How to get SBI Cashback Card joining fee back

[ZoomZumba420]

So, I applied SBI Cashback Card via yono and instantly got the card with a decent limit of 157000/- this January, 2025.

Now, on first month statement they charged me 999/- + GST as annual fee. I am sure it should be called joining fee rather than annual fee. But it shows as annual fee in my statement.

But my question is that if I can get this joining fee reversed. I have already called the customer care and she siad there was not any fee waiver offer available for me. No option for the same is available in the app either. I have already emailed to customer service head, nodal officer and principal nodal officer to appeal for my joining fee reversal.

At last, I paid all the bill and lodged a card closure request. I will get a call in evening. But I don't have any hope though.

Meanwhile, can you guys give me some idea on the same?

 

[BVCBVC is verified member.]

Congratulations on your SBI CB card with decent in fact good limit. There are tons of people holding this card with as less as 10K limit. 999 JF/AF can be waived of by spending 20000 online.

That’s the best and undisputed cash back card in India. But if you succeed getting JF waiver please share your success story here. But I’m not sure they will provide JF waiver.

 

[Kumar93196]

Sbi cb Is one of the best card available in the market in terms of cashback. And the can be easily recovered. If want the fee back you shouldn't activated the card. And negotiate beforehand now if you cleared the dues and requested for cancellation they cancel the card 99%.
Than all of your fee paid will be gone

 

[RAMESH BABU N]

Result of NOT READING at all or SELECTIVE READING.

IMPULSIVE decision making.
ACTING IN HASTE.

Got a long way ahead .....

 

[rajcasio]

Result of NOT READING at all or SELECTIVE READING.

IMPULSIVE decision making.
ACTING IN HASTE.

Got a long way ahead .....

You are 100% right.
Though i had the option to choose AXIS AIRTEL(i'm a AIRTEL prepaid/broadband user) i chose ACE and regret it
Now facing rejections on AIRTEL CC

 

[surojitlaha]

You are 100% right.
Though i had the option to choose AXIS AIRTEL(i'm a AIRTEL prepaid/broadband user) i chose ACE and regret it
Now facing rejections on AIRTEL CC

Wait for few months, you will get pre approved airtel cc offer if you have a savings account with them

 

[Zacobite]

So, I applied SBI Cashback Card via yono and instantly got the card with a decent limit of 157000/- this January, 2025.

Now, on first month statement they charged me 999/- + GST as annual fee. I am sure it should be called joining fee rather than annual fee. But it shows as annual fee in my statement.

But my question is that if I can get this joining fee reversed. I have already called the customer care and she siad there was not any fee waiver offer available for me. No option for the same is available in the app either. I have already emailed to customer service head, nodal officer and principal nodal officer to appeal for my joining fee reversal.

At last, I paid all the bill and lodged a card closure request. I will get a call in evening. But I don't have any hope though.

Meanwhile, can you guys give me some idea on the same?

no option on sbi cb card.... they almost never waive year 1..if ur spend is gd then a small chance nxt yr.. use the cc for what u got it for... more fee waiver means devals!!

 

[Abhisek]

So, I applied SBI Cashback Card via yono and instantly got the card with a decent limit of 157000/- this January, 2025.

Now, on first month statement they charged me 999/- + GST as annual fee. I am sure it should be called joining fee rather than annual fee. But it shows as annual fee in my statement.

But my question is that if I can get this joining fee reversed. I have already called the customer care and she siad there was not any fee waiver offer available for me. No option for the same is available in the app either. I have already emailed to customer service head, nodal officer and principal nodal officer to appeal for my joining fee reversal.

At last, I paid all the bill and lodged a card closure request. I will get a call in evening. But I don't have any hope though.

Meanwhile, can you guys give me some idea on the same?

Request them to withdraw your cancellation request. You have got a very good limit and joining fee can be easily recovered by spending 30000-40000 in a year.

 

[AlooDum]

Keep us updated

 

[yogs]

Frankly, SBI cashback card has no spenda based criteria available for joining fee waiver. Annual fee will be waived off after 2L annual spends. You have also got decent limit for it as their are many members we have with very less limit. Myself stuck with 40000 limit with 800+ cibil and with 1.4 L / month salary and they are not even agreeing to get it enhanced to 1L.

