Hi! I see your SBI Card transaction was declined while using the SBI Card app. Let’s work through some common reasons for this issue and how to fix them on your Windows device.

First, could you tell me if you received any specific error message during the decline? Also, is this happening with all transactions or just a particular one?

Meanwhile, here are some general steps you can try:

1. Check Card Details and Validity:
Confirm your card has not expired and the details, including the CVV and expiry date, are correctly entered in the app. Sometimes expired cards or mistyped details cause declines.

2. Available Credit and Payment Status:
Ensure your outstanding balance is below your credit limit. If you have crossed your limit or there’s a past due payment, transactions may get declined. You can check your available credit via the SBI Card app under “Your Account.”

3. Transaction Limits and Categories:
Some SBI cards have category-wise or overall transaction limits. Verify if your transaction amount exceeds those limits. You can request increases or disable limits from the app if applicable.

4. Card Blocked or Temporarily Frozen:
Check if your card is blocked or temporarily frozen due to suspected fraud or security reasons. If yes, follow the app option to unblock your card by verifying your transactions via OTP.

5. Authentication Issues:
At times, authentication may fail due to incorrect passwords or OTP issues. Reverify your password and ensure your registered mobile number is active to receive OTPs.

6. App and Network Issues:
Since you are on a Windows (WebKit) device, make sure your internet connection is stable, and the app is updated to the latest version. Logging out and back in can also refresh your session.

If you’ve tried all above and still face issues, you might want to raise a transaction dispute or contact SBI Card customer care through [email protected] for further investigation.

Would you like me to guide you through any specific step in the app? Also, please let me know if you have tried some of these already so I can suggest more advanced fixes.

Here is a helpful SBI Card FAQ link on declined transactions for your reference:
FAQs on Authentication Declined / Card Not Identified - SBI Card 1

Are you satisfied with this guidance so far?