AI SummaryState Bank of India offers a wide range of credit cards to meet the financial needs of customers. Any person can now apply online for an SBI Credit Card at sbicard.com. The eligibility for an SBI Credit Card depends on several factors that are checked once you apply for a State Bank of India Credit Card. This article explains the complete SBI Credit Card apply online process, eligibility, documents and application status tracking.
SBI Card is one of the leading credit card issuers in the country and offers more than 65 credit cards across different categories. You can apply for a card online in a few simple steps and get an instant decision on your application. The card is issued after the required verification is completed.
SBI Credit Card Apply Online Process
STEP 1 - Visit the official website at https://www.sbicard.com/ and go to the Credit Cards page.
STEP 2 - Choose the card that fits your needs from the available options.
STEP 3 - Click on Apply Now and fill in the E-Apply form, which is the online application form.
STEP 4 - Enter your personal details and verify your phone number.
STEP 5 - Click Submit and you will get an instant decision on your application based on the information you have provided.
If your application is approved, the SBI Card team will contact you for verification. The card is issued to you after the required verification is completed. You can also apply for an SBI Card directly from the E-Apply page on the website.
Who can Make Online Registration for SBI Credit Card
Here are some basic requirements that all applicants must meet according to the SBI Card website:
- Salaried individual - 21 years or above
- Retired pensioner within the age group of 40-70 years
- Occupation - Salaried or Self-Employed
- Other Criteria - Regular source of Income, Good credit score, etc.
- Self-Employed individuals above the age group of 25 years
| Detail | Information |
|---|---|
| Scheme Name | SBI Credit Card |
| Launched By | State Bank of India (SBI Card) |
| Beneficiaries | Salaried, self-employed and retired individuals |
| Minimum Age | 21 years (salaried), 25 years (self-employed) |
| Application Mode | Online at sbicard.com |
| Official Website | sbicard.com |
List of Documents Required for SBI Credit Card
The following documents are required to apply for an SBI Credit Card:
- PAN Card
- Copy of Aadhaar Card (with first 8 digits masked) or any valid government address proof
- Other documents like your income documents; Salary Slip and Income tax return etc. may be required depending upon the credit card eligibility and policy.
How to Track SBI Credit Card Application Status
The Track Application widget on the Home page or the E-Apply page, i.e. Online Application page (at the bottom of the page) can be used to check the status of your SBI Credit Card application. For this purpose, you can follow the below given steps:-
- Enter the application number or reference number that you were given when you applied for a card.
- To check the status of your SBI Card application, click the "Track" tab.
The overall turnaround time for the application process is 21 days, starting from the date of submission of the application and receipt of all required documents. SBI Card also sends an SMS on your registered mobile number with a link to generate your E-card, so you can view your card details digitally even before the physical card reaches you.
Reasons for Rejection of SBI Credit Card Application
According to SBI Card, rejection of a credit card application can occur for a variety of reasons, including:
- Non-availability of required data or documents: If you fail to submit the required documents.
- Credit Score Issues: If your credit score is low, there are fewer chances that your credit card will be approved. Higher the credit score, better the chances.
- Low-income: If your income is lower than bank expectations, there are chances that your credit card could be rejected due to your low income.
- Eligibility based on age: If you are below the age of 21, then it is highly unlikely that your credit card will be approved.
FAQ's
What is Credit Card
A credit card is an instrument that allows you to make instant purchases for various goods and services, for which you can pay later. Every credit card account is assigned a credit limit and you can use the card till the assigned limit. Once you make the payment at the end of the pre-specified credit period, your credit limit is restored. Unlike a debit card which is linked directly to your bank account, a credit card offers the flexibility to make transactions independent of the balance available in your bank account.
What are SBI Credit Card Benefits
SBI Card provides a host of benefits. Some of them are contactless transactions, reward points, exclusive cashbacks and discounts, add-on card, pay in EMIs and cash withdrawal from ATMs.
What are the current offers available on SBI Credit Cards
You can enjoy exclusive offers and cashbacks on various merchants and partners across travel, shopping, dining and other categories. The offers are launched regularly with a limited period validity. To know more about the current offers, click here.
What are the types of SBI Credit Cards
Lifestyle Cards, Reward Cards, Shopping Cards, Travel and Fuel Cards, Banking Partnership Cards and Business Cards. To explore these SBI Credit Cards, click here.
How to apply online for an SBI credit card
Once you have selected the SBI Card that is best suited to your needs, all you need to do is fill up the online application form and submit the required documents. To apply now, click here.
Does SBI Credit Card support International Transactions
Yes, you can use your SBI Credit Card to carry out contactless, online as well as Point of Sales (POS) international transactions. SBI Card also provides the flexibility of activating or de-activating the international usage as per your convenience. You can also set the transaction limits for these transactions.
For more details on SBI Credit Cards, you can visit the official website at https://www.sbicard.com/