How to apply for an SBI credit card online
The eligibility of your credit card is determined by a number of factors which can be assessed once you apply for an SBI credit card. Here are some basic requirements that all applicants must meet according to the SBI card website:
- Employee – 21 years of age or over
- Retired in the 40-70 years age group
- Occupation – Employee or self-employed
- Other criteria – Regular source of income, good credit score, etc.
- Self-employed over 25
The following documents are required to apply for an SBI credit card:
- PAN card
- Copy of Aadhaar card (with the first 8 digits hidden) or any valid government address proof
- Other documents like your income documents; A payslip and income tax return, etc. may be required depending on eligibility and credit card policy.
What is the SBI credit card application process?
Step 1: Visit the site https://www.sbicard.com/
Step 2: Select the card from the options
Step 3: Click Apply Now and complete the E-Apply for Online Application form.
Step 4: Enter your personal data and verify your phone number
Step 5: Click âSubmitâ, you will get instant decision on your application based on the information you provided.
If your request is approved, the SBI Card team will contact you for verification. The card is issued to you once the necessary verifications have been carried out.
How do I track the status of a credit card application?
The Track Request widget on the Home page or Apply page, i.e. the online request page (at the bottom of the page) can be used to check the status of your credit card request. SBI credit:
Enter the application number / reference number that was assigned to you when you applied for the card.
To check the status of your SBI card request, click on the âMonitoringâ tab.
Why your credit card application might be rejected
According to SBI Card, the rejection of a credit card application can occur for a variety of reasons, including:
Non-availability of necessary data / documents: If you do not submit the necessary documents
Credit Score Problems: If your credit score is lower, there is less chance that your credit card will be approved. The higher the credit score, the better the chances.
Low Income: If your income is below the bank’s expectations, your credit card may be rejected due to your low income.
Age-Based Eligibility: If you’re under the age of 21, it’s very unlikely that your credit card will be approved.
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