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]

Ohk I'll apply for it... but there is only one issue that what if it get declined..
Then how much will there waiting period.... ,, "⁉️

A 3-month waiting period.

 

[Piyush Yadav]

A 3-month waiting period.

Check I'll dm you

 

[Anindya98]

Which version to apply mastercard or visa

I use the Visa variant.
It's your choice.

 

[mailmenow]

From where you Apply?

Via sbi sprint on 15th. Got approved instantly. Card dispatch message received today

 

[Hemang]

Via sbi sprint on 15th. Got approved instantly. Card dispatch message received today

Bhai apki kitni overall limit hai including all cc and existing sbi card limit and age ?

 

[mailmenow]

Bhai apki kitni overall limit hai including all cc and existing sbi card limit and age ?

I have two axis of 1.4lakh. old card is 4 yrs old , two icic of 2.1 lakh. SBI cb card got 91k

 

[mailmenow]

Bhai apki kitni overall limit hai including all cc and existing sbi card limit and age ?

For over leverage will it count seperate card limit of same bank?

 

[R_A_J]

For over leverage will it count seperate card limit of same bank?

I think Yes.....as the total limit in CIBIL (for overall utilization ration) adds up the limit of cards (add separately) issued on shared basis

 

[R_A_J]

Via sbi sprint on 15th. Got approved instantly. Card dispatch message received today

Great! Congratualtions for successfully winning the "overleveraged" criteria of SBI! 🙂

 

[mailmenow]

I think Yes.....as the total limit in CIBIL (for overall utilization ration) adds up the limit of cards (add separately) issued on shared basis

Great! Congratualtions for successfully winning the "overleveraged" criteria of SBI! 🙂

I am new to sbi cards. May i know what is the over leverage criteria and how does it affect? What is the limit

 

[Hemang]

For over leverage will it count seperate card limit of same bank?

ha bhai meri limit 58 lacs pahuncha rakhi hai, axis bank, icici bank, hdfc bank, sbki double/triple add ho jati hai, jitne cards honge uss bank ke multiplied by shared limit of all those cards. This is wrong way of calculation because one cannot spend more than the shared limit still they are counting them as separate.

 

[Anindya98]

I am new to sbi cards. May i know what is the over leverage criteria and how does it affect? What is the limit

Chill as you got the card no need to worry about over-leverage anymore.

I think Yes.....as the total limit in CIBIL (for overall utilization ration) adds up the limit of cards (add separately) issued on shared basis

Yes, the total limit across all card accounts.

For over leverage will it count seperate card limit of same bank?

Like Axis, they report separately so I have 2.1L but in cibil it will reflect 6.3L(3 Axis cards).
ICICI Gemstone Series cards one account and Apay separately.
IDFC also reports separately.
So, it depends on banks how they report.

 

[Anindya98]

ha bhai meri limit 58 lacs pahuncha rakhi hai, axis bank, icici bank, hdfc bank, sbki double/triple add ho jati hai, jitne cards honge uss bank ke multiplied by shared limit of all those cards. This is wrong way of calculation because one cannot spend more than the shared limit still they are counting them as separate.

I 100% agree with the point. The limit should be separate then. Specially Axis is the most irritating one in my cibil.
ICICI: Gemstone Series(1 account) + Co branded

 

[Piyush Yadav]

Via sbi sprint on 15th. Got approved instantly. Card dispatch message received today

I applied it through CASHKRO...
There limit will be showing of 20,000 only 😔
Also done there video kyc today..
But have confusion that it will approved or not ⁉️
Can you help me with it...
I attach some screenshots here...

 

[Anindya98]

I applied it through CASHKRO...
There limit will be showing of 20,000 only 😔
Also done there video kyc today..
But have confusion that it will approved or not ⁉️
Can you help me with it...
I attach some screenshots here...
View attachment 87103

You have got the approval with a 20K limit.

 

[Credit_Cards]

I applied it through CASHKRO...
There limit will be showing of 20,000 only 😔
Also done there video kyc today..
But have confusion that it will approved or not ⁉️
Can you help me with it...
I attach some screenshots here...
View attachment 87103

Congrats welcome to the Cashback Club

Highly active snapchat user lag rahe ho sir

 

[Piyush Yadav]

Congrats welcome to the Cashback Club

I don't understand what

 

[Credit_Cards]

I don't understand what

its approved for you

 

[Piyush Yadav]

its approved for you

Finally 😊.
But there given limit only 20,000

 

[mailmenow]

I applied it through CASHKRO...
There limit will be showing of 20,000 only 😔
Also done there video kyc today..
But have confusion that it will approved or not ⁉️
Can you help me with it...
I attach some screenshots here...
View attachment 87103

Don't you have sbi savings account??