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Unexpected approval of SBI Cashback Card.

doomlord

TF Premier
I applied for this credit card on 15th December 2023 via CashKaro, attracted by their ₹1800 offer. On Sprint, they promptly requested basic information and Aadhar authentication. Within 2-3 days, I received a call regarding an address format change. The agent informed me that the address format was incorrect and sent me a link to update both my office and home addresses, providing guidance on how to do so.

After 1-2 days, I received the KYC link and booked a slot. It was a VKYC process, which again experienced a delay of 2-3 days. Following that, I did not receive any further communication. I messaged the agent who had initially contacted me, as he had mentioned I could reach out in case of any issues. Despite sending multiple messages, he assured me he would look into it but did not take any action.

I also informed my friend at SBI Cards, who said he would investigate and later informed me to wait for 21 days. I then reached out to SBI Cards and the nodal officer, both of whom advised me to wait for the same duration. After the 21 days had passed without any updates, I sent another email to the SBI card team, this time expressing my frustration.

Around the same time, my friend at SBI Cards informed me that my application had been escalated. Just on 6-2-24, I received an email requesting verification of my company mail. Prior to that, I had received a call from SBI Cards for verification of my office and home addresses. The representative assured me that my card would be dispatched within 3-4 days.

Initially skeptical, I asked if my application had been approved or if there were any further steps required. She clarified that this was solely for address verification and assured me that I would receive confirmation soon. Today, I finally received the confirmation that the card is ready to be activated online, with the physical card to follow in a few days.

Sorry for the lengthy post 😂. I had actually stopped caring about this application, but as they say, miracles do happen 🤣.
It took me approx 2 months to get a Card from SBI.
 
I've been trying get this card for my wife but getting rejected every time, latest being 2 months back.
Now, out of the blue, SBI mailed that they can offer secured card with 2 conditions

1. Have an SBI Account
2. Have a Term Deposit against which the card will be issued.

Anyone took this option ?
 
My case is somewhat different.

Yesterday, I saw the same offer of 1800 on cashkaro. I am already an sbi card holder. According to tnc, I am not eligible. But few members here got offer money even after holding an sbi card.

I took the chance and enabled rewards, clicked on link. It redirected to sprint app. Asked me a few details, did my digital aadhar verification, asked me to upload a selfie, penny drop of Rs.1 from sbi bank. That's it.

Got approval message today afternoon. I am still speechless.
Got cashkaro rewards?
 
I applied for 3 cards from Cashkaro in December. None was approved. Wasted 3 CIBIL hits

Scapia - Applied and no progress, no information on application status. Called customer care they told me I am not eldgible and they refused to give reason. I had held back from applying any credit cards in last 6 months just for this card.

AU LIT - Physcial verification done both in office and at work. Office email id verfiied. Got email from Cashkaro yesterday saying the pincode is not servicable.

SCB Smart credit card - I did not get VKYC link at all and CC team kept pestering me to do VKYC. Got atleast 15 to 20 calls saying they sent me the link. Finally they told me to apply fresh and they will process and askedme not to use Cashkaro link and there was tecnical error.

I wanted to try one last time with Cashkaro in Feb and applied for SBI BPCL Octane card. It was approved in 2 days.
 
I applied for 3 cards from Cashkaro in December. None was approved. Wasted 3 CIBIL hits

Scapia - Applied and no progress, no information on application status. Called customer care they told me I am not eldgible and they refused to give reason. I had held back from applying any credit cards in last 6 months just for this card.

AU LIT - Physcial verification done both in office and at work. Office email id verfiied. Got email from Cashkaro yesterday saying the pincode is not servicable.

SCB Smart credit card - I did not get VKYC link at all and CC team kept pestering me to do VKYC. Got atleast 15 to 20 calls saying they sent me the link. Finally they told me to apply fresh and they will process and askedme not to use Cashkaro link and there was tecnical error.

I wanted to try one last time with Cashkaro in Feb and applied for SBI BPCL Octane card. It was approved in 2 days.
Yes, sometimes cashkaro has less consideration but there are other factors too.
 
Yes, sometimes cashkaro has less consideration but there are other factors too.
I am not sure what other consideration would affect my application.
I got a CIBIl score of 797 even after the wasted Cibil hits. I have preimum card like Infinia, Axis Reserve, etc. I was looking for card for govt spends and fuel. Also I was looking for AU back card for offers.
 
have preimum card like Infinia, Axis Reserve, etc. I was looking for card for govt
That doesn't matter in SBI cards specifically.

Theirs system will reject automatically before it reaches to credit manager for approval.

Being high credit limits is risky profile for them.

For other banks, there might be other things being considered.
 
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