SBI is pretty hard to get as LTF unless you fulfil two conditions:
1. SBI employee
2. Govt employee
Though you can request for LTF, you may get.
For Kotak, if you're maintaining good amount of TRV, you can ask your RM to issue/convert card to LTF. This can be done till White card. White Reserve is not being provided as LTF/FYF as of now
SBI is pretty hard to get as LTF unless you fulfil two conditions:
1. SBI employee
2. Govt employee
Though you can request for LTF, you may get.
For Kotak, if you're maintaining good amount of TRV, you can ask your RM to issue/convert card to LTF. This can be done till White card. White Reserve is not being provided as LTF/FYF as of now