Questions about How to Apply for the SBI Card 2.0 (Mobile-First Application) in 2026

How to Apply for the SBI Card 2.0 (Mobile-First Application) in 2026

Apply for the SBI Card 2.0 with the new mobile-first application process. Walkthrough of the YONO-based flow and digital KYC.

FinWiz24 Editorial

Published 24 January 2026

Updated 18 June 2026

4 min read

How to Apply for the SBI Card 2.0 (Mobile-First Application) in 2026

The SBI Card 2.0 application is a reimagined mobile-first flow launched in 2025. It uses the YONO app, video KYC, and instant card virtualisation to approve and issue a credit card in 7 minutes — the fastest credit card application in India. The flow is open to any SBI customer with a savings account and YONO access.

Why this matters

SBI Card 2.0 is the future of credit card applications in India. The video KYC replaces the in-person verification and document upload, the YONO integration auto-fills KYC, and the virtual card is issued instantly. Approval rate is 85% for SBI customers with a clean credit history.

Card: sbi-card-2 View Card

How to Apply for the SBI Card 2.0 (Mobile-First Application) in 2026

How to

How to Apply for the SBI Card 2.0 (Mobile-First Application) in 2026

Apply for the SBI Card 2.0 with the new mobile-first application process. Walkthrough of the YONO-based flow and digital KYC.

Time: 7mCost: Free

What you'll need

YONO SBI app
PAN
Aadhaar
mobile
address proof

1
Download or update YONO
Download YONO SBI from the App Store or Google Play. Update the app to the latest version. Sign in with your SBI savings account credentials.
2
Navigate to Cards → Apply
Open YONO → Cards → Apply for Credit Card. The page shows the SBI Card 2.0 application option with a 'Apply in 7 minutes' label.
3
Choose the card type
Select the type of card (SimplyCLICK, Prime, BPCL Octane, etc.) and confirm the variant. The pre-qualified offers are highlighted at the top.
4
Pre-qualification check
YONO runs a soft inquiry on your CIBIL and SBI's internal data. Pre-qualified applications have an 85% approval rate. Non-pre-qualified applications are reviewed manually and take 7–10 days.
5
Complete video KYC
Tap Video KYC. The app connects to a SBI KYC agent over a video call. Show your PAN, Aadhaar, and address proof. The agent verifies your identity in 2 minutes.
6
Set the credit limit and card details
The agent will ask for your preferred credit limit (or accept the pre-approved limit). Confirm your residential address and shipping address.
7
Accept terms and e-sign
Review the terms and conditions, e-sign the application using Aadhaar OTP, and submit. The 12-digit application reference is shown.
8
Get instant approval and virtual card
Approval is instant for pre-qualified customers. A virtual card number is generated immediately and added to your YONO wallet. The physical card is delivered within 5–7 days.

Common mistakes to avoid

Video KYC is available only between 9 AM and 9 PM. Outside these hours, the application falls back to document upload, which takes 3–5 days. Make sure your Aadhaar mobile is reachable during the video KYC.

Pro tips

Apply during 9 AM – 9 PM for instant video KYC approval
Have your PAN, Aadhaar, and address proof ready before the video call
Use the virtual card for online purchases while waiting for the physical card
Track the physical card delivery in YONO → Cards → Track

Frequently asked questions

Is SBI Card 2.0 available to non-SBI customers?

No. The mobile-first flow requires an SBI savings account. Non-SBI customers can apply via the regular SBI Card website.

How long does video KYC take?

Video KYC takes 2–5 minutes, depending on the agent's queue.

Can I apply after 9 PM?

Yes, but the application will be processed the next day. Video KYC is only available 9 AM – 9 PM.

Material Connection: Some of the links in this content may be affiliate links, meaning we may earn a commission at no extra cost to you if you apply through our links.

Written by FinWiz24 Editorial

Editorial Disclosure: Our editorial team provides independent, unbiased information about credit cards. We may receive compensation from partner links, but this does not influence our reviews or recommendations.