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I was also having simply save since 2018, in feb22 i tried for LTF which they denied.. even started the process for cancellation but when a confirmation call came I asked them to swap it to BPCL card as i already having good limit over simply save card so don't wanna it to go waste also BPCL annual spending wavier condition is less (50K) also in today time one SBI card is necessary for major sale days