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SBI Card PhonePe SBI Card – CVP new SBI CC launching

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Abhishek012 said:
Ya, dnt know when GPay will allow RuPay cards, Last year, just saw the demo.

By the way, so what if you have the Tata Neu Infinity? You could also think of it this way — I already have one Visa card, now I'll take only RuPay cards. One Visa card is enough. 😀😀


I don’t think you’ll get 5% cashback everywhere with the SBI PhonePe Card like you do with the SBI Cashback Card. Some MCC code categories are also excluded.

You’ll get 5% cashback on buying Amazon gift cards from Amazon, but it may be excluded on other websites.
Click to expand...
www.phonepe.com

PhonePe SBI Credit Cards -SELECT BLACK & PURPLE | Rewards, Lounge Access & More

Apply for PhonePe SBI Credit Cards - Enjoy up to amazing reward points, best discounts, fuel surcharge waiver & travel vouchers. Easy online KYC.
www.phonepe.com www.phonepe.com

Visit above link, there are merchant logos animation visible here like Amazon, Flipkart, zomato etc.. I think they are confirmed others need to see
 
1 10% cashback is split between the convenience fees which is fixed charge on the bill and the rest percentage cashback is given I think in the SBI card app or on request in statement
 
Abhishek012 said:
Ya, dnt know when GPay will allow RuPay cards, Last year, just saw the demo.

By the way, so what if you have the Tata Neu Infinity? You could also think of it this way — I already have one Visa card, now I'll take only RuPay cards. One Visa card is enough. 😀😀


I don’t think you’ll get 5% cashback everywhere with the SBI PhonePe Card like you do with the SBI Cashback Card. Some MCC code categories are also excluded.

You’ll get 5% cashback on buying Amazon gift cards from Amazon, but it may be excluded on other websites.
Click to expand...
No gift card website exclusions also
 
I recently applied for this credit card through Sprint and made two mistakes during the process:
  1. Initially, a popup showed that I had some pre-approved card options. Unfortunately, I accidentally closed the popup before viewing them, and now I can't seem to access those options again.
  2. While filling out the application, I mistakenly entered my home address instead of my office address (they're in different cities).
Now, the application has gone through, my CIBIL has been hit, and they’re asking me to complete the video KYC.

I’m currently in my office city, not at my permanent (home) address.
My questions are:
  • Should I go ahead with the video KYC, or is there a way to correct the address or revisit the pre-approved options?
  • Will they verify the address during the video KYC process?
 
pranavcool said:
See mcc exclusions list
Click to expand...
Exclusions
Category Merchant Category Code
Any purchases at petrol pumps/service stations 5172, 5541, 5542, 5983
E wallet loading 6540, 6541
Payments towards Rent/property management 6513
School & Educational Services 8211, 8241, 8244, 8249, 8299
Governmental Spends 9311, 9399
Digital Gaming Platform / merchants 5816, 7993, 7994
Financial charges (e.g., late payment fee, dishonored
cheque charges, service fee, transaction charges etc.) -
Disputed transactions -
Encash -
ATM Withdrawals -
Flexipay Transactions -
Merchant EMI i.e. EMI’s availed at the time of
purchase at Merchant establishment or websites -

Found this in TnC PDF, dont see Gift Voucher in text, is one of the MCC used for GVs?
 
Strange said:
Compare it with your annual income. I think you are not over leveraged.
Click to expand...
Do they check only credit card limits or loans also for over leveraged?
I have just purchased a house, so taken a big amount of loan for that. If they are counting it, I am obviously over leveraged.

Another question I have is about shared limits like I have multiple credit cards from Axis and HDFC with shared limits but in CIBIL they show different accounts with the full limit for each account. So how does this get counted in the total limit?
 
Apply For LTF Scepia Credit Card
nayra said:
Exclusions
Category Merchant Category Code
Any purchases at petrol pumps/service stations 5172, 5541, 5542, 5983
E wallet loading 6540, 6541
Payments towards Rent/property management 6513
School & Educational Services 8211, 8241, 8244, 8249, 8299
Governmental Spends 9311, 9399
Digital Gaming Platform / merchants 5816, 7993, 7994
Financial charges (e.g., late payment fee, dishonored
cheque charges, service fee, transaction charges etc.) -
Disputed transactions -
Encash -
ATM Withdrawals -
Flexipay Transactions -
Merchant EMI i.e. EMI’s availed at the time of
purchase at Merchant establishment or websites -

Found this in TnC PDF, dont see Gift Voucher in text, is one of the MCC used for GVs?
Click to expand...


Formatted with Cat GPT for readability

Exclusions​

CategoryMerchant Category Code
Any purchases at petrol pumps/service stations5172, 5541, 5542, 5983
E-wallet loading6540, 6541
Payments towards Rent/property management6513
School & Educational Services8211, 8241, 8244, 8249, 8299
Governmental Spends9311, 9399
Digital Gaming Platform / merchants5816, 7993, 7994
Financial charges (e.g., late payment fee, dishonored cheque charges, service fee, transaction charges etc.)-
Disputed transactions-
Encash-
ATM Withdrawals-
Flexipay Transactions-
Merchant EMI i.e. EMI’s availed at the time of purchase at Merchant establishment or websites-
 
Abhishek012 said:
Apply from SBI website na.
Click to expand...
Bhai I have no hope means --> saale 3 baar se cashback card reject kardiye.

The waiting period will be over on 2nd August. --> I am sure again they will decline for this card.
I tried with my wife number as well --> Declined (She is not having any SBI card yet).

So hope left with HDFC.
 
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