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.

 

[JSK111]

I thought that the cashback earend till 3rd April will be credited to 4th or 5th ApApril

Yes for sbi cashback cc.

 

[mailmenow]

Yes for sbi cashback cc.

I am little bit confused. I got my card on 21st march. So you are telling me that the cashback which i earned till tomorrow will be credited to 4th or 5th April ?? Or this cashback will be credited to may 4th or 5th?

 

[panu24]

I

I thought that the cashback earend till 3rd April will be credited to 4th or 5th April

I think I said the same in my reply. Do you find it differently?

 

[panu24]

I am little bit confused. I got my card on 21st march. So you are telling me that the cashback which i earned till tomorrow will be credited to 4th or 5th April ?? Or this cashback will be credited to may 4th or 5th?

Why are you so confused? if you are not understanding replies here, Wait till 5th April evening if you get cashback you will be understood how it worked for you.

 

[JSK111]

I am little bit confused. I got my card on 21st march. So you are telling me that the cashback which i earned till tomorrow will be credited to 4th or 5th April ?? Or this cashback will be credited to may 4th or 5th?

If your statement is generated on 3rd Apr, you will get cashback credited to your credit card on 4th or 5th Apr.

Also you can reduce this cashback from total amount due and pay the remaining amount. This is only for SBI. HDFC swiggy do not consider cashback as payment.

 

[RAMESH BABU N]

Why is there so much confusion, worries n apprehensions ?

Everything is given in the statement.

Why can't one READ IT ?

 

[mailmenow]

If your statement is generated on 3rd Apr, you will get cashback credited to your credit card on 4th or 5th Apr.

Also you can reduce this cashback from total amount due and pay the remaining amount. This is only for SBI. HDFC swiggy do not consider cashback as payment.

Thank you bro

 

[b4bhar]

If your statement is generated on 3rd Apr, you will get cashback credited to your credit card on 4th or 5th Apr.

Also you can reduce this cashback from total amount due and pay the remaining amount. This is only for SBI. HDFC swiggy do not consider cashback as payment.

What about HSBC live+? They also credit the cb within 2 days after statement generation. But do they count as cb? I usually get email that credits have been received and the amount has been adjusted against your outstanding balance. Kindly make the remaining payment.

But the customer care says i need to pay the full amount.

 

[JSK111]

What about HSBC live+? They also credit the cb within 2 days after statement generation. But do they count as cb? I usually get email that credits have been received and the amount has been adjusted against your outstanding balance. Kindly make the remaining payment.

But the customer care says i need to pay the full amount.

I don't know about hsbc. Why don't you pay the remaining amount and once the payment settles after two days check if it still shows any pending bill amount.

I knew about hdfc coz it was still showing pending amount so i paid that as well.

 

[mailmenow]

Conversion of sbi cashback card to lifetime free is purely based on spend ?? I noticed a post that someone tried it to convert ltf and rejected them who was having a spend of 8-9 lakh

 

[b4bhar]

Exactly. I think placing closure request via app, then Immediately make a transaction and having some due is the safest way to negotiate them.

did you already do it? What is the outcome?

 

[mailmenow]

did you already do it? What is the outcome?

No. My card is only les than 1 month old

 

[mailmenow]

Conversion of sbi cashback card to lifetime free is purely based on spend ?? I noticed a post that someone tried it to convert ltf and rejected them who was having a spend of 8-9 lakh

They are rejecting the request for high spend also

 

[b4bhar]

They are rejecting the request for high spend also

I just got charged the joining fee. What about you?

 

[mailmenow]

I just got charged the joining fee. What about you?

Mine too. I am here to ask about it .

Why it is deducted annual fee now instead of joining fee?? Annual fee will be charged from 2nd yr onwards only?

 

[b4bhar]

Mine too. I am here to ask about it .

Why it is deducted annual fee now instead of joining fee?? Annual fee will be charged from 2nd yr onwards only?

I think this is joining fee. But the term used was annual fee which is incorrect. Maybe they don't have separate category for joining fee.

 

[satty]

I think this is joining fee. But the term used was annual fee which is incorrect. Maybe they don't have separate category for joining fee.

I tried for LTF after 18 months it was rejected and then again tried after 24 Months, and they approved my LTF request for cashback card .. my spends were not much 1.5-2 lac per year.

 

[mailmenow]

I tried for LTF after 18 months it was rejected and then again tried after 24 Months, and they approved my LTF request for cashback card .. my spends were not much 1.5-2 lac per year.

To which mail id you sent??
Should we need to do escalation from level1 to level4?

 

[satty]

To which mail id you sent??
Should we need to do escalation from level1 to level4?

I sent it to customerservicehead@sbicard.com but for me it's approved without any escalation.

 

[b4bhar]

To which mail id you sent??
Should we need to do escalation from level1 to level4?

Are you sending the email? If so, let me know the outcome.