The process is simple. Approval depends on profile.

A few steps. Some basic checks. That’s it.

Step 1: Check Eligibility First

Before applying, check if basic criteria are met.

Most SBI credit cards require:

• Minimum age: 18–21 years
• Stable income source
• Valid PAN and address proof
• Decent credit score

A credit score above 700 improves approval chances.

Lower scores may lead to rejection.

Step 2: Choose the Right SBI Credit Card

SBI offers different types of credit cards.

Options include:

• Entry-level cards
• Cashback cards
• Travel cards
• Lifestyle cards
• Premium cards

Credit cards are issued by State Bank of India through its card division.

Entry-level cards are easier to get.

Premium cards require stronger income and credit history.

Match the card with spending pattern.

Step 3: Apply Online

The fastest way is online.

Steps usually include:

1. Visit SBI Card official website
2. Select the preferred credit card
3. Click “Apply Now”
4. Fill personal and income details
5. Upload documents
6. Complete video KYC if required

Application usually takes 10–15 minutes.

Step 4: Apply Offline (If Preferred)

Offline option is also available.

• Visit SBI branch
• Fill physical application form
• Submit required documents

Offline processing may take slightly longer.

Online is usually quicker.

Step 5: Submit Required Documents

Common documents include:

• PAN card
• Aadhaar or valid ID
• Address proof
• Salary slips or bank statements
• ITR for self-employed applicants

Incomplete documents delay approval.

Accuracy matters.

A Small Example

Monthly salary: ₹32,000

Credit score: 760

No missed payments

Applied online for entry-level card.

Video KYC completed same day.

Approval received within 3 days.

Card delivered in a week.

Clean profile helped.

How Long Does Approval Take?

Typical timeline:

• Application submission: 10–20 minutes
• Approval decision: 2–7 working days
• Card delivery: 5–7 working days

Rejection decisions may come earlier.

Approval depends on verification checks.

Why Applications Get Rejected

Common reasons include:

• Low credit score
• High existing loan burden
• Multiple recent credit inquiries
• Inconsistent income
• Incorrect details in application

One rejection is not final.

Profile can be improved and reapplied later.

Can Someone Without Credit History Get SBI Credit Card?

It may be difficult for unsecured cards.

Alternative option:

• Secured credit card against fixed deposit

Secured cards have easier approval since deposit reduces bank risk.

After 6–12 months of disciplined use, unsecured cards become easier.

Start small. Build history.

Does Applying Affect Credit Score?

Yes.

Each application triggers a hard inquiry.

Too many inquiries in short time can reduce score slightly.

Apply only after checking eligibility.

Tips to Increase Approval Chances

Quick checklist:

• Maintain credit score above 700
• Clear outstanding dues
• Keep credit utilisation below 30%
• Avoid applying for multiple cards at once
• Apply with accurate income details

Preparation increases success.

What Happens After Approval?

Once approved:

• Digital card details may be shared first
• Physical card is dispatched
• Activation and PIN generation required

Card becomes usable after activation.

Is SBI Credit Card Good for Beginners?

Yes, entry-level SBI cards are suitable for beginners.

They usually offer:

• Basic rewards
• Moderate limits
• Manageable annual fee

Premium SBI cards require stronger profile.

Choose wisely.

Should Secured Card Be Considered?

If approval is difficult, secured credit card may be a good option.

Advantages:

• Easier approval
• Builds credit history
• Lower rejection risk

It’s a practical starting point.

FAQ

Can SBI credit card be applied online?

Yes, through official SBI Card website.

What credit score is required?

Usually 700 or above improves approval chances.

How long does it take to get the card?

Typically 7–10 working days including delivery.

In Short

Getting an SBI credit card is simple if eligibility is met.

Credit score and income matter most.

Choose the right card and apply carefully.

Still unsure which SBI card matches spending pattern best?