BhaiyaJi
TF Legend
Great combination of SBI card man 🫡
-
Hey there! Welcome to TFC! View fewer ads on the website just by signing up on TF Community.
SBI Card PhonePe SBI Card – CVP new SBI CC launching
Sahil_07
TF Ace
Did they ask for limit split over phone call?
The_One
TF Select
I applied via SBI Sprint. rarely use phonepe app, primary using BHIm for upi earlier.
The_One
TF Select
i pay around 2 electricity bill minimum every month & it goes 3 to alternate month. till now paying it via APAY coupons via EPM. will try this next month onwards.
The_One
TF Select
Thanks man but will switch to SBI octane from SImplysave in future. simply save is my oldest & first credit card 🙂 & its the only one with LTF.
The_One
TF Select
Yes on Tuesday they asked me and by Wednesday my CL was split from cashback
Yes if paid via app
What is your total credit limit reported in the CIBIL?
The_One
TF Select
Let me collect the complete summary.
SBI PhonePe Select Black Application events Timeline:
2nd August: Applied via SBI Sprint & CIBIL hit occurred.
4th August: Someone from SBI called me & confirmed the details then submitted the form from their end then they requested me to esign the form which i did via a link on the message. Again one more CIBIL hit occurred. but application number on form was same as i got during 2nd August.
4th August: Done Video KYC too even though i have 2 SBI credit card already.
5th August: Someone called me & confirmed my application details after which i received a message "we have received your SBI Card application XXXX, mentioning annual fee & time of 11 working days).
12th August: Received a call about how i want to split credit limit from my existing credit card.
15th August: 9 AM, received a message that my card is approved and it was visible on the app right away.
Few thing i noticed:
a) There were 2 CIBIL hit on my CIBIL on 2nd & 4th august, will use card for 1 month then reach out to SBI for removing one enquiry as i had a lot of enquiries on my CIBIL in 2025.
b) The application number was same during the whole process.
c) on 2nd august, message said " your applicated is submitted" while on 5th August message says "we have received your application" so both seems like a genuine stages of application but its very different than my earlier experience.
d) never trust on customer care & application status statement, in between i called SBI CC, one person said. your application is denied & its showing denied in progress. even the SBI IVR says "denied" few times then next day or after 1 hour it says "application in progress"
e) from last 2 month my complete CIBIL credit limit usage is approx 1 to 2 % max
f) i am using some amount on cashback card every month and used simplysave during amazon sale too, twice this year with 1 EMI too on it.
++ I was sure i will be falling into over-leverage but wanted to give it a try, by god grace i got the card 🙂
++ I got EPM in June 2025 along with a 18 lakh personal loan in same month
++ I got DCBM in July 2025.
My current credit card & CL:
Simply save : 1.12 Lakhs
Cashback : 2 Lakhs
Phonepe Card: 2 Lakhs
Axis privilege visa & Atlas: shared 10 lakh limit but it shows 2 different entry in CIBIL
HDFC DCBM & Swiggy card of 5 lakh limit shared among them. HDFC also shows them separate in CIBIL.
ICICI Sapphiro Dual & Rupay, EPM, Amazon Pay with 12.1 lakh limit on every card but CIBIL shows 3 different entry, one for Sapphiro, EPM & Amazon pay.
so if i go by different entries in CIBIL, my cumulative credit limit will be more than 60 lakhs. i do not know what's the condition of over leverage by SBI .
Last edited:
The_One
TF Select
Do not know exactly but based on observation, pasted in above message.
E P M?
The_One
TF Select
Emeralde Private Metal Card by ICICI
Maxsteel
TF Buzz
SBI is afraid of The One.
Update: I tried through Bank Bazaar. After filling all details on Bank Bazaar, it redirected to Sprint for ekyc and Vkyc. No existing sbi cc. After vkyc, it throws this page. Even while checking the status, it shows this page. What will happen next?
Attachments
Ankush32
TF Buzz
You will get a call from an agent in a day or two asking you to upload some documents
Last edited:
Like which documents?
Any benefit , applying from bankbazar ?
In direct application through Sprint, I mistakenly entered wrong PAN. So, I was stuck at 2nd page as it was not allowing to edit. So, I went through 2nd route - Bankbazaar
The_One
TF Select
i am trying to figure out the workaround for overleverage. i think usage of cards consistently can be a factor but not sure until unless someone from SBI tell us about it.
