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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 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.
 
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.
 
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.
 
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.
 
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
 

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