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Guide

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

Piyush Rathod's profile photo Piyush Rathod
4 min read
Reviewed by Gautam Chauhan Last reviewed 5 September 2026 Data verified 5 September 2026

Heads-up: SBI Card 2.0 application is no longer openly issued, so some figures below may be stale. The application steps still show how issuer applications generally work.

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.

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

How to apply Total time: 7 min · You’ll need: YONO SBI app, PAN, Aadhaar, mobile, address proof

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

  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.

Disclosure: FinWiz24 may earn a commission when you apply through links on this page. This does not influence our editorial independence — every card is scored against the same rubric.

Sources

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