HDFC Swiggy CC Fee Reversal Method?

[ZoomZumba420]

So, I currently own both SBI Cashback and HDFC Swiggy credit cards. Both are chargeable. SBI one is fully chargeable and HDFC one is first year free.

I am currently doing all my spends via SBI to meet the 2 lakh spend criteria (Had my luck good while reversing joining fee but don't want to try my luck again).

So, I am spending close to nothing via the HDFC Swiggy card. So, spend based waiver is out of question.

So, my question is what are the possibilities for getting my next annual fee reversed or may be get my card converted to ltf?

 

[Dr.Anand456Dr.Anand456 is verified member.]

So, I currently own both SBI Cashback and HDFC Swiggy credit cards. Both are chargeable. SBI one is fully chargeable and HDFC one is first year free.

I am currently doing all my spends via SBI to meet the 2 lakh spend criteria (Had my luck good while reversing joining fee but don't want to try my luck again).

So, I am spending close to nothing via the HDFC Swiggy card. So, spend based waiver is out of question.

So, my question is what are the possibilities for getting my next annual fee reversed or may be get my card converted to ltf?

HDFC Bank: Try sending an email to HDFC Bank, requesting them to make your credit card lifetime free. If you're lucky, they might approve it. Also, mention that when you applied for the card, it was shown as lifetime free, but after getting it, you found out that it is chargeable. You can add that if they make it lifetime free, you will continue using it; otherwise, you will close the card. There is a good chance that your request will be accepted.


SBI Card: Try submitting a card closure request through the SBI app. Often, when initiating the closure process, they offer to make the card lifetime free or waive the annual fee. One of these two options is likely to be offered. However, there is some risk involved, as it depends on the bank’s decision.