(BPCL Octane) then applied for cashback after 90 day cool off for Sprint.

 

[harsha1]

But as you said in other comment you dont hold any sbi card and your limit is 25L on other.

I suspect it will get rejected for the reason of over leverage.

I experienced same in my previous attempt.

So used strategy. Acquired card which is more valued by sbi(BPCL Octane) then applied for cashback after 90 day cool off for Sprint.

Ahh so they have 90 days cooling period, so for example if I apply Cashback CC now and got rejected then I need to apply some other SBI CC after 90 days and then again after next 90 days I can try apply for actual required card..


Nice, thanks for good guidance and suggestions work around

 

[Sourabh_13]

Hi Team, anyone recently ( in 2025) applied this SBI cashback credit card?

Which platform you have used to application?

What was your overall credit card total limit from other cc cards?

Do we get immediate approval or decline on screen while application?

I have total other cc limits around 24L

Will I be eligible to apply? 🥶

Please guide...

I have applied yesterday....offline, through RM. Yet to get the approval message. No immediate approval/decline since it is offline.

Total CC limit alone is not an indicator of anything.

If your total credit limit is much more than your annual income (maybe more than 1.3x or 2x; I am not sure about these numbers though), then SBI will consider you overleveraged (the odds of your application getting declined goes up).

 

[Shubham330]

Ahh so they have 90 days cooling period, so for example if I apply Cashback CC now and got rejected then I need to apply some other SBI CC after 90 days and then again after next 90 days I can try apply for actual required card..


Nice, thanks for good guidance and suggestions work around

If you use sprint then its 90 days. If you apply through yono/SBI netbanking/SBi Cards Website/Offline then its 180 days.


Even if your application gets rejected through sprints it allows you to apply but don't do that as it just add one cibil enquiry and extend your 90 days again resulting into reaction.

Note the date. Wait for calendar 90 days and reapply

 

[panu24]

I have applied yesterday....offline, through RM. Yet to get the approval message. No immediate approval/decline since it is offline.

Total CC limit alone is not an indicator of anything.

If your total credit limit is much more than your annual income (maybe more than 1.3x or 2x of your total credit limit; I am not sure about these number though), then SBI will consider you overleveraged (the odds of your application getting declined goes up).

I think Cashback card still not open to apply in offline mode.

 

[Sourabh_13]

I think Cashback card still not open to apply in offline mode.

My RM applied, he sent someone from the branch to fill out the form, one call came from SBI Cards, eKYC and VKYC is done...now waiting for the next verification call (or rejection intimation in an unfortunate event 🥲).

There is some offer/scheme going on for IIT students who have upgraded their regular account to the wealth account and have already taken ELITE LTF through their institute campaign. I had to give my insti ID while applying.

 

[CyberPsych]

Used Sprint(through Cashkaro)

I think you will not get rewards since they updated their T&C that existing SBI customers are not eligible for rewards, you already hold SBI BPCL Octane

 

[anonymuos]

This "over leverage" issue - it means they think your total all other banks' credit cards limit is too much for them to approve it or only their own SBI cards? If they can give me SimplyCLICK and SimplySAVE, and if I close both, can't they give me SBI Cashback?

 

[Sourabh_13]

This "over leverage" issue - it means they think your total all other banks' credit cards limit is too much for them to approve it or only their own SBI cards? If they can give me SimplyCLICK and SimplySAVE, and if I close both, can't they give me SBI Cashback?

Total of all banks' credit cards' limits

I don't know if they give different weightage to the overleverageness parameter for different cards.

 

[harsha1]

My RM applied, he sent someone from the branch to fill out the form, one call came from SBI Cards, eKYC and VKYC is done...now waiting for the next verification call (or rejection intimation in an unfortunate event 🥲).

There is some offer/scheme going on for IIT students who have upgraded their regular account to the wealth account and have already taken ELITE LTF through their institute campaign. I had to give my insti ID while applying.

Do they consider other institutions as well for PhD research students 🤔 part time? Or any website link which advertise or provide more details about these campaigns? Any idea?

Can I DM you?

 

[Sourabh_13]

Do they consider other institutions as well for PhD research students 🤔 part time? Or any website link which advertise or provide more details about these campaigns? Any idea?

Can I DM you?

I don't know about other institutions than IITs. It is for fourth/fifth year BTechs and all PG students of all years. Full time/part time doesn't matter. All you need to have is valid and active institute student ID card.

There is no official webpage that gives information about Wealth upgrade schemes or ELITE LTF offerings. Usually SBI guys setup booths at popular places in the campus or you will have to visit the in-campus SBI branch for availing these.

There are threads on this forum on Elite LTF and unconditional Wealth upgrades for IIT students.

You can DM me too.

 

[AlooDum]

No

Cashkaro

At the time of application in Sept 2023. Around 5L Overall CC limit.

If you have any other SBI CC then they might reject it instantly.

NO, Over - Leverage

Post in thread 'SBI Cashback Card - Repeated Rejections'

Jan 9, 2025

View attachment 80053

My SBI Cashback Card Application Rejected as well. Not sure why.

My details:

CIBIL: 804
Already have SBI BPCL Octane Card Paid one (since last 2.5 years) + 1 Add-On Card
Only 1 hit on CIBIL enquiry in last 1 month apart from SBI

What could be the reason?

Over Leverage

Any suggestions on what should be my next steps?

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.

• Anindya98

• 

Please share email ID of SBI for reconsideration

 

[Anindya98]

Please share email ID of SBI for reconsideration

email : customercare@sbicard.com