How to Apply for a Credit Card through YONO SBI App?

13 Nov, 2023

credit card

SBI Credit cards offer a range of fantastic benefits that make them stand out from the crowd. With these cards, you can enjoy the convenience of cashless transactions, making shopping and payments a breeze. SBI provides attractive reward programs that lets you earn points for every rupee spent, which can be redeemed for exciting gifts and discounts. Additionally, the cards often come with exclusive offers and discounts at various partner outlets, giving you more value for your money. So, can we apply for SBI Credit cards online through YONO SBI? In the section below, we’ll discuss in detail how to apply for an SBI credit card through YONO SBI. Continue reading to learn more.

What is YONO SBI App?

Before jumping into the details, let's briefly understand the YONO SBI app. YONO, short for 'You Only Need One,' is an all-in-one digital platform offered by the State Bank of India. It brings together a wide range of banking and financial services under one umbrella, making it incredibly convenient for SBI customers to manage their accounts, conduct transactions, and apply for various products like credit cards. Explore over 17 variants of SBI credit cards on YONO SBI and discover before taking the decision to apply for credit card as per your needs, ensuring a seamless and hassle-free digital experience.

How to Apply for SBI Credit Card through YONO SBI App

Now that you're aware of the advantages of having an SBI credit card, let's proceed with the step-by-step guide on how to apply for SBI Credit Card online through the YONO SBI app:

Step 1: Download the YONO SBI App

If you haven't already, head to the App Store (for iOS users) or the Google Play Store (for Android users) and download the YONO app. Once the installation is complete, launch the app and log in using your SBI Internet banking credentials. You can easily register and create an account if you're a new user.

Step 2: Explore the 'Credit Cards' Section

Once you're logged in, navigate to the 'Credit Cards' section in the app. You'll find detailed information about various SBI credit card options, including their features, benefits, and eligibility criteria.

Step 3: Choose the Right Credit Card for You

Select the credit card that best suits your needs and lifestyle. SBI offers a variety of credit cards tailored to different customer segments, such as travel, shopping, dining, and fuel.

Step 4: Check Eligibility

Before you apply, eligibility requirements for the chosen credit cards can be checked on the app. Typically, the eligibility criteria include factors like age, income, credit score, and existing relationship with the bank.

Step 5: Fill in the Application

Once you've chosen the ideal credit card and confirmed your eligibility, it's time to complete the application form. The form will require your details, income information, and other relevant data. Ensure that you provide accurate information to avoid any processing delays.

Step 6: Review and Submit

Take a moment to review the details you've entered before applying. Once you're satisfied that all the information is correct, submit the application.

Step 7: Application Processing

After you've applied, SBI cards team will process it and assess your eligibility based on the credit card approval criteria. This process may take a few business days, and you will be notified of the status through the app or via email/SMS.

Step 8: Receive Your Credit Card

If the application is approved, you will get a virtual credit card instantly. Additionally, a brand new SBI credit card will be dispatched to your registered address.

Tips for a Successful Credit Card Application

Follow these tips for SBI credit card application:

  • Ensure you meet the eligibility criteria for the credit card you're applying for.
  • Provide accurate and up-to-date information in the application form.
  • Maintain a healthy credit score, as it significantly impacts your credit card approval chances.


Applying for an SBI credit card through the YONO SBI app is an effortless and convenient process that opens the doors to a world of rewards and benefits. With a plethora of credit cards catering to different needs, you're sure to find one that aligns perfectly with your lifestyle.

Embrace the digital revolution and apply for your dream credit card through the YONO SBI app today. Unlock a world of financial opportunities and make the most of your purchases with SBI's top-notch credit card offerings!

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