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.

 

[Vineet_]

One of mine sbi cashback card anniversary date is near in April 24 months today I placed call directly for renewal free reversal she denied for same she told only card renewal fee charged in card after that payments only then we can decide for same till that please use further next month.

It was fyf that time should I wait for again call place card closure request seems scary any time sbi can closed if missed retention team call.

Kindly suggest till now my spend below 50k .

 

[mrbanker]

Got my SBI cashback to LTF, all thanks to this thread 🙂

 

[RkrRkr is verified member.]

One of mine sbi cashback card anniversary date is near in April 24 months today I placed call directly for renewal free reversal she denied for same she told only card renewal fee charged in card after that payments only then we can decide for same till that please use further next month.

It was fyf that time should I wait for again call place card closure request seems scary any time sbi can closed if missed retention team call.

Kindly suggest till now my spend below 50k .

If your need is Annual Fee waiver then wait as it will be better.

If you want to go for LTF then call next time and ask for LTF from retention team.

Always go on call....

 

[Tarun239]

Got my SBI cashback to LTF, all thanks to this thread 🙂

Kindly share your journey

 

[Tarun239]

@Rkr what should be the ideal time and ideal spend to try conversion of cash back and simply click card into ltf?

 

[RkrRkr is verified member.]

@Rkr what should be the ideal time and ideal spend to try conversion of cash back and simply click card into ltf?

There is no hard fast Rule only your card account age matters.

Still on call you can ask for LTF with retention team.

 

[mrbanker]

Kindly share your journey

Had the cashback card within a couple of months of its launch. So it was more than an year old. Had spends in every billing cycle and my total cb was a meagre 5k since the card activation. The first time I got attended by a lady agent who denied making it LTF. Then called the helpline the next day at around their start time in the morning and was attended by a male agent who seemed knowledgeable. He took the SR for PCT ID change and assured me that it would be converted to LTF. Confirmed today by mail and it's LTF 🙂

 

[RkrRkr is verified member.]

Had the cashback card within a couple of months of its launch. So it was more than an year old. Had spends in every billing cycle and my total cb was a meagre 5k since the card activation. The first time I got attended by a lady agent who denied making it LTF. Then called the helpline the next day at around their start time in the morning and was attended by a male agent who seemed knowledgeable. He took the SR for PCT ID change and assured me that it would be converted to LTF. Confirmed today by mail and it's LTF 🙂

Yes ,Keep Trying till you get desired result.
This formula always works.

 

[Tarun239]

Had the cashback card within a couple of months of its launch. So it was more than an year old. Had spends in every billing cycle and my total cb was a meagre 5k since the card activation. The first time I got attended by a lady agent who denied making it LTF. Then called the helpline the next day at around their start time in the morning and was attended by a male agent who seemed knowledgeable. He took the SR for PCT ID change and assured me that it would be converted to LTF. Confirmed today by mail and it's LTF 🙂

Congratulations on ltf card

 

[djrocky]

My SBI cashback card anniversary is in September and spends till now is around 80K. Last year I could meet the spend requirement but not sure if possible this year but don't want to risk closure of the card as of now.
1. Should I request for LTF request now or later after card anniversary?
2. Do I need to clear balance till date before calling ?
3. When is the best time to call - after monthly statement generation ?
4. Should I call customer care, ask for closure and same time ask them to transfer to retention time or waiting from call is only option?
5. Experts please suggest key points for negotiation which works.
6. As it's financial closing, will it be better to call now ?

Thanks in advance

 

[RkrRkr is verified member.]

My SBI cashback card anniversary is in September and spends till now is around 80K. Last year I could meet the spend requirement but not sure if possible this year but don't want to risk closure of the card as of now.
1. Should I request for LTF request now or later after card anniversary?
2. Do I need to clear balance till date before calling ?
3. When is the best time to call - after monthly statement generation ?
4. Should I call customer care, ask for closure and same time ask them to transfer to retention time or waiting from call is only option?
5. Experts please suggest key points for negotiation which works.
6. As it's financial closing, will it be better to call now ?

