u/kantnobody

Applied for SBI Card (PhonePe SBI Select Black) recently, completed digital KYC, and now I’ve received both SMS and email saying the card is approved and will be delivered within 7 working days. Even SBI IVR says the card is approved.

But the application tracking page still shows “application is being processed” / “an executive will contact you shortly.” I also can’t login to SBI Card app because it asks for card details which I don’t have yet, and the credit limit isn’t visible anywhere.

Has anyone else faced this delay between approval and card generation? How long did it take for your card details/virtual card/credit limit to appear after approval?

Applied for SBI Card (PhonePe SBI Select Black) recently, completed digital KYC, and now I’ve received both SMS and email saying the card is approved and will be delivered within 7 working days. Even SBI IVR says the card is approved.

But the application tracking page still shows “application is being processed” / “an executive will contact you shortly.” I also can’t login to SBI Card app because it asks for card details which I don’t have yet, and the credit limit isn’t visible anywhere.

Has anyone else faced this delay between approval and card generation? How long did it take for your card details/virtual card/credit limit to appear after approval?

Applied for SBI Card (PhonePe SBI Select Black) recently, completed digital KYC, and now I’ve received both SMS and email saying the card is approved and will be delivered within 7 working days. Even SBI IVR says the card is approved.

But the application tracking page still shows “application is being processed” / “an executive will contact you shortly.” I also can’t login to SBI Card app because it asks for card details which I don’t have yet, and the credit limit isn’t visible anywhere.

Has anyone else faced this delay between approval and card generation? How long did it take for your card details/virtual card/credit limit to appear after approval?

Applied for the SBI PhonePe Select Black card day before yesterday and completed the digital KYC on the same day itself.

After that, I got this message from SBI:

“Your application is being processed with tentative credit limit ranging between Rs. 80,000 and Rs. 1,00,000, subject to verification of your application.”

Then inside the SBI app/status page it says they may need additional information and that a representative will contact me shortly. But till now no calls or updates from SBI side.

For people who already got this card approved, how long did the whole process take after digital KYC? Just trying to understand if this delay is normal with SBI or not.

Applied for the SBI PhonePe Select Black card day before yesterday and completed the digital KYC on the same day itself.

After that, I got this message from SBI:

“Your application is being processed with tentative credit limit ranging between Rs. 80,000 and Rs. 1,00,000, subject to verification of your application.”

Then inside the SBI app/status page it says they may need additional information and that a representative will contact me shortly. But till now no calls or updates from SBI side.

For people who already got this card approved, how long did the whole process take after digital KYC? Just trying to understand if this delay is normal with SBI or not.

Got an Axis Bank Cashback Credit Card recently.

During application, it clearly showed: ₹1000 welcome benefit (₹500 Flipkart + ₹500 Cleartrip)

₹0 joining fee

I even took a screenshot of it.

Activated the card and made my first transaction on 21 April. Didn’t receive the vouchers, so I mailed them.

Now their reply:

They’re saying my card was issued under “First Year Free (FYF)” and that this offer does NOT include welcome benefits.

So basically: What they showed during application ≠ what they’re honoring now.

I’ve already sent them the screenshot proof and asked them to re-evaluate.

Has anyone else faced this with Axis? Do they usually fix it after escalation?

Feels like straight-up misleading onboarding.