User Experience: SBI Credit Card Application Process Using Sprint Website

[helloworld]

The following outlines the application process through SBICards Sprint, based on a sample user's experience. Please note that individual experiences may vary.

1. Application Submission:
   • The user applied for a credit card through the SBICards Sprint platform.
   • The application ended with the message: "Need more information."
     
2. CIBIL Enquiry:
   • A CIBIL enquiry was observed shortly after application submission.
     
3. Additional Information Submission:
   • The user faced issues submitting additional information due to a bug related to office and income details.
     
4. Verification Call:
   • An agent contacted the user and scheduled a biometric verification through Aadhar with a field executive sent by SBI.
     
5. Application Status:
   • The application status remained pending for some time.
     
6. Reapplication Process:
   • The user received another call from a different agent, who requested to dictate all details to create a new application using the same application number and request an APPCODE.
   • The APPCODE was confirmed, and the application was submitted successfully.
     
7. Second CIBIL Enquiry:
   • Another CIBIL enquiry was initiated during this process.
     
8. Verification In Progress:
   • The status changed to "Verification In Progress," with the user receiving notifications such as "11 days waiting" and "re-attempt to verify details."
   • The user received daily messages stating "we tried to reach you, re-attempt to verify details," sometimes accompanied by calls.
     
9. Final Verification Call:
   • The user received a verification call to confirm a few details from the application.
     
10. Application Approval:
    • The user received an approval message, which included only the last four digits of the credit card (no virtual card option provided).
      
11. Card Protection Offer:
    • Another call was received regarding card protection, but the user declined the offer.
      
12. Card Delivery:
    • Finally, the user received courier information and obtained the physical credit card.

Do share your experience and help others. TIA!​

 

[imdjay]

I applied online last month.
The card was not approved instantly. I was facing issues with DigiLocker authentication and other steps.
An agent from Kolkata called me a day later and he helped me do the ekyc with another field agent.
There was no separate Cibil hit.
After that I got a call from the Kolkata office for the phone verification then after 2 days got a call again from their Delhi office and they did the phone verification from their side.
After 2 days, I got an SMS stating my card is approved with xxxxx limit and will be dispatched soon.

 

[helloworld]

Experience of existing SBICard holder when applied another card ("Cashback")​

Application Process:

• Nov 17: Applied through Sprint (submitted income docs).
• CIBIL alert for new enquiry.
• Received two verification calls (so much for digital application, have to dictate every field again and again).
• Home verification done (not sure why?).
• WhatsApp update promised card approval status in 5 working days with tentative limit.

Delays & Issues:

• No updates after 5 days. Emailed support, got: “Wait for 21 working days.”
• Another call came (language barrier); requested a callback—none happened.
• Sent emails asking if anything was pending. Same response: “Nothing pending, wait for 21 working days.”
• After 21 days: Sent email about status. Response: "Application declined—internal reasons.”

Follow-Up Attempts:

• Asked for a specific reason as per RBI guidelines.
• Received a call: “Declined due to contactability.”
• Highlighted multiple emails and follow-ups proving availability. Requested reconsideration.

Meanwhile:

• Received mails about FYF BPCL Octane Rupay Card (as additional card).
• Questioned through mail that "how this was approved while Cashback (₹1,000) was declined?".
• Got distorted/no-speech calls, possibly to justify “contactability” claims. Enabled call recording during this time.

January Updates:

• Jan 12: Call to split existing SimplyClick limit 50-50 with Cashback card. Now neither can handle big purchases (at the beginning its separate limit, now shared limit).
• Jan 14: CIBIL alert for a new enquiry. Email: Application “restarted.”
• Today: Card approved, visible in net banking, delivery in 7 days.

Final Thoughts:

• Long, frustrating 2-month process with vague excuses and poor communication.
• “Contactability” feels like a baseless reason.

Advice:
If applying, document every step and expect delays.

 

[BeingIncogBeingIncog is verified member.]

I applied sbi cb card via cashkaro last year 12th Jan 12:30AM, approved within minutes. Penny drop verification. It was friday. Got card in hand on next monday. 1 of the quickest card approval for me.

 

[helloworld]

I applied sbi cb card via cashkaro last year 12th Jan 12:30AM, approved within minutes. Penny drop verification. It was friday. Got card in hand on next monday. 1 of the quickest card approval for me.

Yes, it happens to some, but there are people on other side of coin, so this experience is for them. Hope it helps!

 

[panu24]

Experience of existing SBICard holder when applied another card ("Cashback")​

Application Process:

• Nov 17: Applied through Sprint (submitted income docs).
• Received two verification calls (so much for digital application, have to dictate every field again and again).
• Home verification done (not sure why?).
• WhatsApp update promised card approval status in 5 working days with tentative limit.

Delays & Issues:

• No updates after 5 days. Emailed support, got: “Wait for 21 working days.”
• Another call came (language barrier); requested a callback—none happened.
• Sent emails asking if anything was pending. Same response: “Nothing pending, wait for 21 working days.”
• After 21 days: Sent email about status. Response: "Application declined—internal reasons.”

Follow-Up Attempts:

• Asked for a specific reason as per RBI guidelines.
• Received a call: “Declined due to contactability.”
• Highlighted multiple emails and follow-ups proving availability. Requested reconsideration.

Meanwhile:

• Received mails about FYF BPCL Octane Rupay Card (as additional card).
• Questioned through mail that "how this was approved while Cashback (₹1,000) was declined?".
• Got distorted/no-speech calls, possibly to justify “contactability” claims. Enabled call recording during this time.

January Updates:

• Jan 12: Call to split existing SimplyClick limit 50-50 with Cashback card. Now neither can handle big purchases (at the beginning its separate limit, now shared limit).
• Jan 14: CIBIL alert for a new inquiry. Email: Application “restarted.”
• Today: Card approved, visible in net banking, delivery in 7 days.

Final Thoughts:

• Long, frustrating 2-month process with vague excuses and poor communication.
• “Contactability” feels like a baseless reason.

Advice:
If applying, document every step and expect delays.

So was there only one cibil hit or 2 cibil hit (another hit happened when application restarted?)

 

[helloworld]

So was there only one cibil hit or 2 cibil hit (another hit happened when application restarted?)

2 in 2 months.