SBI Card SBI Credit Card Queries

[Keshavgowda]

Hi Team,

I have couple of queries listed below,
I got the SBI BPCL credit card on 4th of this month with 5L limit. Now I want to apply for the best card.
1. Which card among Cashback, Phonepe select black and Flipkart would be best?
2. If one wants to apply for second card, Any cooling period exists as my first one is just a month old?
3. What is the maximum credit limit for the above cards? BPCL card comes with maximum limit of 5L
4. If I want to hold any one card after getting second card, what's the process of closing one?
5. Can I transfer the limit to one card before closing the other one?
6. Is there a way that I can ask for upgrade to any one of above cards?
7. Does SBI fetch the CIBIL report again for the second Application? Do I need to complete the kyc again? What's the process involved?

 

[Anupama_Jha]

Hi Team,

I have couple of queries listed below,
I got the SBI BPCL credit card on 4th of this month with 5L limit. Now I want to apply for the best card.
1. Which card among Cashback, Phonepe select black and Flipkart would be best?

Get Phonepe select black then SBI Cashback or vice versa. Don't apply sbi Flipkart cc, get axis Flipkart

2. If one wants to apply for second card, Any cooling period exists as my first one is just a month old?

3 months atleast.

3. What is the maximum credit limit for the above cards? BPCL card comes with maximum limit of 5L

Doesn't matter. For both cards 1L limit is more than enough. Just get them approved anyhow. Post then, u can transfer limit from existing BPCL card to them. (If sbi allowing it currently)

4. If I want to hold any one card after getting second card, what's the process of closing one?

Don't close, u got good limit with sbi card.

5. Can I transfer the limit to one card before closing the other one?

Yupp

6. Is there a way that I can ask for upgrade to any one of above cards?

Nope, not allowed

7. Does SBI fetch the CIBIL report again for the second Application? Do I need to complete the kyc again? What's the process involved?

Yeah, v-kyc will be done again. CIBIL will be fetched irrespective of card approval or rejection

 

[Keshavgowda]

Thanks bro for clarifying doubts.

 

[Farhad sekh]

Get Phonepe select black then SBI Cashback or vice versa. Don't apply sbi Flipkart cc, get axis Flipkart

3 months atleast.

Doesn't matter. For both cards 1L limit is more than enough. Just get them approved anyhow. Post then, u can transfer limit from existing BPCL card to them. (If sbi allowing it currently)

Don't close, u got good limit with sbi card.

Yupp

Nope, not allowed

Yeah, v-kyc will be done again. CIBIL will be fetched irrespective of card approval or rejection

Sbi flipkart is not a good card ??

 

[Anupama_Jha]

Sbi flipkart is not a good card ??

Same card is available with axis Bank, and can be availed anytime. But u can't get sbi card, once ur profile is over-leveraged.

 

[Keshavgowda]

Get Phonepe select black then SBI Cashback or vice versa. Don't apply sbi Flipkart cc, get axis Flipkart

3 months atleast.

Doesn't matter. For both cards 1L limit is more than enough. Just get them approved anyhow. Post then, u can transfer limit from existing BPCL card to them. (If sbi allowing it currently)

Don't close, u got good limit with sbi card.

Yupp

Nope, not allowed

Yeah, v-kyc will be done again. CIBIL will be fetched irrespective of card approval or rejection

Few more doubts, if I apply for Cashback card after 90 days,
1. Which variant is best? Visa or MasterCard
2. Which variant gets approved easily? Success rate of variants?
3. What's the maximum/ upper credit limit for this card?

 

[Anupama_Jha]

Few more doubts, if I apply for Cashback card after 90 days,
1. Which variant is best? Visa or MasterCard
2. Which variant gets approved easily? Success rate of variants?

No differences as such, get whatever offered.

3. What's the maximum/ upper credit limit for this card?

10L

Though, I highly doubt, u will get call from them for limit splitting from BPCL for cashback card, or else they might just approve with 20k limit

 

[mailmenow]

One benefit that I noticed for Flipkart axis credit card from sbi flipkart credit card: we get both instant discount &5% cashback in Flipkart axis credit card for some products. Even in this sale I got 6k instant discount for vivo fe200 and 5% cashback also. But sbi card won't

 

[b4bhar]

One benefit that I noticed for Flipkart axis credit card from sbi flipkart credit card: we get both instant discount &5% cashback in Flipkart axis credit card for some products. Even in this sale I got 6k instant discount for vivo fe200 and 5% cashback also. But sbi card won't

they gave it early, but later rectified it. Now, even though it says to apply the instant off, when making the payment, it only shows the 5% cashback amount as applicable. So, now you're no longer getting that benefit. Also, the same benefit was available for SBI card as well when it was applicable to Flipkart card. I couldn't personally check as i dont have SBI flipkart card, but it showed the instant discount for that card as well earlier

 

[Anupama_Jha]

they gave it early, but later rectified it. Now, even though it says to apply the instant off, when making the payment, it only shows the 5% cashback amount as applicable. So, now you're no longer getting that benefit. Also, the same benefit was available for SBI card as well when it was applicable to Flipkart card. I couldn't personally check as i dont have SBI flipkart card, but it showed the instant discount for that card as well earlier

Even with this, no one should take SBI Flipkart card, instead get Cashback, Phonepe Rupay Black, and SimplyClick/BPCL/BPCL octane.

Perfect trio

 

[mailmenow]

Still axis flipkart card giving both 5%cashback +10%instant discount for some products

they gave it early, but later rectified it. Now, even though it says to apply the instant off, when making the payment, it only shows the 5% cashback amount as applicable. So, now you're no longer getting that benefit. Also, the same benefit was available for SBI card as well when it was applicable to Flipkart card. I couldn't personally check as i dont have SBI flipkart card, but it showed the instant discount for that card as well earlier

 

[mailmenow]

they gave it early, but later rectified it. Now, even though it says to apply the instant off, when making the payment, it only shows the 5% cashback amount as applicable. So, now you're no longer getting that benefit. Also, the same benefit was available for SBI card as well when it was applicable to Flipkart card. I couldn't personally check as i dont have SBI flipkart card, but it showed the instant discount for that card as well earlier

 

[Anupama_Jha]

View attachment 111626

Correct it's applicable to few products only. But due to quarterly 4k capping, axis cashback is better option

 

[b4bhar]

View attachment 111626

It clearly says only 5% cashback, right?

 

[b4bhar]

c

Still axis flipkart card giving both 5%cashback +10%instant discount for some products

View attachment 111625

could you please share this product link?

 

[mailmenow]

It clearly says only 5% cashback, right?

No like that

 

[b4bhar]

No like that

could you pls share the product link?

 

[mailmenow]

could you pls share the product link?

Take a look at this Phone (3) (White, 256 GB) on Flipkart

https://dl.flipkart.com/s/eAIpFnNNNN

 

[b4bhar]

Take a look at this Phone (3) (White, 256 GB) on Flipkart

https://dl.flipkart.com/s/eAIpFnNNNN

The addition 7k discount is applicable on all cards and even on UPI payments. Axis flipkart isn't offering any additional discount right?