Thanks in advance

For LTF you can ask/anytime even today but suggesting go via call to retention team.

For fee reversal, let the fee first charged then only it can be reversed.Simple logic..

 

[Vineet_]

For LTF you can ask/anytime even today but suggesting go via call to retention team.

For fee reversal, let the fee first charged then only it can be reversed.Simply logic..

It seems correct as @Rkr said only after charging only renewal fee sbi cashback card a/c hope fully reverse fee if fyf issued.

After this

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...

www.technofino.in

I again placed call directly to sbi cc asked to connect retention team i need ltf card or i repeated several times to connect with retention team but he didn't agreed then he said only after charge in card fee we can do something.

Any how i disconnected call & after an hour i can see in track request section one request he raised for retail card closure - card a/c closure without any conversation & consent i accidently checked the tracked request section request still open any how i made 100 rs immediate transaction for keep due .

@Rkr any suggestion to avoid this mess in call as well . If i forget to see track request section then card will closed any day i feel without any consent or customer request.

 

[RkrRkr is verified member.]

It seems correct as @Rkr said only after charging only renewal fee sbi cashback card a/c hope fully reverse fee if fyf issued.
I again placed call directly to sbi cc asked to connect retention team i need ltf card or i repeated several times to connect with retention team but he didn't agreed then he said only after charge in card fee we can do something.

Any how i disconnected call & after an hour i can see in track request section one request he raised for retail card closure - card a/c closure without any conversation & consent i accidently checked the tracked request section request still open any how i made 100 rs immediate transaction for keep due .

@Rkr any suggestion to avoid this mess in call as well . If i forget to see track request section then card will closed any day i feel without any consent or customer request.

If they are taking request for LTF then request id will be PCT Id change request..If PCT id change request taken means LTF request taken....


If on call with retention team is not agreeing on LTF then poliety tell them like give me some time to decide what to do with this card and clearly tell the same.Dont proceed with closure of card.Drop the call after telling what i have told before and again try after week for LTF.

 

[Tarun239]

It seems correct as @Rkr said only after charging only renewal fee sbi cashback card a/c hope fully reverse fee if fyf issued.

After this

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...

www.technofino.in

I again placed call directly to sbi cc asked to connect retention team i need ltf card or i repeated several times to connect with retention team but he didn't agreed then he said only after charge in card fee we can do something.

Any how i disconnected call & after an hour i can see in track request section one request he raised for retail card closure - card a/c closure without any conversation & consent i accidently checked the tracked request section request still open any how i made 100 rs immediate transaction for keep due .

@Rkr any suggestion to avoid this mess in call as well . If i forget to see track request section then card will closed any day i feel without any consent or customer request.

Why was ur call not connected to retention team??

 

[Vineet_]

Why was ur call not connected to retention team??

Two times tried in 3 days gap no luck agent not agreed to connect instead last one raised card closure without inform as i mentioned previous.

 

[Tarun239]

Two times tried in 3 days gap no luck agent not agreed to connect instead last one raised card closure without inform as i mentioned previous.

This is quite unusual, ur card variants and how much spend?

 

[djrocky]

For LTF you can ask/anytime even today but suggesting go via call to retention team.

For fee reversal, let the fee first charged then only it can be reversed.Simple logic..

Thanks to you and community, was able to convince in the call to close or make it LTF.

Pct id request taken so hopefully no need to check further.
On the flip side, it seems devaluation may be coming.

 

[RkrRkr is verified member.]

Thanks to you and community, was able to convince in the call to close or make it LTF.

Pct id request taken so hopefully no need to check further.
On the flip side, it seems devaluation may be coming.

This card is already on lots of exclusions.

Anyway good to see the result of efforts put.

Keep learning keep sharing.

 

[anantnitish]

I wanted to reverse the reverse the annual charges levied on my card.
On 25th of March the charges were levied, whenever I try to reverse the charges I get this error

 

[varun__goel_]

I wanted to reverse the reverse the annual charges levied on my card.
On 25th of March the charges were levied, whenever I try to reverse the charges I get this error

Finance charges are related to interest.