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.

 

[wanderer0]

I got LE once in Jan and then in June. Twice in 5 months. Seems like SBI increases 1 lac each time for everyone regardless of income.

 

[CyberPsych]

I got LE once in Jan and then in June. Twice in 5 months. Seems like SBI increases 1 lac each time for everyone regardless of income.

I am trying every 6 months for past 2 years, never got an LE.

 

[Hemang]

I got LE once in Jan and then in June. Twice in 5 months. Seems like SBI increases 1 lac each time for everyone regardless of income.

apki income vs credit limit kya hai bhai ? apke pas total cards kitne hain ?

 

[wanderer0]

apki income vs credit limit kya hai bhai ? apke pas total cards kitne hain ?

Limit is more than 2x net monthly income abhi but trend lag rha ki every 6 months 1 lac LE. Only one card.. SBI Cashback CC. Other banks se to 15+ total hain.

 

[Hemang]

Limit is more than 2x net monthly income abhi but trend lag rha ki every 6 months 1 lac LE. Only one card.. SBI Cashback CC. Other banks se to 15+ total hain.

 

[Akash.nagori]

I got my 2 cards converted into LTF on one single call … 2 PCT ID to changed requests were raised on Friday and now it’s showing closed.. one is bpcl octane rupay and another is simply save rupay

 

[Hemang]

I got my 2 cards converted into LTF on one single call … 2 PCT ID to changed requests were raised on Friday and now it’s showing closed.. one is bpcl octane rupay and another is simply save rupay

badhai ho bhai, kitne spends the apke ongoing year me.

 

[Tarun239]

I got my 2 cards converted into LTF on one single call … 2 PCT ID to changed requests were raised on Friday and now it’s showing closed.. one is bpcl octane rupay and another is simply save rupay

Congratulations, spends, duration of usage and which cards?

 

[nikhilv0303]

For me, they reduced the limit from 1.5 to 1 lakh suddenly about 6-7 months back. And since then I don’t even see the option of limit increase in App and Website.
Any idea why it happened and what should I do for limit increase?

 

[Akash.nagori]

badhai ho bhai, kitne spends the apke ongoing year me.

Congratulations, spends, duration of usage and which cards?

79k current year octane rupay almost 3 years
15k-20k current year simply save rupay just over 1 year

 

[CyberPsych]

one is bpcl octane rupay

Good thing. It is not easy to get this card LTF. Can you share your spendings and the process? (Raised closure request in app or e-mail, what they told in call, did you negotiate, etc)

 

[mailmenow]

Good thing. It is not easy to get this card LTF. Can you share your spendings and the process? (Raised closure request in app or e-mail, what they told in call, did you negotiate, etc)

Yes please share some details

 

[Akash.nagori]

Good thing. It is not easy to get this card LTF. Can you share your spendings and the process? (Raised closure request in app or e-mail, what they told in call, did you negotiate, etc)

Yes please share some details

No special pattern very less spends I am also not sure how they offered me LTF.
I just called normally to close simply save card as I want to apply for cash back card as I already have 3 cards but then suddenly the retention team executive told me I can make this card as LTF so I agreed then I thought let’s give a try for my another card and then I told I want to close octane as well then he asked what is the reason so I told petrol pumps are not accepting points and vouchers as payment then he told me let me discuss with my senior and he came back and told me that we can make this card LTF as well so then I agreed. All this done on one single call

 

[CyberPsych]

No special pattern very less spends I am also not sure how they offered me LTF.
I just called normally to close simply save card as I want to apply for cash back card as I already have 3 cards but then suddenly the retention team executive told me I can make this card as LTF so I agreed then I thought let’s give a try for my another card and then I told I want to close octane as well then he asked what is the reason so I told petrol pumps are not accepting points and vouchers as payment then he told me let me discuss with my senior and he came back and told me that we can make this card LTF as well so then I agreed. All this done on one single call

That's straight luck.

 

[Akash.nagori]

That's straight luck.

I also think so and I have one more card simply click in few days I will try to make that also LTF

 

[gamersgzb]

I also think so and I have one more card simply click in few days I will try to make that also LTF

I believe your call must be forwarded to retention team by customer care.. you can't directly connect to retention correct?

 

[CyberPsych]

I believe your call must be forwarded to retention team by customer care.. you can't directly connect to retention correct?

Yes, you must request card closure through app/phone call/e-mail first, then only retention team will reach out to you