So he holds two credit cards of SBI. One is Gold variant other is some FBB variant. Both are lifetime free. No spend based nothing just unconditional LTF and were offered LTF. He only applies for credit cards which are Unconditional LTF even they provide benefits like Eterna, Infinia, Magnus etc. Just one rule i.e. Unconditional LTF.
He hasn't used these cards for like years but are still active. His CIBIL shows that these cards were reported in the year 2007!