FY 2024-25 End - Credit Card Retention Offers

[Ram1]

I was in a similar situation, asked to close ACE or conv to LTF
they offered me MyZone LTF as an upgrade instead of privilege LTF though I tried to negotiate for privilege, they didn't agree

U can see privilege ltf in apply section of app

 

[Ram1]

Raised req for RBL world safari card closure
Asked them to convert my card to LTF, but they denied it and said they could waive off the AF for this yr, I accepted

Its always the case with RBL🥲,they keep waiving off the fees. But have to pay gst

 

[Fini7777]

U can see privilege ltf in apply section of app

I hold 3 cards in Axis

 

[Pissant]

Previlege ltf is great deal.
I don't they will convert fk to ltf. Give a good case to them

While closing Axis Neu LTF got 1250 ER rentention offer but rejected it and got Privilege LTF.
Trying to convert my FK Axis to LTF, renewal is this month and already crossed 3.8L annual spends.

Why is Privilege LTF a good card? I closed my LTF Privilege just last week since It was completely useless.

 

[Ram1]

how is it related to FY end? it normally happens on card renewal month rite?

FY end is best time for retention because banks doesn't want to let customers go

 

[Fini7777]

Its always the case with RBL🥲,they keep waiving off the fees. But have to pay gst

No... No need to pay any GST it's completely waived off incl GST
this is my 2nd attempt

 

[Deepak_Shetty]

for me all are LTF till now

till now i have only taken cards never closed any

Can you share card portfolio? Good to see that yours relevant cards are LTF.

 

[Ram1]

Why is Privilege LTF a good card? I closed my LTF Privilege just last week since It was completely useless.

Its not a good card now after all the devaluations. Better to keep it as ltf for bank offers

 

[Fini7777]

Why is Privilege LTF a good card? I closed my LTF Privilege just last week since It was completely useless.

Not a good card
atleast Myzone or Neu provides Swiggy, Zomato offer and Movie offer but privilege doesn't have anything as such

we can consider this card for using it in grab deals portal

 

[Deepak_Shetty]

Its always the case with RBL🥲,they keep waiving off the fees. But have to pay gst

Call before charging annual fee. For me they never charged annual fee.

 

[praful47]

Why is Privilege LTF a good card? I closed my LTF Privilege just last week since It was completely useless.

It's a premium card ... Though no benefit

 

[Fini7777]

I am gng to ask for my Myntra card LTF Conv
is this the right time?
what r the chances of getting it done?

 

[Anindya98]

neo toh zomato wala offer me use ho jata xD privilege ka kya faida?

I already have a Neo card in my family, so having two doesn’t add any benefit—the only difference was mine being RuPay and the other one MC.
I barely spend ₹500 on online food, so I had already decided to close the card even before receiving the Privilege LTF offer.

• Rewards: Privilege offers significantly higher EDGE Points than Neo.
• Lounge Access: Privilege includes domestic lounge access, whereas Neo doesn’t.
• Annual Benefits: Privilege has milestone benefits, while Neo focuses on e-commerce discounts.
• Fee Justification: Neo is best for online shopping savings, whereas Privilege is better for lounge access and overall rewards accumulation. As I got both LTFs this point is not valid in my case.

 

[Anindya98]

What should be the limit to get privilege in pre approved section?

The floor limit seems to be 1L, IG. Mine is 2.1L, and I have pre-approved offers for all cards up to Magnus.

 

[Anindya98]

Can you share card portfolio? Good to see that yours relevant cards are LTF.

Post in thread 'How Many Cards Are in Your Wallet? 🤔💳 Share Your Count & Their Purpose!'

Mar 19, 2025

SBI CB, Axis FK, ICICI Apay, HDFC Millenia, HSBC Live +, Swiggy HDFC 50-50 chance

wow very closes

putting in order of obtaining -
Millenia
FK
Premier
Snapdeal
Swiggy
Sapphiro
Apay

Toughest to get were ICICI cards took very much hard enquiries

• kuchbhi

• 

Why is Privilege LTF a good card? I closed my LTF Privilege just last week since It was completely useless.

I solely use the card for instant discount offers.

Post in thread 'FY 2024-25 End - Credit Card Retention Offers'

Mar 19, 2025

neo toh zomato wala offer me use ho jata xD privilege ka kya faida?

I already have a Neo card in my family, so having two doesn’t add any benefit—the only difference was mine being RuPay and the other one MC.
I barely spend ₹500 on online food, so I had already decided to close the card even before receiving the Privilege LTF offer.

• Rewards: Privilege offers significantly higher EDGE Points than Neo.
• Lounge Access: Privilege includes domestic lounge access, whereas Neo doesn’t.
• Annual Benefits: Privilege has milestone benefits, while Neo focuses on...

• Anindya98

• 

 

[Anindya98]

I was in a similar situation, asked to close ACE or conv to LTF
they offered me MyZone LTF as an upgrade instead of privilege LTF though I tried to negotiate for privilege, they didn't agree

Check the pre-approved section after closing the card if you already have 3 Axis cards.

 

[theMessiah]

What should be the limit to get privilege in pre approved section?

Probably above 50-60k. It was not showing for me when I had 42k limit. But when I increased it to 94k all cards are showing except magnus.

 

[EverybodyEverybody is verified member.]

Anybody tried and got any good retention offer from banks?

Got Ace Renewal fees back successfully.

Spoiler: But only the card need to be closed. I accepted, they accepted.

But only the card need to be closed. I accepted, they accepted.

 

[kvndsz512]

Post in thread 'How Many Cards Are in Your Wallet? 🤔💳 Share Your Count & Their Purpose!'

Mar 19, 2025

SBI CB, Axis FK, ICICI Apay, HDFC Millenia, HSBC Live +, Swiggy HDFC 50-50 chance

wow very closes

putting in order of obtaining -
Millenia
FK
Premier
Snapdeal
Swiggy
Sapphiro
Apay

Toughest to get were ICICI cards took very much hard enquiries

• kuchbhi

• 

I solely use the card for instant discount offers.

Post in thread 'FY 2024-25 End - Credit Card Retention Offers'

Mar 19, 2025

neo toh zomato wala offer me use ho jata xD privilege ka kya faida?

I already have a Neo card in my family, so having two doesn’t add any benefit—the only difference was mine being RuPay and the other one MC.
I barely spend ₹500 on online food, so I had already decided to close the card even before receiving the Privilege LTF offer.

• Rewards: Privilege offers significantly higher EDGE Points than Neo.
• Lounge Access: Privilege includes domestic lounge access, whereas Neo doesn’t.
• Annual Benefits: Privilege has milestone benefits, while Neo focuses on...

• Anindya98

• 

yes but for instant discount i prefer using airtel axis ez 1% cb on top of the Normal instant discount

didn't feel privilege worth it if u hold better cards from other banks

 

[Anindya98]

yes but for instant discount i prefer using airtel axis ez 1% cb on top of the Normal instant discount

didn't feel privilege worth it if u hold better cards from other banks

Yes, I have Airtel Axis as an add-on so when I need any Axis card for an instant discount that time I pair it with grab deals 5%.