Pro Tips to make a SBI card life time free

[RkrRkr is verified member.]

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.

Caution:-If you holding multiple cards of SBI then kindly do this process at one card at a time only.Do on other card after at least month. If at any point SBI Card is not agreeing on LTF and offering you Annual Fee waivers only then Accept Fee waivers at that moment and Apply the same trick Again after 1 or 2 months for LTF.
IF ANYONE HAVING ANY SPECEFIC CONCERN THEN DO DM.

Edit 1-If afterall anyone missed the call from retention team then they can simply call customer care and there simply tell them to connect/transfer you call to retention team as i want to discuss regarding my card closure request.They will connect you to their retention team and now there you can project the above trick to get your card LTF ..


Edit 2(09 July 2023)-Even people have made sbi cards having fee upto 1499 LTF and even higher varriant cards you will get equivalent reward points or miles or annual fee waiver in place of LTF.

Edit 3(15 October 2023)- Even people have made their SBI cashback credit card LTF by their skill of negotiation.

Edit 4-Now a days SBI Cards sometime,closing the card without calling so suggest now dont place request through app by self .Call customer care directly and ask them for LTF/fee waivers or to transfer the call to retention team for doing the same.

 

[hackymanoj]

How old was your cashback card?

14 months old. Opened in Nov - 22

 

[prc1990]

With this I hold only two paid cards out of 23 cards.

1. SBI Simply Click - LTF
2. SBI Cashback - LTF
3. Axis Myzone - LTF
4. HDFC DCB Plastic - LTF
5. Axis Kiwi - LTF
6. Axis Flipkart - Paid
7. HSBC Platinum - LTF
8. ICICI Amazon - LTF
9. ICICI Coral Rupay - LTF
10. Yes Bank Elite - LTF
11. IDFC First select - LTF
12. IDFC First Select - LTF (Somehow I got this)
13. ICICI Platinum - LTF
14. One card - LTF
15. RBL Platinum Maxima Plus - Paid(Yearly fee can easily be reversed by calling CS)
16. HDFC Tata Neu - LTF
17. BOB Premier - LTF
18. Kotak Rupay - LTF
19. Kotak 811 - LTF
20. Indusind Pinnacle - LTF
21. Yes Bank Rupay - LTF
22. AU LIT - LTF
23. PNB Select - Paid but no yearly fees if you spend atleast once in a quarter.

How Kotak Rupay LTF?

 

[prc1990]

ICICI Coral is Virtual Rupay and everyone received this offer last year. I threatened to close my Ace credit card, the retention team said they will upgrade to Yes elite and make it LTF.

Yes Bank Credit card Closure

I Applied Yes Bank credit card just for fun.. They offered basic ace card with 3lakh limit.. I was FYF card.. So later i thought I will Bargain for LTF. WITH In a app I applied for closure and got following message. Plz guide.. @jack333 @4uziaul @Tejo @D₹V

www.technofino.in

Yes bank ka bhi ace card hain? 😁

 

[NShah]

Yes bank ka bhi ace card hain? 😁

Yes
https://www.yesbank.in/personal-banking/yes-individual/cards/credit-cards/ace-credit-card . . .

 

[hackymanoj]

How Kotak Rupay LTF?

This is virtual card rupay card which is LTF for most of the customers.

 

[prc1990]

This is virtual card rupay card which is LTF for most of the customers.

Sorry I thought it is Kotak Myntra Rupay LTF 🦁.

 

[vishalprasad]

Today itself i got a call from customer care asking for Tata card (Tata cobranded SBI Card) LTF in response to my closure request. I asked for upgrading it to SBI Cashback, He denied and asked me 10 times if I want to convert the card into LTF, But since I actually wanted to close the card, I went ahead with closing it.

 

[er.jaisingh]

Recently I made simply click sbi LTF by closure request when will I proceed this LTF for cashback SBI ? ..any suggestions, please provide some wisdom..

 

[SSV]

Recently I made simply click sbi LTF by closure request when will I proceed this LTF for cashback SBI ? ..any suggestions, please provide some wisdom..

Before providing the wisdom please provide us the CB card history and details

 

[er.jaisingh]

Before providing the wisdom please provide us the CB card history and details

2 plus years, gave them 2nd year fees and with 2 lakh plus limit shared with simply click, 2 days back simply click got LTF,using exlusively for all 5% cashback, spends greater then 20k per months.

 

[SSV]

2 plus years, gave them 2nd year fees and with 2 lakh plus limit shared with simply click, 2 days back simply click got LTF.

Most important bit is how much did you spend?? Year wise??

 

[Zulu]

I used the trick and got fee reversal for CASHBACK card. Then funny part, I used same method for SimplyClick. On 7th day when I was busy on another call, retention team called once and Obviously I missed the call within 10 seconds I received card cancelation msg. CC informed me the card is gone. I will apply another card so didn't press them. Point is don't miss the RING!

 

[Tarun239]

I placed a card closure request through app for sbi irctc card on 4 th march mentioning annual fees as the reason, waited for call from customer care, today card got closed without any call from customer care. I am bit surprised as I expected call from retention team. Card more than 1 yr old. So now maybe this method may or may not work, it did not work in my case today. Fortunately, irctc card was of no use for me presently, but will not try this method with other sbi cards, it is actually risky for useful cards.

 

[Deepak_Shetty]

I placed a card closure request through app for sbi irctc card on 4 th march mentioning annual fees as the reason, waited for call from customer care, today card got closed without any call from customer care. I am bit surprised as I expected call from retention team. Card more than 1 yr old. So now maybe this method may or may not work, it did not work in my case today. Fortunately, irctc card was of no use for me presently, but will not try this method with other sbi cards, it is actually risky for useful cards.

How was your spend pattern? Is it above 50k in last year?

 

[SSV]

I placed a card closure request through app for sbi irctc card on 4 th march mentioning annual fees as the reason, waited for call from customer care, today card got closed without any call from customer care. I am bit surprised as I expected call from retention team. Card more than 1 yr old. So now maybe this method may or may not work, it did not work in my case today. Fortunately, irctc card was of no use for me presently, but will not try this method with other sbi cards, it is actually risky for useful cards.

If you dont get any call within 5 days or so, you ned to call customer care and ask for rentention team for the closure request you raised..
They will connect you.. and there depending upon your profile , negotiations will happen

 

[Tarun239]

Apart from irctc, I had 2 other sbi cards, usage was mainly on them(octane and cashback), irctc was used not much, but still seeing the pattern, march month, expected call from retention team, so bit surprised with series of events.

 

[SSV]

Apart from irctc, I had 2 other sbi cards, usage was mainly on them(octane and cashback), irctc was used not much, but still seeing the pattern, march month, expected call from retention team, so bit surprised with series of events.

I had not received a call from SBI cards for my cashbak card closure request on which I spent around 7 lakhs about 3 months ago..
what do you say about this ??

 

[Tarun239]

I had not received a call from SBI cards for my cashbak card closure request on which I spent around 7 lakhs about 3 months ago..
what do you say about this ??

Quite unbelievable, so it means they do close without calling.

 

[SSV]

Quite unbelievable, so it means they do close without calling.

May / may not be.. I didnt wait until 7 days/ 10 days .. I called them after 5 days, within one minute they made it LTF. my LTF offer was already lying there when I called them up.
Now tell me what happened.

 

[Tarun239]

In my case i was waiting for their call, so maybe calling and connecting to customer care is safer option rather than placing request on app.