Pro Tips to Make a SBI Card Life Time Free

[RkrRkr is verified member.]

Pro Tips-

Simple way to make Any basic to mid range SBI card LTF is to "Just raise a closure of card account request through Sbi card app .After few hours you will receive a call to ask a reason for cancellation ,there tell them Either make it Life time free or cancel the card.They will make your Card LTF.Done on my both sbi card and now both are LTF.Service request to make your card LTF is taken as PCT id is to be changed.You can check in service request tracking menu.

Caution:-If you holding multiple cards of SBI then kindly do this process at one card at a time only.Do on other card after at least month. If at any point SBI Card is not agreeing on LTF and offering you Annual Fee waivers only then Accept Fee waivers at that moment and Apply the same trick Again after 1 or 2 months for LTF.
IF ANYONE HAVING ANY SPECEFIC CONCERN THEN DO DM.

Edit 1-If afterall anyone missed the call from retention team then they can simply call customer care and there simply tell them to connect/transfer you call to retention team as i want to discuss regarding my card closure request.They will connect you to their retention team and now there you can project the above trick to get your card LTF ..


Edit 2(09 July 2023)-Even people have made sbi cards having fee upto 1499 LTF and even higher varriant cards you will get equivalent reward points or miles or annual fee waiver in place of LTF.

Edit 3(15 October 2023)- Even people have made their SBI cashback credit card LTF by their skill of negotiation.

Edit 4-Now a days SBI Cards sometime,closing the card without calling so suggest now dont place request through app by self .Call customer care directly and ask them for LTF/fee waivers or to transfer the call to retention team for doing the same.

 

[suresh2024]

I hold SBI CASHBACK credit card from Oct 2022. Had spent approx 2.5 lakhs per year and easily reached annual fee waiver criteria. But this year just before annual charge date, thought to try for LTF conversion.
On 7th October, sent a mail to customer service head mail id, requesting for LTF conversion with details of long relationship and good spends per year.
On 10th October, received a mail regarding reconsidering my decision of card closer request which obviously I didn't made.
On same day, received another email confirming the request for LTF conversion.
Finally,
On 16th October, Received a mail confirming that LTF conversion is successful.
I didn't thought things will go that smooth especially with SBI.
Attaching SS of mail for the curious ones here.View attachment 112736

Can you share the email IDs to which you have sent the mail?

 

[panu24]

No. They won't. Losing a customer is what makes them really consider

There are different experiences by different people here. One is getting converted any SBI card as LTF does not mean all other SBI card holders will also get it LTF. But its shared here that if you have good spend on SBI cashback card then SBI will convert it to LTF.

 

[avinashvut]

I hold SBI CASHBACK credit card from Oct 2022. Had spent approx 2.5 lakhs per year and easily reached annual fee waiver criteria. But this year just before annual charge date, thought to try for LTF conversion.
On 7th October, sent a mail to customer service head mail id, requesting for LTF conversion with details of long relationship and good spends per year.
On 10th October, received a mail regarding reconsidering my decision of card closer request which obviously I didn't made.
On same day, received another email confirming the request for LTF conversion.
Finally,
On 16th October, Received a mail confirming that LTF conversion is successful.
I didn't thought things will go that smooth especially with SBI.
Attaching SS of mail for the curious ones here.View attachment 112736

Can u share that maild id

 

[Akash_Aryan]

Can you please provide list of email id's on which your send this mail

CustomerServiceHead@sbicard.com on this email id

 

[SSV]

They converted my MyZone to LTF.

Neo / Myzone are generally issued as LTFs..
To take them as paid in the first place iitself s a sin 😉 ..

 

[Animal]

Neo / Myzone are generally issued as LTFs..
To take them as paid in the first place iitself s a sin 😉 ..

Lol. I took it back in 2021 and at that time it was not offered LTF. However at that time I got 1 year SonyLiv and I utilised Swiggy 40% off upto 120 on MOV 200 to the fullest. After MyZone devaluation, I wanted to close the card and at that time it was converted to LTF.

 

[Ank!t]

did you call the customer care and they just converted to LTF on call?

Yes my outstanding amount was 0. Card is exactly 3 yr old.
I've simply told them to close my card as I'm also holding SBI PhonePe Black card. As both the cards have quite similar features and I've moved my major transection to newer card. Within seconds she refunded annual fee and offered as LTF.

 

[sidhi]

I hold SBI CASHBACK credit card from Oct 2022. Had spent approx 2.5 lakhs per year and easily reached annual fee waiver criteria. But this year just before annual charge date, thought to try for LTF conversion.
On 7th October, sent a mail to customer service head mail id, requesting for LTF conversion with details of long relationship and good spends per year.
On 10th October, received a mail regarding reconsidering my decision of card closer request which obviously I didn't made.
On same day, received another email confirming the request for LTF conversion.
Finally,
On 16th October, Received a mail confirming that LTF conversion is successful.
I didn't thought things will go that smooth especially with SBI.
Attaching SS of mail for the curious ones here.View attachment 112736

How did you apply for SBI Cashback card

I hold SBI CASHBACK credit card from Oct 2022. Had spent approx 2.5 lakhs per year and easily reached annual fee waiver criteria. But this year just before annual charge date, thought to try for LTF conversion.
On 7th October, sent a mail to customer service head mail id, requesting for LTF conversion with details of long relationship and good spends per year.
On 10th October, received a mail regarding reconsidering my decision of card closer request which obviously I didn't made.
On same day, received another email confirming the request for LTF conversion.
Finally,
On 16th October, Received a mail confirming that LTF conversion is successful.
I didn't thought things will go that smooth especially with SBI.
Attaching SS of mail for the curious ones here.View attachment 112736

How did you applied for SBI Cashback card

 

[Akash_Aryan]

How did you apply for SBI Cashback card

How did you applied for SBI Cashback card

I applied Through SPRINT

 

[HumorSimpson]

@GaurangMittal15 read this thread

 

[GaurangMittal15]

@GaurangMittal15 read this thread

Thank you so much, this was really helpful!

