Sbi card service is a zoo.....if they don't want to give u a card they won't give you ...same with kotak ....
I have applied for sbi card over 35 times from 2022...till date rejected everytime....I have tried every permutation and combination....I have applied when didn't had any card and till I have now 20 credit cards ...never approved....same with kotak applied around 10 times..... everytime same response...due to bank internal policy card can't be approved.....now have left applying for both ...