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.

 

[bigbyte]

Heard some stories recently regarding SBI closing cards without calling or on retention. So just be ware of that.

That's why I'll call and ask them to close, won't raise request on app.
And even if they close it , i don't mind. I have another SBI card, Simply Save. Would be better if they transfer limit of Simply Click before closing it.

 

[isthisme]

Good to see,people earlier used this trick.

I hold Simplyclick+ Sbi Cashback Card. I got simplyclick in around January. Can I try this trick now? Or should I wait till December?

 

[Das.N]

I hold Simplyclick+ Sbi Cashback Card. I got simplyclick in around January. Can I try this trick now? Or should I wait till December?

Minimum card age should be 1 year for this process.
Don't raise close request now, otherwise your card can be closed

 

[bigbyte]

They are not converting my 4 year old Simply Click to LTF.
Statement date is near, need to call them today for closure before they charge me annual fee.

My experiment failed.
When I called to close the card, the cc executive told me that I have met the spend based waiver criteria for the year already so fee will be charged and reversed.

 

[Hemang]

My experiment failed.
When I called to close the card, the cc executive told me that I have met the spend based waiver criteria for the year already so fee will be charged and reversed.

Mera bhi yahi bolke Dil Tod diya ki sir ek saal to chalao aise hi fir band Kara lena.😆 Waiver to apko mil gaya hai iss year ka.

 

[Jeevan rao]

Mera bhi yahi bolke Dil Tod diya ki sir ek saal to chalao aise hi fir band Kara lena.😆 Waiver to apko mil gaya hai iss year ka.

You can try again after 2-3 days. I had called them thrice in the same day, they declined first 2 times but agreed to make it ltf the 3rd time!

 

[bigbyte]

My experiment failed.
When I called to close the card, the cc executive told me that I have met the spend based waiver criteria for the year already so fee will be charged and reversed.

Today, I decided that even if the card is free for next one year, I have no use and hence no need for an extra card account.
Called SBI again, and after 20 minutes marathon call, I was successfully able to close of my card and transfer the limit to other card.

Also, the CC executive was always saying that we'll reverse the fee if you are unable to meet spend based waiver criteria but not for once he told that I can make it LTF and even I didn't ask him to make it LTF.

 

[Tarun239]

You can try again after 2-3 days. I had called them thrice in the same day, they declined first 2 times but agreed to make it ltf the 3rd time!

Plz share card age and spends

 

[RkrRkr is verified member.]

I hold Simplyclick+ Sbi Cashback Card. I got simplyclick in around January. Can I try this trick now? Or should I wait till December?

Wait till renewal month..
Try just one month before...
And try to go through customer care route.

 

[RkrRkr is verified member.]

The polite email for LTF conversion of my Cashback card did not work. The card is almost 2 years old (got it in the early days after the launch).

Total spends on the card till date is >5 lakh most of which came in the first year before the devaluation. 😉
Will have to try again next month when the Annual fee strikes.

Yes .....Either you will get fee waiver or LTF..
Anything is possible...

 

[BVCBVC is verified member.]

Wait till renewal month..
Try just one month before...
And try to go through customer care route.

My recent interaction with SBI customer care team, they didn't accept for SBI Prime card LTF or annual fee reversal. I had only 2 options:

1. Downgrade to simply save or Simply Click with JF and AF.
2. Continue with existing SBI Prime card.
3. Close the card

Limit transfer from SBI Prime to SBI CB card was also not getting processed due to some error.



So I had downgraded my card.

 

[RkrRkr is verified member.]

My recent interaction with SBI customer care team, they didn't accept for SBI Prime card LTF or annual fee reversal. I had only 2 options:

1. Downgrade to simply save or Simply Click with JF and AF.
2. Continue with existing SBI Prime card.
3. Close the card

Limit transfer from SBI Prime to SBI CB card was also not getting processed due to some error.

View attachment 65873

So I had downgraded my card.

Prime is their Mid premium tier card so bit difficult to get LTF but since already downgraded to lower varriant the Try later on to make it LTF..

 

[BVCBVC is verified member.]

Yes .....Either you will get fee waiver or LTF..
Anything is possible...

BTW they denied the call transfer to Retention team. And they were offering me Elite card for 4999 Annual fees on Rupay or Visa variant. I said No as Limited BMS seats for SBI Elite now. So not sure how can we manage that.

 

[BVCBVC is verified member.]

Prime is their Mid premium tier card so bit difficult to get LTF but since already downgraded to lower varriant the Try later on to make it LTF..

Just holding the SBI Prime for the limit on the card, so that some day I can transfer that to SBI CB Card. Now downgraded card. Only for merchant offers. They are denying LE too.

 

[Jeevan rao]

Plz share card age and spends

1.3 years & 1.86L spends

 

[pjain2712]

You can try again after 2-3 days. I had called them thrice in the same day, they declined first 2 times but agreed to make it ltf the 3rd time!

which card ?

 

[bigbyte]

SBI cards seem to be in different mood these days denying most LTF conversion requests.
They are ready to waive off AF but very few LTF conversion.

 

[panu24]

My recent interaction with SBI customer care team, they didn't accept for SBI Prime card LTF or annual fee reversal. I had only 2 options:

1. Downgrade to simply save or Simply Click with JF and AF.
2. Continue with existing SBI Prime card.
3. Close the card

Limit transfer from SBI Prime to SBI CB card was also not getting processed due to some error.

View attachment 65873

So I had downgraded my card.

How to downgrade Sbi prime card to simply save card? Should I call customer care and ask them or ask them to connect retention team and then ask for downgrade to retention team?

 

[Jeevan rao]

which card ?

SBI Simply Click

 

[mshenoy]

Today, I decided that even if the card is free for next one year, I have no use and hence no need for an extra card account.
Called SBI again, and after 20 minutes marathon call, I was successfully able to close of my card and transfer the limit to other card.

Also, the CC executive was always saying that we'll reverse the fee if you are unable to meet spend based waiver criteria but not for once he told that I can make it LTF and even I didn't ask him to make it LTF.

Can you explain process of limit transfer and closure. Did you ask them close card and limit transfer and instantly closed with limit transferred to another card