 

[Rhishav]

Tried my luck but rejected as per mail reply.

 

[sri_cc]

I hold SBI CASHBACK credit card from Oct 2022. Had spent approx 2.5 lakhs per year and easily reached annual fee waiver criteria. But this year just before annual charge date, thought to try for LTF conversion.
On 7th October, sent a mail to customer service head mail id, requesting for LTF conversion with details of long relationship and good spends per year.
On 10th October, received a mail regarding reconsidering my decision of card closer request which obviously I didn't made.
On same day, received another email confirming the request for LTF conversion.
Finally,
On 16th October, Received a mail confirming that LTF conversion is successful.
I didn't thought things will go that smooth especially with SBI.
Attaching SS of mail for the curious ones here.View attachment 112736

just sent the exact same email, my profile is also very similar, 3 years and every year spends >2L, hopefully they should make it LTF, else will transfer the credit limit to my SimplySave card and close this card during next year's renewal, as all of my spends are shifted to DCB now

 

[SSV]

just sent the exact same email, my profile is also very similar, 3 years and every year spends >2L, hopefully they should make it LTF, else will transfer the credit limit to my SimplyClick card and close this card during next year's renewal, as all of my spends are shifted to DCB now

Whatever you do,
Just don't close SBI CB card..
It is one of the best cards for the last 2 or 3 years...and it is still the best card in its category whether it is chargeable or LTF, doesn't matter

 

[sri_cc]

Whatever you do,
Just don't close SBI CB card..
It is one of the best cards for the last 2 or 3 years...and it is still the best card in its category whether itvus chargeable or LTF, doesn't matter

this year before I got DCB, my spends already crossed 2L, but once I got DCB, I didn't even spend 5K on this card and this is not working during most of the sales (except for some FK sales, anyways have simplysave for sale discount), hence thinking of closing sir, hopefully if they make it LTF, that's the best case scenario

another problem is CB - 80K limit and SS - 30K limit, during some sales where CB card is not eligible, this limit on SS is barely sufficient, hence thinking of doing limit transfer as SBI doesn't want to increase my limit even after giving anumati darling my bank account access (I guess due to existing high limits on other cards)

 

[SSV]

this year before I got DCB, my spends already crossed 2L, but once I got DCB, I didn't even spend 5K on this card and this is not working during most of the sales (except for some FK sales, anyways have simplysave for sale discount), hence thinking of closing sir, hopefully if they make it LTF, that's the best case scenario

another problem is CB - 80K limit and SS - 30K limit, during some sales where CB card is not eligible, this limit on SS is barely sufficient, hence thinking of doing limit transfer as SBI doesn't want to increase my limit even after giving anumati darling my bank account access (I guess due to existing high limits on other cards)

What you could do meanwhile is :ask for annual fee reversal every year..they generally for this..
How old your CB card? And how much total spends till now ?

 

[SSV]

this year before I got DCB, my spends already crossed 2L, but once I got DCB, I didn't even spend 5K on this card and this is not working during most of the sales (except for some FK sales, anyways have simplysave for sale discount), hence thinking of closing sir, hopefully if they make it LTF, that's the best case scenario

another problem is CB - 80K limit and SS - 30K limit, during some sales where CB card is not eligible, this limit on SS is barely sufficient, hence thinking of doing limit transfer as SBI doesn't want to increase my limit even after giving anumati darling my bank account access (I guess due to existing high limits on other cards)

You will definitely get LTF and / or CLE in the coming one year or so...
Just be patient..
Dont close CB card

 

[sri_cc]

SBI doesn't want to increase my limit even after giving anumati darling my bank account access

@SSV can you please help me with revoking this permission, I thought I'll immediately revoke this permission after I get a credit limit enhancement, but didn't get any email/SMS from SBI as to which portal/website/entity took my bank account permission, this is my salary account, hence don't want some random entity to have access to this

 

[sri_cc]

What you could do meanwhile is :ask for annual fee reversal every year..they generally for this..

for SimplySave I did this last year, I fell short by 10K & they reversed the fee

How old your CB card? And how much total spends till now ?

took it in Nov 2022, don't know exact amount, but every year it was >2L, but total would be around 8L I guess

You will definitely get LTF and / or CLE in the coming one year or so...
Just be patient..
Dont close CB card

hopefully sir, then I need not close the card

 

[SSV]

@SSV can you please help me with revoking this permission, I thought I'll immediately revoke this permission after I get a credit limit enhancement, but didn't get any email/SMS from SBI as to which portal/website/entity took my bank account permission, this is my salary account, hence don't want some random entity to have access to this

Please go thru this post..
You will find how to revoke anumati

Post in thread 'SBI Cashback Credit Card Limit Enhancement (Oct 2025)' https://technofino.in/community/thr...limit-enhancement-oct-2025.44902/post-1130143