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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.
 
I have got Life Time Free offer my SimplyCLICK credit card 10days before when I asked to close the card.

In the Credit Limit change page, my card is shown as SimplyCLICK Advantage card now. I don't remember seeing it as ADVANTAGE card before.

Has the card been changed to SimplyCLICK Advantage card? Has anyone observed this change after Life Time Free offer?
 
I have got Life Time Free offer my SimplyCLICK credit card 10days before when I asked to close the card.

In the Credit Limit change page, my card is shown as SimplyCLICK Advantage card now. I don't remember seeing it as ADVANTAGE card before.

Has the card been changed to SimplyCLICK Advantage card? Has anyone observed this change after Life Time Free offer?
Nope

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Hi

I didn't knw sbi offered to convert cards to LTF similar to hdfc until I saw this thread.

Now, what are my chances of getting the sbi Cashback card LTF? I used to have a salary account with sbi but now it got converted to savings account.
 
For SBI simply click, wait for 1 year, and try the card cancellation trick. It will be done... if you have spends on fee wairver, they them self will offer LTF to not close the card
 
Sometimes Advantage is also unsecured. For example, I have SimplyCLICK since 2022 (it said only SimplyCLICK, not SimplyCLICK Advantage). In 2024 I closed it as they refused to make it LTF. 15 days later they called and begged to reactivate it so I agreed. After that it says SimplyCLICK Advantage. And no, I don't have any FD in SBI. Finally in 2025 it's made LTF because I made enough spends for them to have no argument left
 
Sometimes Advantage is also unsecured. For example, I have SimplyCLICK since 2022 (it said only SimplyCLICK, not SimplyCLICK Advantage). In 2024 I closed it as they refused to make it LTF. 15 days later they called and begged to reactivate it so I agreed. After that it says SimplyCLICK Advantage. And no, I don't have any FD in SBI. Finally in 2025 it's made LTF because I made enough spends for them to have no argument left
Same, after conv of my sbi simplyclick card to LTF I observed that the name changed to advantage.
 
My SBI Cashback card issued Sep 2022 was converted to LTF on request via email. They declined at each level but I kept escalating to their higher ups and the PNO finally took the request and converted it to LTF and also reversed the Annual fee that was charged last month.
May I know how did you reach PNO level?
 
Sometimes Advantage is also unsecured. For example, I have SimplyCLICK since 2022 (it said only SimplyCLICK, not SimplyCLICK Advantage). In 2024 I closed it as they refused to make it LTF. 15 days later they called and begged to reactivate it so I agreed. After that it says SimplyCLICK Advantage. And no, I don't have any FD in SBI. Finally in 2025 it's made LTF because I made enough spends for them to have no argument left
Same, after conv of my sbi simplyclick card to LTF I observed that the name changed to advantage.

maybe they kept the name after taking "advantage" of their support 😀

generally, advantage means fd card in sbicard.
 
I got SBI CB card in Feb 2024. Spent 2L by the statement generation date of Feb 2025. But I was charged Annual fee and upon contacting customer care, they said spends till Jan 31 (Rs 1.86L) only will be considered as Annual spends for my card.

They also said there's no option of fee waiver for my card.

Any suggestions?
 
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