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.

 

[b4bhar]

I was able to change 2 of SBI cards "CB & OCTANE" as LTF.
Selecting closure request through App with reason annual fee...
Next day....changes applied

Did you proceed with the closure request?

 

[aijaz21ahmad]

Did you proceed with the closure request?

Yes...next day retention team offered LTF and I accept.

 

[aijaz21ahmad]

did someone contact you or it happened directly from the app itself?

Next day retention team called me and offered it LTF(fee waiver was not option because already 2+L acheived), as I have ICICI EPM now I had made my mind either to close this card or they offer it LTF no nego.

 

[aijaz21ahmad]

How long you have these

3-4 years only.

 

[sri_cc]

What happened to ur LTF request?

I think it is made LTF, the pct id change ticket was resolved
need to confirm once

 

[xlabd]

Hi community.

I have 2 SBI credit cards- SimplyCLICK (SC) and Cashback (CB). I use CB extensively, and it should cross ₹2,00,000 transactions soon. However, I sparsely use the SC card. I will be charged an annual fee next month. I primarily took this card for sale-related offers, but ended up using it 3-4 times for small-ticket transactions.

I know the SC card can be made LTF. Reading the last few pages, I also saw that CB can also be made LTF. Can someone please guide me on how to proceed with making the SC card LTF (or reversing the annual fees) and then making the CB card LTF?

Please help me with the following questions:

1. Should I keep some balance due while starting the conversation? Currently SBICard owes me ₹0.16 for SC lol.
2. When should I start the conversation? Before or after I am charged the annual fee?
3. How should I make the request? Email, call, or app?
4. What should I say/do? Please make the card LTF, or please reverse the fees, or please close my card, or something else entirely?
5. Is there anything else that I should know?

 

[tachniki]

I sent an email asking what is process of closing the card. In response they called me. I explained that card is not much value to me as they stopped giving accelerated rewards on amazon. They suggested they can make it life time free. And I agreed.

Hi community.

I have 2 SBI credit cards- SimplyCLICK (SC) and Cashback (CB). I use CB extensively, and it should cross ₹2,00,000 transactions soon. However, I sparsely use the SC card. I will be charged an annual fee next month. I primarily took this card for sale-related offers, but ended up using it 3-4 times for small-ticket transactions.

I know the SC card can be made LTF. Reading the last few pages, I also saw that CB can also be made LTF. Can someone please guide me on how to proceed with making the SC card LTF (or reversing the annual fees) and then making the CB card LTF?

Please help me with the following questions:

1. Should I keep some balance due while starting the conversation? Currently SBICard owes me ₹0.16 for SC lol.
2. When should I start the conversation? Before or after I am charged the annual fee?
3. How should I make the request? Email, call, or app?
4. What should I say/do? Please make the card LTF, or please reverse the fees, or please close my card, or something else entirely?
5. Is there anything else that I should know?

 

[mailmenow]

My card got approved in 23rd of October. In first month statement I got charged the ANNUAL FEE of 499+gst instead of joining fee. Alos in the sms which I received at the time of credit card application, it's clearly mentioned that JF is zero as shown in the screenshot. I raised the concern to reverse the JF in X platform. They told me that the charged amount is for ANNUAL FEE not joining fee. They denied the same that it's the annual fee charged in advance for next year. How it is even possible??? In 2026 October 23rd only they will charge the first annual fee if I am not wrong?? Give me a clarification. I am confused . @SSV @Vasuki @Anindya98 @sovon @Akash.nagori @6ix9ine @b4bhar

 

[RAHUL GOYAL]

My card got approved in 23rd of October. In first month statement I got charged the ANNUAL FEE of 499+gst instead of joining fee. Alos in the sms which I received at the time of credit card application, it's clearly mentioned that JF is zero as shown in the screenshot. I raised the concern to reverse the JF in X platform. They told me that the charged amount is for ANNUAL FEE not joining fee. They denied the same that it's the annual fee charged in advance for next year. How it is even possible??? In 2026 October 23rd only they will charge the first annual fee if I am not wrong?? Give me a clarification. I am confused . @SSV @Vasuki @Anindya98 @sovon @Akash.nagori @6ix9ine @b4bhar
View attachment 114592

i also applied bpcl pre approved card in june with FYF 0 JF they didnot charged any fees.

 

[sovon]

My card got approved in 23rd of October. In first month statement I got charged the ANNUAL FEE of 499+gst instead of joining fee. Alos in the sms which I received at the time of credit card application, it's clearly mentioned that JF is zero as shown in the screenshot. I raised the concern to reverse the JF in X platform. They told me that the charged amount is for ANNUAL FEE not joining fee. They denied the same that it's the annual fee charged in advance for next year. How it is even possible??? In 2026 October 23rd only they will charge the first annual fee if I am not wrong?? Give me a clarification. I am confused . @SSV @Vasuki @Anindya98 @sovon @Akash.nagori @6ix9ine @b4bhar
View attachment 114592

I think it's
Annual fee / Joining fee : like the sequence is not important here, they are just indicating

Then it's saying it will charge either 499 / 0 according to the offer you received.

Otherwise I don't know what's happened here.

And it's joining fee, they can't charge annual fees before 2026.

Mail to the higher officials.

At last if you want to go further, RBIO is there for you.

But

 

[mailmenow]

i also applied bpcl pre approved card in june with FYF 0 JF they didnot charged any fees.

Did you receive the exact text sms as I received?

 

[mailmenow]

I think it's
Annual fee / Joining fee : like the sequence is not important here, they are just indicating

Then it's saying it will charge either 499 / 0 according to the offer you received.

Otherwise I don't know what's happened here.

And it's joining fee, they can't charge annual fees before 2026.

In first year there won't be any annual fee for any cards . Right??

Mail to the higher officials.

At last if you want to go further, RBIO is there for you.

But

 

[hender]

My card got approved in 23rd of October. In first month statement I got charged the ANNUAL FEE of 499+gst instead of joining fee. Alos in the sms which I received at the time of credit card application, it's clearly mentioned that JF is zero as shown in the screenshot. I raised the concern to reverse the JF in X platform. They told me that the charged amount is for ANNUAL FEE not joining fee. They denied the same that it's the annual fee charged in advance for next year. How it is even possible??? In 2026 October 23rd only they will charge the first annual fee if I am not wrong?? Give me a clarification. I am confused . @SSV @Vasuki @Anindya98 @sovon @Akash.nagori @6ix9ine @b4bhar
View attachment 114592

Your's is fyf or paid ?

 

[sovon]

Did you receive the exact text sms as I received?

 

[sovon]

In first year there won't be any annual fee for any cards . Right??

Yes, on first year it's joining fees.

 

[hender]

View attachment 114596

Your card is paid !

 

[sovon]

Your card is paid !

Yes I know.
But the format is showing same

 

[mailmenow]

How??They mentioned AF/JF: 499/0. So JF is zero

Your card is paid !

 

[sovon]

How??They mentioned AF/JF: 499/0. So JF is zero

Bro that's the format only.

 

[hender]

I don't know. I applied manually. I received the SMS at that time

If Card is paid don't bother about syntex "Joining Fee/Annual Fee..."/500/0 or 0/500

If free 🆓 and showing as Paid 500 than it's a cause of concern !