SBI Credit Card Application - What are chances of approval ? Update 19-11-25 (Rejected)

[Iknowthisshitt]

UPDATE 13/NOV/2025 :-

App submitted, perfios statement upload, bank statement access to SBI, E sign same day (by agent )

UPDATE 15/NOV/2025 :-

Verification Call from 1600

UPDATE 16/NOV/2025 :-

tentative limit on whatsapp

UPDATE 16/NOV/2025 :-

"We have received your SBI Card Application. Pls give us 11 working days to process your App.No. xxxx. The ANNUAL fee on PhonePe SBI Select RuPay is INR1499. You can track your application status online at www.sbicard.com"

UPDATE 19/NOV/2025 ( final update - rejected )

in person Home & office verification ( work from home )

Hi, please be informed that we are unable to issue a credit card to you, as the details furnished by you do not meet the policies set forth for issuance of an SBI Credit Card.

 

[RAMESH BABU N]

You are getting the card. Congrats.

 

[aishwarya]

View attachment 114517

-Agent fill my form with consent code and vkyc
-verification call done
-e-sign done,
-and yesterday I got the first call from a 1600-series number
-today got this message

what should I expect next? abd approval chances?

As far as I can remember, you'll get another verification call. Your application just got submitted, it totally depends on your profile like income details, credit report etc. best of luck, let us know what happens.

 

[Iknowthisshitt]

You are getting the card. Congrats.

one more sms. "We have received your SBI Card Application. Pls give us 11 working days to process your App.No. xxxx. The ANNUAL fee on PhonePe SBI Select RuPay is INR1499. You can track your application status online at www.sbicard.com"

 

[Sree CC]

Almost there !!!

 

[CardMintz]

99% Approval 🤞

 

[Moulidharan]

View attachment 114517

-Agent fill my form with consent code and vkyc
-verification call done
-e-sign done,
-and yesterday I got the first call from a 1600-series number
-today got this message

what should I expect next? abd approval chances?

It depends bro,...for me always got this message and declined stating that no nameboard found for my mom's application,my dad's application

 

[Iknowthisshitt]

@Tejo sorry if this is not right way to ask question

 

[Tejo]

@Tejo sorry if this is not right way to ask question

You got level 1 system approval, just ans verification call.

Best of luck!

 

[Iknowthisshitt]

You got level 1 system approval, just ans verification call.

Best of luck!

rejected after office verification ( work from home )

 

[mailmenow]

You are getting the card. Congrats.

How ?? As he said It's already rejected sir

 

[RAMESH BABU N]

Is it because of WFH status ? Office n home verification is a must - like AU, BOB n a few others.

 

[Iknowthisshitt]

Is it because of WFH status ? Office n home verification is a must - like AU, BOB n a few others.

No exact reason but rejected after home / office verification

 

[RAMESH BABU N]

No exact reason but rejected after home / office verification

The verification guy/s called you before they came to your office and your home address ? You met them ?

 

[Iknowthisshitt]

The verification guy/s called you before they came to your office and your home address ? You met them ?

No, I'm self employed freelancer my address fall in blacklisted pincode so used uncle's address agent met him. But card i applied was phone pe black which comes in elite category so may be not for everyone..

 

[mailmenow]

No, I'm self employed freelancer my address fall in blacklisted pincode so used uncle's address agent met him. But card i applied was phone pe black which comes in elite category so may be not for everyone..

May I know how you understand the pincode came under blacklist?? What's the reason for blacklisted

 

[Iknowthisshitt]

May I know how you understand the pincode came under blacklist?? What's the reason for blacklisted

Agent who applied my last application

 

[Iknowthisshitt]

Is it because of WFH status ? Office n home verification is a must - like AU, BOB n a few others.

CPV red flag

 

[RAMESH BABU N]

CPV red flag

CPV = Contact Point Verification

That is Home and/or Office address verification failed. They could NOT find you in the given address(es).

 

[souvikm]

I

CPV red flag

I just got rejected for the same condition too, after home verification. Try mailing the nodal officer, that is what I am doing.
I have WFH, the agent came for verification twice, once for home address and again for work address.