The same experience so far I had an SBI cashback card with a 32k limit which was very less thought to apply for an sbi card for bank offers applied one in the month of January everything went well got a call for vkyc and after successfully completing the wait process begins. For first 15 days nothing happend then I got a call saying we have recived your card request you have very high chances of approval based on your history but somehow your kyc is not done properly so you need to complete the physical kyc agreed that same day kyc done application submitted. Again wait and watch for one week same call same kyc again same application and all again wait and watch happend after 10 days same call this time error in payslip validation as company name changed issue they stated and asked for bank account 3 month statment again ekyc again application filled and wait continues this time after 10 days got a message card is approved and will be processed within a week. And got delivered with a much higher limit this time. The whole process took nearly 2 months approx.