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.

 

[nikhilv0303]

have cashback card. have used it for like 4-5L already, it's on 1st yr, renew on feb'25. Will it work if I ask for LTF?

Usually they don’t do it before 2 years.. you should try end of end year just before fees gets applied

 

[HumorSimpson]

have cashback card. have used it for like 4-5L already, it's on 1st yr, renew on feb'25. Will it work if I ask for LTF?

I requested them exactly after an year for my sbi cashback card and they did. Even my spends at that time where 5L +

 

[s1t2y3a3m6]

I requested them exactly after an year for my sbi cashback card and they did. Even my spends at that time where 5L +

Which card ? CB ?

 

[HumorSimpson]

Which card ? CB ?

Yes as mentioned. In the first 6 months of its launch it didn't had restrictions on merchants, education fee, GRT online gold schemes etc rewarded me 5% , leading to lakhs of spends on this card 💳

 

[s1t2y3a3m6]

Yes as mentioned. In the first 6 months of its launch it didn't had restrictions on merchants, education fee, GRT online gold schemes etc rewarded me 5% , leading to lakhs of spends on this card 💳

Those days were actually amrit kal

Btw they rejected my request

 

[Sree CC]

Yes as mentioned. In the first 6 months of its launch it didn't had restrictions on merchants, education fee, GRT online gold schemes etc rewarded me 5% , leading to lakhs of spends on this c

In March, Two of my friends went for closure.
One was successful (Simply Click-5yrs)
One got closed (SBI BPCL- 1.5YRS)

 

[HumorSimpson]

In March, Two of my friends went for closure.
One was successful (Simply Click-5yrs)
One got closed (SBI BPCL- 1.5YRS)

🤔 Both succeeded in closing?

 

[mailmenow]

In March, Two of my friends went for closure.
One was successful (Simply Click-5yrs)
One got closed (SBI BPCL- 1.5YRS)

U mean simply click got converted to LTF?

 

[b4bhar]

have cashback card. have used it for like 4-5L already, it's on 1st yr, renew on feb'25. Will it work if I ask for LTF?

No, they can't do anything if the card's age is less than 1 year.

 

[Sree CC]

🤔 Both succeeded in closing?

🙄 Simply Click was converted to LTF though it had less spends. whereas BPCL was not considered inspite of good usage

 

[Saral]

always have pending amount even of 1rs...they wont close it before clearning it

 

[Sree CC]

U mean simply click got converted to LTF?

Yes .. ...

 

[mailmenow]

No, they can't do anything if the card's age is less than 1 year.

Not at all. Someone reported in the community that their sbi card got converted to LTF within 1 yr having high spends

 

[mailmenow]

always have pending amount even of 1rs...they wont close it before clearning it

Actually u can mark a mail to customer service head or via twitter. They will call you . Also they also check the offer is available or not by placing a request "account closure"(not actually closing the card) . That's the better way. Otherwise make a due immediately after raising closure request via app

 

[mojo_jojo123]

I requested them exactly after an year for my sbi cashback card and they did. Even my spends at that time where 5L +

can you guide on how to request for conversion of paid CC to LTF ?

 

[HumorSimpson]

can you guide on how to request for conversion of paid CC to LTF ?

CustomerServiceHead<at>sbicard<dot>com

subject: Requesting LTF for SBI CB card

I hold an SBI CB card with the last 4 digits as 1234. I have been a heavy user in the past year and did get an annual fee waiver. BUT I would like to have only an LTF card in my wallet. So please consider making my card an LTF.

 

[hellowo₹ld]

have cashback card. have used it for like 4-5L already, it's on 1st yr, renew on feb'25. Will it work if I ask for LTF?

You have more free time and good chances. Even if not now, can continue asking before renew feb'27.

 

[sumit_yadav]

If the spends are more than 2L they why care asking. I was able to cross 2L in first year (got it when it was launched). Next year after the devaluation, I was not able to spend as much so paid the fee and sent the email to convert to LTF. They denied via email. Did not reply for a month then escalated to nodal officer and they rejected again. Now after another month I escalated to PNO and then I received the call, they initially rejected on the call but the guy said let me check and confirmed verbally that he will convert. I sent another email to get a written confirmation that it was converted to LTF.
My renewal was in Sept and I did not see any fee in the latest statement I received.

 

[yogs]

If the spends are more than 2L they why care asking. I was able to cross 2L in first year (got it when it was launched). Next year after the devaluation, I was not able to spend as much so paid the fee and sent the email to convert to LTF. They denied via email. Did not reply for a month then escalated to nodal officer and they rejected again. Now after another month I escalated to PNO and then I received the call, they initially rejected on the call but the guy said let me check and confirmed verbally that he will convert. I sent another email to get a written confirmation that it was converted to LTF.
My renewal was in Sept and I did not see any fee in the latest statement I received.

Exactly, if spends are more than 2L then why people asking LTF that too 1st or 2nd year of card. If spends not achieved then it's worth a shot.

 

[hellowo₹ld]

Exactly, if spends are more than 2L then why people asking LTF that too 1st or 2nd year of card. If spends not achieved then it's worth a shot.

lets say (as an example), we spent 2L every year for 3 to 4 years and get the fee waiver.. Suddenly bank either starts distributing the cards as LTF to "new" applicants or converting 1 or 2 year people based on their "luck" to LTF. As a general human, we might also think that since we're with that bank 3 to 4 years, we should get the same "LTF" status, but banks 95% of the time deny that request and ask us to pay the fee or spend 2L again.

Instead of feeling bad or something, there are high chances to get the card as LTF when we actively spending on that card. This makes us to avoid that 3 to 4 years scenario.

#btw, nowadays this 3 to 4 years scenario happening even after 6 months. So, take your chance and get it as LTF -- "Only if you keep that card LTF"

Otherwise basic cards as LTF may not be a good idea and not worth spending too much time to get the LTF confirmation.