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Why are people tweeting about this instead of shutting up about it?

See here: Master Direction – Credit Card and Debit Card – Issuance and Conduct Directions, 2022 6. (a) iv. ... In case, an unsolicited card is issued/existing card upgraded and activated without the explicit consent of the recipient and the latter is billed for the same, the card-issuer...

I think they know what they are doing. The main appeal of this card is the 5% CB on online txns, not the lounge etc. With a 5% reward rate, I wonder how many people will care about the airport lounge access.

Never trust anything said orally by agents. In my case, I had applied for a card on SBI Sprint. This was my 2nd SBI card, I already had 1 SBI card active. SBI rejected my sprint application. After this, some SBI Card agent actually applied using a paper form pretending to be me - correct...

Exactly, for 'k' spending, cashback is FLOOR(k/100) + FLOOR(4*k/100). It's not floor after addition, but rather addition after floor. (FLOOR = closest smaller integer). So, for 8744 spending, 1% amount is 87.44 which is rounded down to 87. 4% amount is 349.76 which is also rounded down to...

I had applied through SBI Sprint, had physical verification by rep visiting, got rejected. Limit of my existing SBI Card CC was reduced by 10K. I got irritated and complained. Got some vague reply suggesting that they think new limit is appropriate. That did not make sense as I had a good CIBIL...

From point (L) of terms and conditions: https://www.sbicard.com/sbi-card-en/assets/docs/pdf/personal/credit-cards/value-savings/simplyclick/simplyclick-sbi-card-rp-tnc.pdf Hence no 10X ...