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_]

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

I am expecting kindly wait till next bill generation?

Kindly confirm you have paid renewal fee for following card

Anyhow what is card variant ?

 

[RkrRkr is verified member.]

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

First pay then call customer care to reverse the charges via retention team...even you can try right now..

If inbetween you due date is falling then suggesting better pay and keep trying for reversal as well as LTF.

 

[bhaveshS]

First pay then call customer care to reverse the charges via retention team...even you can try right now..

If inbetween you due date is falling then suggesting better pay and keep trying for reversal as well as LTF.

If i spend 2 lakh + then i get reversal further i call retention for reversal to waived charges then i got 999 benefit

Profit?

 

[bhaveshS]

If i spend 2 lakh + then i get reversal further i call retention for reversal to waived charges then i got 999 benefit

Profit?

2 times waiver???

 

[RkrRkr is verified member.]

If i spend 2 lakh + then i get reversal further i call retention for reversal to waived charges then i got 999 benefit

Profit?

In that later on they will take back that profit..?

 

[anantnitish]

First pay then call customer care to reverse the charges via retention team...even you can try right now..

If inbetween you due date is falling then suggesting better pay and keep trying for reversal as well as LTF.

I paid the bill on 26th(annual charges was levied on 25th i.e end of the billing cycle.
I don't think I will be eligible for LTF since spends are very less rewarding around 70k(in which only 11k is being counted because when I applied for add on my primary card number aslo got changed)

 

[anantnitish]

I am expecting kindly wait till next bill generation?

Kindly confirm you have paid renewal fee for following card

Anyhow what is card variant ?

I have paid the fee also
Total outstanding is -1.
Simply click varient

 

[anantnitish]

Finance charges are related to interest.

I tried every combination
I get the same error that no charges has been levied

 

[helloworld]

If i spend 2 lakh + then i get reversal further i call retention for reversal to waived charges then i got 999 benefit

Profit?

somewhere you should stop otherwise they may cancel altogether.

 

[aamaadmi]

tried to close my simplyclick, got annaul fee refund immediately. Customer care said that they raised request for LTF. Wrote a mail to confirm the same. Got a call saying, they can reverse fee but not make it ltf. Will try next year i guess.

 

[Sahilhenzy]

If i spend 2 lakh + then i get reversal further i call retention for reversal to waived charges then i got 999 benefit

Profit?

Katai sochna mat tum. Profit kya ulta nuksaan hoga. Mera 3 times annual fee debit hua in the gap of (3 months) (excess annual fees) kitna muskil mene woh fees wapas liya hai main hi janta hu. Koi team help nhi karega tumhe agar 3 times kat gaya. Profit ka chakkar mein rone lagoge.

 

[Shubham Yadav]

Katai sochna mat tum. Profit kya ulta nuksaan hoga. Mera 3 times annual fee debit hua in the gap of (3 months) (excess annual fees) kitna muskil mene woh fees wapas liya hai main hi janta hu. Koi team help nhi karega tumhe agar 3 times kat gaya. Profit ka chakkar mein rone lagoge.

3 TIME CUT ???

 

[Sahilhenzy]

3 TIME CUT ???

Jalwa hai SBI ka😂

 

[bhaveshS]

Katai sochna mat tum. Profit kya ulta nuksaan hoga. Mera 3 times annual fee debit hua in the gap of (3 months) (excess annual fees) kitna muskil mene woh fees wapas liya hai main hi janta hu. Koi team help nhi karega tumhe agar 3 times kat gaya. Profit ka chakkar mein rone lagoge.

Aapne @jack333 bhai ne kiya hai isliye pucha m?

 

[jack333]

Aapne @jack333 bhai ne kiya hai isliye pucha m?

Wo agli statement me wapis le lete hain

 

[Sahilhenzy]

Wo agli statement me wapis le lete hain

Le lete hai? Kundli khotke nikal lete hai sab

 

[Sisyphus]

I have spent over 3L+ in the last 4 months since I got this card. What number / how to navigate IVR to get to the retention team to atleast waive the joining fees levied in the first month?

 

[RkrRkr is verified member.]

I paid the bill on 26th(annual charges was levied on 25th i.e end of the billing cycle.
I don't think I will be eligible for LTF since spends are very less rewarding around 70k(in which only 11k is being counted because when I applied for add on my primary card number aslo got changed)

Still no harm in negotiating for LTF...let them decide..If denying LTF then ask for reversal.

GO on call via customer care to retention team.

 

[Seth]

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

Joining fee revered?
Some are saying it's not possible.

I have rupay BPCL offer but don't want to pay 500+ gst as not much useful for me😂
If joining fee reversal trick works than I should try.

 

[Harry1]

Anyone with fees already waived due to 2L spends tried this?

My fees is reversed and card is also converted to LTF already. I still see this offer, but not having courage of clicking on last page, just in case they close the card😅.