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SBI Credit Card Status

Applied for a State Bank of India (SBI) credit card? Eagerly waiting to grab your credit card? Well, given the numerous benefits of the SBI credit card, this is bound to happen. Once approved, the credit card will be delivered to you within 21 working days.

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But in the meantime to know your SBI credit card application status, you can go in for an SBI credit card status check.

The bank has a well-structured mechanism in place that helps its prospective customers to be fully aware of their SBI credit card status right from the time the application is submitted. Just to add convenience, applicants can go in for an SBI credit card application status check online or offline.

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Check SBI Credit Card Status Online

All products and services at SBI are backed by robust technological mechanisms. SBI credit cards are no different. The bank has a comprehensive SBI credit card application status tracking system that can be used once the application has been submitted.

You can check your credit card status through the bank’s official credit card website. In case you are an existing SBI customer and have either a current account or savings account with the bank you can also check your SBI credit card status through YONO mobile banking app.

The SBI credit card status can be checked in two ways:

  • With Application Number
  • Without Application Number

Check SBI Credit Card Status With Application Number

The application number will be issued to you at the time of submitting the credit card application. Use this number to track your SBI credit card status. The steps involved are:

  • Visit the official credit card website of SBI bank www.onlineapply.sbi.co.in or www.sbicard.com
  • Navigate to the ‘Credit Cards’ section
  • Move to the bottom of the page and click on the ‘Track Application’ option
  • Enter the Application Number
  • Click on the ‘Track’ button
  • The status of your SBI credit card application will appear on the screen.

How To Check SBI Credit Card Status Without Application Number:

In case you do not have your SBI credit card application number handy, you can check the application status using your PAN number and date of birth. The steps involved are:

  • Visit the official credit card website of SBI bank www.onlineapply.sbi.co.in or www.sbicard.com
  • Navigate to the ‘Credit Cards’ section
  • Move to the bottom of the page and click on the ‘Track Application’ option
  • Click on the ‘Retrieve Application’ option
  • Enter your name and mobile number as mentioned in the credit card application form
  • Enter your PAN number and Date of Birth and click ‘Retrieve’
  • Your credit card application status will appear on the screen

Also Check: Minimum cibil score for credit card

How to Check SBI Bank Credit Card Status Offline?

In addition to the new evolving online methods of banking, SBI also offers assistance in each domain through offline channels. To check the SBI credit card status offline, the methods available are:

SBI Customer Care:

Simply call the SBI credit card customer care number to know the status of your SBI credit cards. The helpline numbers are:

  • Toll-free: 1860-180-1290
  • Standard charges apply: 39020202 (Prefix your local STD code to reach customer care executive)

Keep the information about your credit card application number and PAN number handy. You will also require information regarding your name, date of birth and mobile number as mentioned in the application form. The customer care executive will update you with the card status after the customer verification process is successful.

Visit Nearest Bank Branch

In case you do not have internet access, you can visit your nearest bank branch to check your SBI credit card application status. Don’t forget to carry your credit card application number and PAN number along.

Through SMS

Once the mobile number mentioned in the credit card application form is registered with SBI, you will receive your Application Reference Number on your mobile number. It will also provide you with a link to track the application status.

  • Click on the link received in the message inbox
  • Enter the OTP received on your registered mobile number
  • Once the mobile number is verified through OTP, you will receive a message about the current status of the SBI credit card application.

Additional Info: Check Sukanya Samriddhi Yojana scheme for your girl child.

What Does My SBI Credit Card Application Status Mean?

Once you’ve managed to successfully track your SBI credit card application status either through online or offline mode, you’ll be updated about the current status of your credit card application. But what exactly does your SBI credit card application status mean? Here’s a quick look to help you understand what your SBI credit card application status indicates:

In-Process: 

The application status which mentions ‘In-Process’ means that your credit card application is still under scrutiny. The bank has neither accepted nor rejected your credit card application. It will take some more time to process it. SBI credit card approval takes 7-15 days.

Approved: 

The application status can be marked as ‘Approved’. This means that your credit card application has been approved but still not dispatched.

Dispatched: 

The credit card application with a ‘Dispatched’ status means that your credit card is on its way! Your credit card has been dispatched to the registered mailing address. It will reach you within 21 days. You will receive an SMS mentioning the expected date of delivery. The credit card will be handed over to the applicant only after validating identity by showing original identity proof.    

On-Hold:

You might also get an ‘on-hold status on your credit card application. This usually means that the document verification has failed or the bank needs a few more documents to validate your application. In this case, the bank representative will get in touch with you to collect the required documents to process the application further.

Declined/Rejected: 

A credit card application that marks a ‘Rejected’ status means that the bank has disapproved your credit card request. This is typical because the eligibility criterion is not fulfilled. You can get in touch with SBI customer care to know the exact reason for ineligibility. You can now re-apply only after 3 months.

No Record Found: 

In case you get a ‘No Record Found’ against your credit card application, it means you’ve started tracking the application a little too soon. Start credit card application tracking at least 3 days after submission of application. Alternatively, the information used to track or retrieve the credit card status is not the same as mentioned in the credit card application. Cross-check the details entered and try again.

Note: know about the SBI Bank Mini Statement Number service.

Benefits of Checking SBI Credit Card Status Online

Applying for an SBI credit card does not guarantee its approval. State Bank of India has stringent norms guiding credit card approvals. If everything is found to be in order, the SBI credit card is approved within 7-15 of submission of application. So, it’s always better to check your credit card application status to be aware of the decision.

 The benefits of checking your SBI credit card status online are:

Quick: It takes less than a minute to check your SBI credit card application status online. One simply has to enter the Application Reference Number to be aware of the current credit card status.

