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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.
 
internet banking mein mujhe ye cards dikha rahe hai kya ye pre approved hai ? kya mai jispar bhi klik karunga 100% approve ho jaega? mujhe bpcl octane card apply karna hai par vo isme nahi kya vo mai sprint site se apply karunga toh mill jaega kya ? currently i am using simply save with limit 99k which was i get in nov 2024 or iss card par maine 2L spends kar diye hai ab tak.
 

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internet banking mein mujhe ye cards dikha rahe hai kya ye pre approved hai ? kya mai jispar bhi klik karunga 100% approve ho jaega? mujhe bpcl octane card apply karna hai par vo isme nahi kya vo mai sprint site se apply karunga toh mill jaega kya ? currently i am using simply save with limit 99k which was i get in nov 2024 or iss card par maine 2L spends kar diye hai ab tak.
Not pre-approved. Normal application process.
 
internet banking mein mujhe ye cards dikha rahe hai kya ye pre approved hai ? kya mai jispar bhi klik karunga 100% approve ho jaega? mujhe bpcl octane card apply karna hai par vo isme nahi kya vo mai sprint site se apply karunga toh mill jaega kya ? currently i am using simply save with limit 99k which was i get in nov 2024 or iss card par maine 2L spends kar diye hai ab tak.
This is shown to every sbi netbanking user. Not pre-approved offer.
 
Hello All, I have being charged annual fee on 20th April which is my statement date. I have few doubts
1. How can I check what was my spend in previous year and am I eligible for fee waiver or not?
2. If I am eligible for fee waiver then when will be reversed ?
 
Hello All, I have being charged annual fee on 20th April which is my statement date. I have few doubts
1. How can I check what was my spend in previous year and am I eligible for fee waiver or not?
2. If I am eligible for fee waiver then when will be reversed ?
1. Check from spend analyzer in the app.

2. It will be reversed automatically before the generation of next statement.
 
1. Check from spend analyzer in the app.

2. It will be reversed automatically before the generation of next statement.
What time frame should I select I made my first transaction on 13th April 2024(I don't remember when was it issued)and first statement was on 20th April 2024.
 
What time frame should I select I made my first transaction on 13th April 2024(I don't remember when was it issued)and first statement was on 20th April 2024.
Well, that’s different for everyone. You need to find out your anniversary date either by email or by calling customer care. They will give you the exact date.

While they tell you the date, you can put the phone on speaker and check it in the app at the same time.

Make sure to write it down somewhere, as it follows a recurring cycle and will be useful for checking milestones or fee waivers.

If you X, just send a dm to SBICards, they will call you back. Just a word of caution, there are tons of fake sbicards X account, make sure you send message to the right one or else email as I said earlier.
 
What time frame should I select I made my first transaction on 13th April 2024(I don't remember when was it issued)and first statement was on 20th April 2024.
The following was told to me by customer care.

If your card activation date is Feb 15, 2024, spends between Feb 15, 2024 and Jan 31, 2025 will be considered for first year annual spends

I don't know what kind of stupid logic is that. I had spent 2L on my Cashback card by Feb 20, 2025, but I was charged Annual fee stating i had spent 1.89L only till Jan 31 and they're not providing waiver either
 
The following was told to me by customer care.

If your card activation date is Feb 15, 2024, spends between Feb 15, 2024 and Jan 31, 2025 will be considered for first year annual spends

I don't know what kind of stupid logic is that. I had spent 2L on my Cashback card by Feb 20, 2025, but I was charged Annual fee stating i had spent 1.89L only till Jan 31 and they're not providing waiver either
That is not true. You can simply ignore it.

Milestone is active from Card activation date. You can now check that date on the app itself. Click more on bottom navigation strip and click on milestone hub. Do the calculations based on this date for previous year and you will get the answer
 
That is not true. You can simply ignore it.

Milestone is active from Card activation date. You can now check that date on the app itself. Click more on bottom navigation strip and click on milestone hub. Do the calculations based on this date for previous year and you will get the answer
How to check bro I'm not seeing anything related to how much i did spend...!
 
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