SBI Cashback Card - Converted to LTF (Jan 2025)

[Rishabh]

Hello Folks,

FYI I have recently managed to get my SBI Cashback credit card converted to LTF through an email request 🙂

I have been using the card now from more than 2 years with last 2 years spends crossing 2lacs & have got fee waiver against the same.
Few days back just thought of writing email to SBI team requesting them to consider converting my Cashback card to LTF basis my past spend records without having strong expectation of getting any success.

As a first response got a call from SBI executive mentioning about no such offer available at present on the card to convert it to LTF. And asked me to wait to get offer in future.
But just before the end of the call he asked me if I will continue making similar amount spends on the card if converted to LTF. After confirmation he raised a request for me to change PCTID (for LTF conversion) for the card without giving any assurance that it will be approved.

And after 4-5 days, I got another update on the ticket about successful closure and card converted to LTF.
Something good to cheer about during this devaluation days of Credit cards & also having this as 3rd LTF card from SBI now 🙂

 

[maverick]

Only by email.

Can you please share the mail content...

 

[arvinder]

Can you please share the mail content...

Done. Check messages

 

[maverick]

Done. Check messages

Are they converted both of them simultaneously or only the cash back cc?

 

[arvinder]

Are they converted both of them simultaneously or only the cash back cc?

Only cashback cc

 

[ontherocks]

Congratulations 🎊


Even if they didn't convert ltf, you can ask for fee waiver whenever it gets charged, i am getting fee waiver from 5 years on SBI simplyclick and from 2 years on SBI cashback

Did you write to the same email id customerservicehead@sbicard.com ?

 

[ATTAR]

Are they converted both of them simultaneously or only the cash back cc?

Plz share the email content

 

[ronakshah]

Done. Check messages

Can you please share the email content with me as well

 

[ShaktiWoman]

Can you please share the mail content...

Done. Check messages

@arvinder
Bro ye Naa insaafi kyun? Hum bhi aapke chote bhai hai, zara hum pr bhi apni chhatra chhaya daliye (thread post krke)😁😁

 

[Naveen277]

I have been using for almost 2years spending more than 2lk per year but my limit is just 20k raised multiple times for cc limit increase with salary slips they rejected saying internal policy. If I raise for ltf not sure if this would get approved. Could someone share the format.

 

[Sandeep746]

will try this as well 😀

 

[harsh_ujjwal]

Raised a request for mine now.
Have around 4L+ spends each year for last 2-3 years.

Do let us know if it gets converted to LTF.

 

[ShaktiWoman]

I have been using for almost 2years spending more than 2lk per year but my limit is just 20k

This is the reason why you are still stuck at a 20k limit. You're thinking about LE/ltf conversation while utilising more than 75% of the limit every month. How is that even possible bro? Use it wisely, without even reaching 25%

 

[Ekavya]

Congratulations 🎊


Even if they didn't convert ltf, you can ask for fee waiver whenever it gets charged, i am getting fee waiver from 5 years on SBI simplyclick and from 2 years on SBI cashback

My Joining fees was charged just after my First Transaction. (2-3 months back).
Is it reversible? Or just the Annual Fees?

 

[aniketkr.sharma]

My Joining fees was charged just after my First Transaction. (2-3 months back).
Is it reversible? Or just the Annual Fees?

They are rigid with joining fees, Try & check with customer care, we got the card FYF.

 

[CyberPsych]

You're thinking about LE/ltf conversation while utilising more than 75% of the limit every month. How is that even possible bro? Use it wisely, without even reaching 25%

How you will get LE or LTF if you barely use that card (<25%)?

 

[Exewhyzee]

I tried but failed. Their response:

We wish to apprise you the annual fee is a basic product price which covers only a portion of the cost incurred by us in maintaining your card account.

The annual fee was levied on receipt of your consent vide duly signed mandate received along with your SBI card application hence we are unable to offer you the life time free conversion of your SBI cashback credit card account.

 

[aniketkr.sharma]

I tried but failed. Their response:

We wish to apprise you the annual fee is a basic product price which covers only a portion of the cost incurred by us in maintaining your card account.

The annual fee was levied on receipt of your consent vide duly signed mandate received along with your SBI card application hence we are unable to offer you the life time free conversion of your SBI cashback credit card account.

Generic response by email support team

 

[hks789]

I tried but failed. Their response:

We wish to apprise you the annual fee is a basic product price which covers only a portion of the cost incurred by us in maintaining your card account.

The annual fee was levied on receipt of your consent vide duly signed mandate received along with your SBI card application hence we are unable to offer you the life time free conversion of your SBI cashback credit card account.

How old was the card? Total spends in last 2 anniversary cycles?

 

[Credit_Cards]

My SBI cashback card also got converted to LTF

Congratulations . .

 

[Exewhyzee]

20

How old was the card? Total spends in last 2 anniversary cycles?

20 months. Spend would be upwards of 15 lacs.