Not sure on what basis, first they rejected my request that I raised with my salary , stating that there is no such offer available for LTF Sapphiro based on salary , they can raise a request for LTF based on spend but as my spends were low for last year , they would not take up the request. After many follow ups and heated argument on twitter, I mailed their PNO , had to visit the branch couple of times, then one fine day received a mail that my LTF Rubyx is upgraded to LTF Sapphiro .