Just wanted to share this , I applied for sbi credit card multiple times ,and gave all the required documents and proofs , I don't have any credit card , so wanted to get one for cashback, however ...

Welcome to Software Engineers's Private Community

Just wanted to share this , I applied for sbi credit card multiple times ,and gave all the required documents and proofs , I don't have any credit card , so wanted to get one for cashback, however every single time after waiting so  long ,my application gets declined, i am totally pissed off now, I have my main account too in sbi , what is bothering me the most is that I waste so much of my time and efforts every time just to end up with your application is declined ,does anyone have idea on this, and where to complaint about it , because I am not longer interested in any credit card from sbi ...

Hi folks

Software Engineer

Hi folks- Grapevine

Welcome to Personal Finance's Private Community

So I was told by the SBI rep that helped me through the process that my card was approved and I even e-signed the final docs and mentioned what address the card needs to be delivered to. 

However now I hear that the card has a “Return to Bank” status and the application is denied due to internal policy criteria. The IVR (automated call) says that it’s not due to credit standing. 

Anyone ever faced this?

SBI Cashback credit card

Welcome to Fintech India's Private Community

So i applied for sbi credit card (simply save) jus to get aamazon gf. But the process of verification is like pathetic. While there a agent who is gudibg me on call where to click button then vkyc happende post that she is one by one taking details of my address parents detail like it irritated me. though it irritated me.

I have done this very deligently after validating the url is genuine sbicard only. 

Post that call i got call next day asking please let me know for address verification a guy came to my address i mean what the hell is this.

He dont belive on aadhar card details or communication address.

Does this sound fishy too you or its sbi so they are like this only?

Sbi credit card / worst functioning

Axis Bank called me to offer their credit card ( still receive the calls) but they rejected the application.
Has anyone else also faced the same issue?

Is there anything which can be done?

Axis credit card

Welcome to News Discussion's Private Community

HDFC, SBI, ICICI clearly the strongest. Startup credit companies usually work with Federal Bank, but they seem to be missing from this list, that's a bit weird? 

Can somebody from the fintech domain help me understand?

Credit card spends market share by bank. Why is there no Federal Bank here?

Operations Manager

I applied for two credit cards in the past month.
Amex Platinum Travel & AU Ixigo.
Amex was approved very fast and I even got the card very soon. On the other hand, AU Ixigo application got declined 💀💀
Any idea as to what extra checks or criteria these guys have? 
My cibil score is very good, have HDFC, ICICI and OneCard cc’s, pretty decent net salary as well.

On another note: Please suggest a cc with 0% forex fee and lounge access…. That was my main reason to apply for the au ixigo card in the first place xD

AU Ixigo

Has anyone got this?

Every time I apply they say some error or not eligible. Dumb mfs don't give any details and can't contact them.

I have many other CCs and a good score.

IDFC first credit card

Product Marketing Manager

I have avoided SBI always in the past. Even few days back, someone here on GV bashed SBI when he had to wait 3hr for account opening. But the prospect of being defrauded and shortchanged for loans, with random charges added and preclosure being a pain, I am dreading to interact with Private banks and NBFC's.

I haven't had the experience of servicing home loans/personal loans with HDFCs or other banks yet. But I was planning on getting a personal loan this month and HDFC is offering very competitive rate of 11%.

Do you guys have any reviews on their service whenever you have needed something adhoc?

Deposits and Credit cards from HDFC, but borrow only from SBI

Investment Manager

Ive been trying to get a credit card from past few weeks, applied for 5+ banks getting rejecting everywhere. I've submitted my payslip also, still got rejection. Pls suggest a bank/way to get a decent credit card

How to get Credit Card without credit history

How to get AXIS Magnus ?

Hello All , 

I went on an international vacation and someone stole my credit card and did 2.5 L in INR worth of transactions . 

While I was checking in the hotel I received a mail and sms for 2 transactions which makes it 2.5L INR and 5 declined transactions of 4.8 L as the card declined the limit . I blocked the card  & approached the bank to raise a dispute.

I had reported this to my bank in under 4-5 hours of it happening I was told by the phone banking team that the  TAT is 90 days and I will get a temporary limit till the case is solved .
Simultaneously, I had reported the stolen of card and got a physical complaint to present it to the bank. 

Within 24 hours I received a mail from the bank that I have shared my pin and the person has used the card and also told me to make the payment to avoid the further charges.

The card was tap & pay mode where you don’t require a pin. Hence , the transaction went through. 

PS - I did take travel insurance and have spoken to them also but I am not sure whether it will work or not as the representative said we will look into and revert. 


I wrote a mail to RBI to help me in this matter , can someone suggest me what else can be done ? It is causing me unnecessary stress now.  What happens in the scenarios like this ?

CC stolen and transactions worth 2.5L done on it

Business Development

Welcome to Product Managers's Private Community

First post :)

Basically I want to figure out the best way to market a debit card for international spends.

We're offering zero forex, unlike literally anyone else. Just need to make more people aware of this offering since it's a big selling point. 

What is your experience with DCs from an international spends POV? What can be done better there? Any hacks to get people talking about it? 

Open to ideas/thoughts/criticism/feedback!

How to differentiate a 0 forex debit card??

Product Owner

So this new company claims to give you cashback on travel and other expenses, but I'm reading reviews on Google Play Store and a lot of people are complaining that they've gotten rejected despite having a great cibil score, and that this is basically another data hoarding app. Anyone here got in?

Scapia Card

Category manager

I am looking for a credit card which is offering good online transactions cashback plus travel lounge access (domestic will do). If any lifetime free under this category then great else what community here suggests?

Which credit card one would suggest for online cashback plus domestic lounge access

Consultant

Which is the best credit card if your spending is 40k/pm  for the benefits and rewards?

Which is the best credit card if your spending is 40k/pm

I wanted to know which Bank will be the best to open a savings account as a college student because in that account I'll be depositing my stipends only so maybe the ones with good interest rates will be better. 
Or
Any investment advice will also work.

Thanks😀

Hi folks

Discover More

Personal Finance on

by Kendall Carmden

Stealth

SBI Cashback credit card

Fintech India on

by Isaiah Olive

PhonePe

Sbi credit card / worst functioning

Personal Finance on

by Karilyn Carmden

Stealth

Axis credit card

News Discussion on

by Anise Everett

Gojek

Credit card spends market share by bank. Why is there no Federal Bank here?

Personal Finance on

by Dezi Denver

JP Morgan

AU Ixigo

Personal Finance on

by Kendall Denver

B2B SaaS

IDFC first credit card

Personal Finance on

by Coy Carmden

Stealth

Deposits and Credit cards from HDFC, but borrow only from SBI

Personal Finance on

by Blair Denver

Slice

How to get Credit Card without credit history

Personal Finance on

by Dezi Lee

Stealth

How to get AXIS Magnus ?

News Discussion on

by Isaiah Carmden

Stealth

CC stolen and transactions worth 2.5L done on it

Product Managers on

by Isaiah Vernon

Stealth

How to differentiate a 0 forex debit card??

News Discussion on

by Anise Lee

Stealth

Scapia Card

Personal Finance on

by Aaron Carmden

EY

Which credit card one would suggest for online cashback plus domestic lounge access

Personal Finance on

by Kendall Taye

Stealth

Which is the best credit card if your spending is 40k/pm

Personal Finance on

by Matilda Everett

Student

Bank Account Suggestion