CIBIL is fetched as part of the Credit Universe onboarding form. Customers can also check their score free on the official CIBIL website. Checking your own score is a soft enquiry and does not reduce it.
A customer with no credit history yet: no card, no loan, no CIBIL record. Cards marked New to Credit allowed, like SBI Cashback, SBI Flipkart, and select HDFC cards, accept these applicants. FD-backed cards are another reliable route.
Submit the application screenshot with the application number visible, then the proof of your customer’s first transaction of at least ₹150 made within 15 days of receiving the card. Your payout is released within a week of that submission.
Yes. A customer can hold multiple cards, for example one salaried card plus one FD-backed card. Each application is assessed independently by the issuing bank.