 

[ZoomZumba420]

Frankly, SBI cashback card has no spenda based criteria available for joining fee waiver. Annual fee will be waived off after 2L annual spends. You have also got decent limit for it as their are many members we have with very less limit. Myself stuck with 40000 limit with 800+ cibil and with 1.4 L / month salary and they are not even agreeing to get it enhanced to 1L.

Now I feel guilty 🙂

 

[SSV]

So, I applied SBI Cashback Card via yono and instantly got the card with a decent limit of 157000/- this January, 2025.

Now, on first month statement they charged me 999/- + GST as annual fee. I am sure it should be called joining fee rather than annual fee. But it shows as annual fee in my statement.

But my question is that if I can get this joining fee reversed. I have already called the customer care and she siad there was not any fee waiver offer available for me. No option for the same is available in the app either. I have already emailed to customer service head, nodal officer and principal nodal officer to appeal for my joining fee reversal.

At last, I paid all the bill and lodged a card closure request. I will get a call in evening. But I don't have any hope though.

Meanwhile, can you guys give me some idea on the same?

I really dont understand your fascination about JF reversal for SBI CB card within first 2/3 weeks.
SBI CB card is the best card in its category , in some use cases it even beats some premium / super premium cards.. I wonder how it maintaned its postion inspite of some evil forces trying to dismantle it by running a persistent devaluation social media campaing for a very very long time..

and you got it with a very decent CL and many would feel that they got jackpot for what you had achieved and now you want to threaten SBI to close this card just for Rs999 + GST ..
Had you spent around 50K to 1L in 3 to 6 months and asked about JF reveral then there must have been some offer for you..
My only advise for you: just close your closing request ..
all the best !!

 

[Rishabh]

Congratulations on your SBI CB card with decent in fact good limit. There are tons of people holding this card with as less as 10K limit. 999 JF/AF can be waived of by spending 20000 online.

That’s the best and undisputed cash back card in India. But if you succeed getting JF waiver please share your success story here. But I’m not sure they will provide JF waiver.

It is 2 lac spend criteria not 20000 for fee waiver 🙂

 

[BVCBVC is verified member.]

It is 2 lac spend criteria not 20000 for fee waiver 🙂

I am talking about fees recovery. 2L is for waiver.

 

[BVCBVC is verified member.]

It is 2 lac spend criteria not 20000 for fee waiver 🙂

BTW if we are holding a SBI CB card and not spending 2L per annum, then that card doesn't suit Individual.

 

[Rishabh]

BTW if we are holding a SBI CB card and not spending 2L per annum, then that card doesn't suit Individual.

Why is it so? If making spend of only 1lac and manage to get 5k as cashback then also it is decent saving.

 

[sidp]

There are already multipl threads on same topic. One of them by our sr. Mod @Rkr which discusses both the risk and reward of cc cancellation method.

Thread 'Pro Tips to make a SBI card life time free'

Apr 13, 2023

Pro Tips-

Simple way to make Any basic to mid range SBI card LTF is to "Just raise a closure of card account request through Sbi card app .After few hours you will receive a call to ask a reason for cancellation ,there tell them Either make it Life time free or cancel the card.They will make your Card LTF.Done on my both sbi card and now both are LTF.Service request to make your card LTF is taken as PCT id is to be changed.You can check in service request tracking menu...

• Rkr

• 
• 
• 

One more-

Thread 'Sbi cashback Joining Fee reversal' https://www.technofino.in/community/threads/sbi-cashback-joining-fee-reversal.23078/

Should this be merged with existing thread. @Rkr @BVC

 

[ZoomZumba420]

Keep us updated

Well, as expected, they said that I am not yet eligible for fee waiver. So, they are unable to waive my fees.

Although I must add one thing. Really, a lot of people are scared about the fact thet SBI would close the card easily.

Well now, I can vouch for the fact that it's never the case that your card would be closed without your thorough persuasion. Even today, the CSA tricked me in conversation to get my confirmation and I received the sms "Thanks for reconsideration... blah blah".

So folks, don't be scared to raise a closure request to milk as much money as you can from your card!

And a lot of people are kinda bashing me for doing all these fee reversal drama. For that I don't have much to say. I am kinda "Chindi Cheapskater". Lol! And I'm not even an earning individual. So, I'm always up for tricking the system to milk money as much as possible.

And also, my father has Amazon Pay ICICI and I recently got HDFC Swiggy (again not LTF). And I have very much limited spending via credit card, being from a small town. That's why I was skeptical if the fees would justify the cashback I can accrue.

Like they always say, "Until we meet again!". Ciao.