Paid card can't be converted to LTF I had mailed them, I got the card in April and I could see the LTF offer in my app in May I requested them to convert based on current offer since I had just got the card and they could do it as a goodwill gesture. They declined saying that if the card is sourced as paid variant it will remain paid only. If it was applied under LTF only then it will be LTF. I got 500 in my Swiggy wallet as activation bonus so it's as good as first year free apart from the GST amount but from second year I'll have to pay the annual fee if I don't spend 2 lac on it.