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.

 

[Boy 07]

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.

If area is not serviceable by cash back and want to give my company area pin code which is serviceable so card may approve or not ??

 

[helloworld]

If area is not serviceable by cash back and want to give my company area pin code which is serviceable so card may approve or not ??

yes, providing all other like cibil, verifiability etc. proper. as long as u have one address that is serviceable by that bank.

 

[Boy 07]

yes, providing all other like cibil, verifiability etc. proper. as long as u have one address that is serviceable by that bank.

I was Overlevaged before three months for simply click by agent offline with marger limits 14L
Is there any chance for Cash back online ???

 

[rahulj87]

I applied for cashback card via cashkaro. Application was submitted on May 22. During application they didn't conduct any kyc. Only application number was generated.

Next day they called me and send me a kyc link, using that link kyc was completed by using digilocker and aadhaar number. Got a call same day later on and details were verified again and video kyc was done. CIBIL hit was made.

On May 23 evening again received a call for verification. On May 24 morning received sms and email that my application was approved and card will be delivered in 7 days and virtual card was generated using sms link provided.

My relationship with sbi is a Savings account. I thought my application will be rejected as I read many threads about over leverage issue as my credit limit in CIBIL is over 22 lacs. I was actually surprised that my application was approved and limit received is also good at 1,80,000.

 

[Hemang]

I applied for cashback card via cashkaro. Application was submitted on May 22. During application they didn't conduct any kyc. Only application number was generated.

Next day they called me and send me a kyc link, using that link kyc was completed by using digilocker and aadhaar number. Got a call same day later on and details were verified again and video kyc was done. CIBIL hit was made.

On May 23 evening again received a call for verification. On May 24 morning received sms and email that my application was approved and card will be delivered in 7 days and virtual card was generated using sms link provided.

My relationship with sbi is a Savings account. I thought my application will be rejected as I read many threads about over leverage issue as my credit limit in CIBIL is over 22 lacs. I was actually surprised that my application was approved and limit received is also good at 1,80,000.

Kyu najar laga raha hai bhai. Aise baatein batane ki nahi hoti hai. Ab mil gaya hai enjoy while the party lasts.

 

[helloworld]

I was Overlevaged before three months for simply click by agent offline with marger limits 14L
Is there any chance for Cash back online ???

over leveraged is delicate topic.. when viewed in cibil reports each card count as separate limit which in reality not..

sbi is conservative bank, either can provide card with very very low limit or decline .

 

[Boy 07]

over leveraged is delicate topic.. when viewed in cibil reports each card count as separate limit which in reality not..

sbi is conservative bank, either can provide card with very very low limit or decline .

IF sbi provides me low limit card its enough for me but sbi declining my card last two years in overleaged i reduced limit 22L to 14 L of all my existing cards