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]

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

I told him please transfer limit and close the card.
But he closed the card first and transferred all the limit to active card. And yes, all happened in same phone call.

 

[vijay.vj]

9 months old simplysave card. Applied SBI CB later, got rejected
Last 3 months, above 2L spends.

Sent email to SBI asking for LTF conversion, got rejected.

As a bonus, 1.25L CL got revised to 75k now.

Whats the way forward....

 

[Premium]

Converted my SBI Pulse card to LTF.

I didn't request for card closure instead wrote a polite mail to customer care for conversation.

First mail to customer care they rejected instantly.

Then the same mail forwarded to the pno & this did the trick.

Card age and usage? Simply asked them for ltf on usage basis?

 

[Jhon Anand]

Thanks @Rkr , this was my second attempt and I was able to get it.

Timeline for simplyclick LTF:
Attempt 1
Card is around 10 months old with 2L+ spends
Raised closure request via app
Received call from retention team in 10 mins .
Denied LTF stating that already fee waiver satisfied.
Lady was polite and good, asked to try next year again.

Attempt 2
Card is around 1.5 years old with 98k spends.
Called customer care saying that I've better cards with 5L+ limit and other cards which are LTF so I wanna close it. They raised closure request and transferred to retention team. I said I would keep it if you guys make it LTF and increase limit. The guy was also pretty sweet and said sure I'm making it LTF and raised the request, also sent mail for documents for limit increase.
Now I'm waiting for request to close and get LTF confirmation sms

Overall I'm pretty satisfied with SBI customer care, they're one of the sweetest agents to talk to even for other issues.

 

[CARDiologist]

Card age and usage? Simply asked them for ltf on usage basis?

2 years old.Crossed 6L in previous year & not even crossed 1L this year.

Yes

 

[RkrRkr is verified member.]

Thanks @Rkr , this was my second attempt and I was able to get it.

Timeline for simplyclick LTF:
Attempt 1
Card is around 10 months old with 2L+ spends
Raised closure request via app
Received call from retention team in 10 mins .
Denied LTF stating that already fee waiver satisfied.
Lady was polite and good, asked to try next year again.

Attempt 2
Card is around 1.5 years old with 98k spends.
Called customer care saying that I've better cards with 5L+ limit and other cards which are LTF so I wanna close it. They raised closure request and transferred to retention team. I said I would keep it if you guys make it LTF and increase limit. The guy was also pretty sweet and said sure I'm making it LTF and raised the request, also sent mail for documents for limit increase.
Now I'm waiting for request to close and get LTF confirmation sms

Overall I'm pretty satisfied with SBI customer care, they're one of the sweetest agents to talk to even for other issues.

Just check in service request history if PCT Id change request is registered means LTF.

 

[Jhon Anand]

Just check in service request history if PCT Id change request is registered means LTF.

It's there and showing target date as 29th Aug, raised on 25th Aug but status is closed. Does this mean it's now LTF ?

 

[Deepak_Shetty]

It's there and showing target date as 29th Aug, raised on 25th Aug but status is closed. Does this mean it's now LTF ?

Y e s

 

[RkrRkr is verified member.]

It's there and showing target date as 29th Aug, raised on 25th Aug but status is closed. Does this mean it's now LTF ?

Yes.Its ltf now.

 

[Tarun239]

Is ltf trick working now?I spent around 1.4 lakh on 1 year old cash back card, they denied for ltf. They said u have not spent much. I thought 1.4 lakh was quite decent in a year.

 

[CARDiologist]

Is ltf trick working now?I spent around 1.4 lakh on 1 year old cash back card, they denied for ltf. They said u have not spent much. I thought 1.4 lakh was quite decent in a year.

Fee waiver criteria for SBI CB is 2L. You have to spend more than that to request for LTF. Also, they are less likely to convert CB card into LTF.

 

[Tarun239]

Ok, yaa I know regarding fees waiver criteria,i thought if I would have spent more than 2 lakhs, they would have said u already got fee waiver, try for next year.

Fee waiver criteria for SBI CB is 2L. You have to spend more than that to request for LTF. Also, they are less likely to convert CB card into LTF.

 

[hellobois]

Ok, yaa I know regarding fees waiver criteria,i thought if I would have spent more than 2 lakhs, they would have said u already got fee waiver, try for next year.

This card is in huge demand now. Earlier they used to consider LTF request but now they are very choosy.
Spend more than 2.5L and place the card closure request just after any big spend. They may consider your request.

 

[CyberPsych]

place the card closure request just after any big spend.

Some random lunch time thing in SBI, card may get closed

 

[sumit_yadav]

When you place the request for card closure, they ask for the reason in the App. There is an option that it is due to Fee/ charges. When you choose that, it will do some processing and offer Fee waiver. Avail that option and do not move forward with the card closure.

 

[CyberPsych]

When you place the request for card closure, they ask for the reason in the App. There is an option that it is due to Fee/ charges. When you choose that, it will do some processing and offer Fee waiver. Avail that option and do not move forward with the card closure.

Oh okay, I didn't know there is an option in the app. I thought we should send email or phone call. Thanks for this.

 

[CyberPsych]

Fee waiver criteria for SBI CB is 2L. You have to spend more than that to request for LTF. Also, they are less likely to convert CB card into LTF.

Can I ask for BPCL LTF after 13th month? I have already spent more than 1L and still 2 months to go for 1 year completion.

 

[harsh1387]

When you place the request for card closure, they ask for the reason in the App. There is an option that it is due to Fee/ charges. When you choose that, it will do some processing and offer Fee waiver. Avail that option and do not move forward with the card closure.

Can we do this for every Sbi card. If there is option I would like to do this for my Sbi Elite card.

 

[BVCBVC is verified member.]

Just getting this offer on the banner on clicking it is saying BPCL 499 card with split with the existing card limit. I already have less limit on my SBI cards, will there be any chances of increase in credit limit on opting this pre approved card??

 

[sumit_yadav]

Can we do this for every Sbi card. If there is option I would like to do this for my Sbi Elite card.

Goto Service > Card Closure Request, try and see if you get the automatic fee waiver option in the process. Don't place the closure request if you fear if they actually close the card.

I am waiting for the email response and will try it. I am going to pay the annual fee.