So virtual card to physical card conversion is done , is it still card LTF ? Have u checked with bob thru mail to be safe .
I am yet to receive the response from bob ,then I will also convert to physical.
Received Response from CC>
we wish to inform that your card is issued as "Life-Time Free" hence no Annual/Joining fee is applicable to your card account.
However, all othr charges are applicable as per MITC booklet.
It was some other CVV (in app) before applying physical card. After they issued physical card, CVV is different on physical card as well as in the app.