Hassle-free: By checking the SBI credit card status online the need to visit the nearest bank branch or initiate a call with the customer care executive cancels out. Thus it is a hassle-free way to check status instantly.

Anytime, Anywhere Access: There is no need to pre-plan or reschedule priorities. SBI credit card application status can be checked from anywhere, anytime.

Remain Updated: There is no limit to the number of times you can check your SBI credit card status online. Frequent checks thus help you remain updated.

Free of cost: Unlike the offline methods of checking SBI credit card application status wherein travel cost or standard call charges may apply, checking online is absolutely free of cost.

Additional Info: Are you looking for Instant SBI Personal Loan

FAQs

Q1. How long does it take to get an SBI credit card approval?

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Provided all documents are in place, SBI credit cards are approved within 21 days of submitting a credit card application.

Q2. What documents are required for validation checks at the time of delivery of a new credit card?

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The credit card is delivered to the applicant in person. Any one of the following document is to be presented in original for a validation check at the time of credit card delivery:

  • Passport
  • Driving License
  • PAN Card

Q3. How to activate my new SBI credit card?

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Once you have received your SBI credit card, you can activate it by:

  • Visit the official website www.sbicard.com 
  • Login to your account using net banking details
  • Go to the menu section and section and click ‘Card Activation.’
  • Choose the card number you wish to activate.
  • Click Activate

Your new credit card is activated. It can now be used for transactions online and at merchant outlets.

You can also request credit card activation through

  • Write a request @ sbicard.com/email 
  • Call customer care helpline number
  • Login to Chatbot ILA with an online user ID and password details  and submit an activation request
  • Go to the bank’s nearest ATM and follow the instructions mentioned in the Welcome Kit.

Q4. I have a ‘Rejected’ status on my SBI credit card application. What can be the possible reasons?

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If your SBI credit card application status marks a ‘Rejected’ status, this is typically due to eligibility issues. The possible reasons for rejection could be:

  • You are under 18 years of age and therefore not eligible for a credit card.
  • Your minimum monthly income is below the required mandatory limit.
  • Your work experience is less than the required mandatory number of years required.
  • You are an existing SBI customer and have a bad banking history.
  • You have a less than optimum CIBIL score.
  • You have a high debt-income ratio and thus a major part of your monthly income goes into repaying existing loan EMIs.
  • You have applied for multiple credit cards from different service providers at the same time.

Q5. My credit card application was rejected. What should I do next?

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If your credit card application has been rejected by SBI, you can re-apply only after 3 months. But before you re-apply make sure that you have carefully eliminated all the possible discrepancies that led to your credit card rejection.

Q6. What can I expect from my SBI credit card status check?

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SBI credit card status check will provide insight into the current status of your SBI credit card application. The possible outcomes can be:

  • In process
  • Approved
  • Dispatched
  • On-Hold
  • Rejected
  • No Record Found

Q7. My SBI credit card application status shows ‘On-hold’. What does this indicate?

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SBI credit card application which is ‘on-hold’ indicates that the paperwork or documents submitted with the credit card application are still not complete. The bank representative will get in touch with you to complete the formalities required for credit card approval.

Q8. My SBI credit card is dispatched, but I still haven’t received it. What should I do?

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SBI credit card once dispatched will reach you within 21 days. You can track your credit card by the courier/dispatch details mentioned alongside the dispatch status.

Q9 I have an SBI Card and wish to apply for another one. Is it possible?

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If you have a good banking history, you can upgrade your existing SBI credit card or apply for an additional SBI credit card.

To upgrade your existing credit card

  • Login to your personal banking account
  •  In case you are eligible for an upgrade, the ‘Card Upgrade’ link will appear in the menu.
  • Apply for an upgrade.

To apply for a new SBI credit card:

  • Visit the official website
  • Search for credit cards
  • Select the credit card you wish to apply
  • Click on the ‘Apply Now’ button corresponding to the selected credit card
  • Select ‘Yes’ as an option for the ‘Do you have an SBI Card?’ question.
  • Select ‘Yes’ as an option for the ‘Do you have an existing relationship with SBI?’ question.
  • Fill up the remaining form and submit the application.

The Bank representative will get in touch with you to process the application further.

Q10. I have applied for an SBI credit card. How can I check the status online?

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You can check the status of your SBI credit card application both online and offline. You will require the following information to check the SBI credit card application status:

  • Application number
  • PAN number
  • Date of Birth
  • Mobile number and Name as mentioned in the credit card application form

How to check online:

  • Visit the official credit card website of SBI bank
  • Navigate to the ‘Credit Cards’ section
  • Move the ‘Track Application’ option appearing at the bottom of the page
  • Enter the Application Number
  • Click on the ‘Track’ button
  • The status of your SBI credit card application will appear on the screen.

Q11. I do not have the SBI credit card Application Reference Number. How can I check the SBI credit card application status?

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You can check the SBI credit card application status without an Application Reference Number. The steps involved are:

  •  Visit the official credit card website of SBI
  • Navigate to the ‘Credit Cards’ section
  • Move to the ‘Track Application’ option appearing at the bottom of the page
  • Click on the ‘Retrieve Application’ option
  • Enter Name and Mobile Number as mentioned in the credit card application form
  • Submit details
  • Enter your PAN number and Date of Birth and click ‘Retrieve’
  • Your credit card application status will appear on the screen.

Q12. How can I check SBI credit card application status through the customer care helpline?

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To check SBI credit card application status through customer care helpline

Call SBI credit card customer care number

  • Toll-free: 1860-180-1290
  • Standard charges apply: 39020202 (Prefix local STD code)

Customer care executive after customer verification will help you with your credit card status. Keep Application Reference number, PAN number, your name, date of birth and mobile number as mentioned in the application form handy.