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.

 

[roygarg]

Drop an email to SBI Cards with income docs, and they will issue the card from the backend.

Will try. Also I just tried increasing limit through the SBI cards website. Used my SBI account with the account aggregator and they gave me a limit increase of 16k lol.

 

[Dpk6200]

How to check my card converted to LTF or not ?

Raise request on 7th , completion date received 10th apr, but no communication received till date.

In app I can see PCT ID change request is there and complete on 10th.

Calling is not possible now for some days, is there any other way to check its converted or not ?

 

[me_sovon]

If I remember correctly, they ask for a cancelled cheque to refund the extra limit to your bank account. Horrible bank with horrible rules.

Same goes for ICICI Bank, I don't have any account with them and I had 10k excessive amount in my Card, so I asked them what to do, they took my bank statement and cancelled cheque of The Bank to deposit the amount.

 

[6ix9ine]

How to check my card converted to LTF or not ?

Raise request on 7th , completion date received 10th apr, but no communication received till date.

In app I can see PCT ID change request is there and complete on 10th.

Calling is not possible now for some days, is there any other way to check its converted or not ?

Send a new email again.

 

[mailmenow]

How to check my card converted to LTF or not ?

Raise request on 7th , completion date received 10th apr, but no communication received till date.

In app I can see PCT ID change request is there and complete on 10th.

Calling is not possible now for some days, is there any other way to check its converted or not ?

Then chat with them via sbi cards app

 

[mailmenow]

How to check my card converted to LTF or not ?

Raise request on 7th , completion date received 10th apr, but no communication received till date.

In app I can see PCT ID change request is there and complete on 10th.

Calling is not possible now for some days, is there any other way to check its converted or not ?

What's ur spends in each yr?? How old ur card is?

 

[mailmenow]

Why it is showing such error after sending the mail

 

[hender]

Why it is showing such error after sending the mail

View attachment 92610View attachment 92611

They are afraid of 😉,
Any attachments ! Check oversize issue !
May be 5 or 10 MB +

 

[mailmenow]

They are afraid of 😉,
Any attachments ! Check oversize issue !
May be 5 or 10 MB +

No. Size is very less

 

[Abhi21]

Why it is showing such error after sending the mail

View attachment 92610View attachment 92611

We blocking spam mails from banks..
Bhai ke liye tho bank ne hi block kar diya.. 😂😂


Possible Reasons for Email Blockage:
Spam Filters:
The bank's email system may have flagged your email as spam due to the content, sender reputation, or other factors.

Suspicious Activity
Banks often have security measures in place to prevent suspicious activity, and emails might be blocked if your account is flagged for potential fraud or other issues.

Technical Issues
There could be temporary technical issues with the bank's email system or your own email provider.

ISP or Email Provider Restrictions:
Your Internet Service Provider (ISP) or email provider may have restrictions or blocks in place that prevent you from sending emails to certain recipients, including banks.
Also check VPN issue.

Solution:
Calling is the only option I guess..

 

[hender]

No. Size is very less

Than check what's the issue it's saying !

 

[mailmenow]

Exactly, SBI gives you the flexibility to just pay total bill - cashback/refund = rest so why not utilise it 🫡

But why the TAD Didn't change even after the cashback credit?? BBPS always shows the same TAD amount before & after cashback credit. SBI card should implement such system that shows the remaining TAD after cashback credit . So it would be more reliable

 

[6ix9ine]

But why the TAD Didn't change even after the cashback credit?? BBPS always shows the same TAD amount before & after cashback credit. SBI card should implement such system that shows the remaining TAD after cashback credit . So it would be more reliable

If that happens, then you won't be able to prepay your SBI cc bills or use it multiple times. SBI allows you to prepay your credit card bill N number of time, whereas most other banks don’t allow prepayment until the bill is generated.

This hurts more if you are using something that offers rewards for paying credit card bills.

 

[mailmenow]

Axis allows to do the bill payment before bill generation

If that happens, then you won't be able to prepay your SBI cc bills or use it multiple times. SBI allows you to prepay your credit card bill N number of time, whereas most other banks don’t allow prepayment until the bill is generated.

This hurts more if you are using something that offers rewards for paying credit card bills.

 

[6ix9ine]

Axis allows to do the bill payment before bill generation

I know, that's why I said "most." Obviously, there are some exceptions.

 

[mailmenow]

I know, that's why I used "most", there are obviously some exceptions.

Did you pay the remaining TAD amount (after credit of cashback) for sbi bill payment??if so Did you face any issue /complications

 

[hender]

simple is to pay TAD, let them do accounting , you just have to reconcile.

Did you pay the remaining TAD amount (after credit of cashback) for sbi bill payment??if so Did you face any issue /complications

 

[6ix9ine]

Did you pay the remaining TAD amount (after credit of cashback) for sbi bill payment??

Yes, always in my SimplyCLICK.

if so Did you face any issue /complications

Nope, even inside app you will notice "paid" in total amt due once you pay your rest bill.

And yes, I get what you are trying to say bharat connect aka BBPS should be the same for everyone. It's really a mess right now.

 

[mailmenow]

Yes, always in my SimplyCLICK.


Nope, even inside app you will notice "paid" in total amt due once you pay your rest bill.

Yes I noticed that. Why its so?

 

[6ix9ine]

Yes I noticed that. Why its so?

No idea brother. Some CCs aren't even on BBPS yet, like AMEX even after the deadline. God knows when they will go live ¯\_(ツ)_/¯