Check SBI credit card actual rejection reason

[ontherocks]

If you got a nonsensical or vague reason for SBI credit card rejection like for e.g. "due to internal policy", etc., you can check the real reason via an SBI credit card executive. These people roam around SBI branches, malls, airports, petrol pumps, etc.
They have a mobile app called PowerPlay. The app is not available for end users.
After opening the PowerPlay app, there are forms to apply for different SBI credit cards. Select a random credit card to apply. In the application form there is a text box to enter PAN number and a button below it that says "PAN Dedupe". Enter the PAN number and click the button "PAN Dedupe". No other details need to entered. There is no CIBIL hit. You will get details of all SBI credit cards applied against that PAN number with the details of rejection/selection under "Status" and "Reason Code".
The code can looked up further in the attached PowerPoint slides which has some common rejection codes. The slides mention ways to fix the issues and the cooling period.
There is one more attachment with all the rejection codes for reference. But its of no use as it doesn't mention the corrective measures.

 

[ontherocks]

I held 6 card with Limit of ~23l. My application was rejected at least 3 times. Then I applied using my secondary mobile number and it got approved. Also I had sent mail to PNO asking for valid reason for rejection instead of internal policy. When I applied with different number, I got call from them to submit my payslips and bank statement over official email ID and went smooth. Only after 90 days, I was able to update mobile number.
I had Simply Save card also for long time. The conversion of this to BPCL card was initially rejected, then upon writing to PNO they took few weeks and converted it to BPCL RuPay.

Input for eligibility validation is PAN, not phone number. Your case is surprising.