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Pro Tips to make a SBI card life time free

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.
 
How you made ICICI coral and Yes Elite LTF?
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.

 
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?
 
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 ka bhi ace card hain? 😁
 
LOL I love this idea! Integrating fee reversal right into the app since so many people must be raising closure request due to fees🤣👌🏼
Off topic question, I have ril card and asked for joining fees refund, which they provided but also asked me to pay the due amount, as they refunded after the statement cycle. On the app i see 0 outstanding, should I stillake payment for it?
 
Here is what I did.

Wanted Rupay card but got Master card of simplyclick.
Sent email for converstion to Rupay, got denied.
Sent email for existing mastercard LTF, they denied.

Raised closure request, then made a dummy transaction to prevent them from closing.
Got call from retention team, asked for reason. Simply said I needed CC for UPI payments, and they denied me rupay card. He said they give it only to customers who have offer for Rupay, which I dont. He asked me wait a little longer... and he offered to reverse my joining fees which I paid 2-3 months ago.

I accepted for time being
 
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