Hey everyone,

I'm looking for some suggestions on how to get my SBI Cashback credit card converted to a Lifetime Free (LTF) variant.

For some context:
I’ve had the card for 1 year.
I’ve already spent approximately ₹2.5 lakhs in my first year, so my upcoming renewal fee will be automatically reversed based on the spend milestone.
I’ve earned around ₹9,000 in cashback so far.
Even though my fee is waived for this year, I really want to make it permanently LTF for peace of mind. I recently emailed the Nodal Officer requesting a conversion. You can see my initial request and their standard system generated rejection.

I have a couple of questions for anyone who has navigated this:

1. Has anyone successfully converted their SBI Cashback card to LTF recently? If so, did the Nodal/Escalation desk route eventually work for you, or did you have to escalate it to another email ID (like the Customer Service Head)?

2. Is the "card closure request" trick too risky for this specific card? I know a very common tip for SBI cards is to initiate a cancellation request on the app to trigger a retention call where they offer LTF. I am genuinely worried about trying this because I do not want my card to actually be closed. If they process the request without a retention call, I'd lose the card entirely. Has anyone tried this recently with the Cashback variant?

Would really appreciate any guidance, tips, or recent experiences you can share regarding what to do next.

Following up on a bizarre situation with a third-party agent and needing advice from folks familiar with ICICI’s backend and DSA(direct sales agent) tacticsTT

I already hold an ICICI Coral credit card with a ₹60,000 limit. I live in a restrictive household where family members monitor my phone, know my device pin, and frequently answer my calls without my permission

A telecaller/DSA called offered a pre approved ₹5 Lakh limit Coral card for me. My relative picked up, got caught up in the fucking lalach of a 5L limit, and went along with it
The agent pushed an official ICICI SMS with a link to ⁠ilens.icici.bank.in⁠. My relative clicked it, checked the consent box, and entered the verification code. To push things along, the agent even sent a WhatsApp photo of his internal office PC screen showing the iLens verification prompt
I asked him if he gave any OTP etc to agent but he said no.

1.Icici customer care sees nothing
I called 1800 1080 to cancel it immediately, but the rep insisted there is no application with that number showing under my phone number or Customer ID.
2.Hard enquiry triggered
Right after that call, I received an official alert confirming that a hard credit bureau inquiry has already been pulled by ICICI Bank 😭😭

Am i exposed to any financial scam or data theft Since the OTP was entered on the official ⁠ilens.icici.bank.in⁠ portal, can this agent tamper with my savings account, siphon funds, or misuse my existing card?
2. Why does customer care see no application
Does it take time for iLens LOS (Loan Origination System) to generate an ARN that syncs with phone banking, or did the system auto reject the application immediately after the bureau pull?
3.Can dsa fabricate details?
Since a ₹5L limit on my profile makes no sense, could this rogue DSA submit forged income/employer data on his end to force-approve a card for his commission?
4.What precautions should I take now?
Besides blocking the caller, how do I ensure no rogue card gets silently issued or delivered?

Would be so helpful if anyone can help 😭😭😭

I recently got hdfc salary account and then suddenly started getting multiple calls for loans and credit cards.

I raised complaint with hdfc and also with RBI, hdfc replied that my number is removed from their affiliates and complaint was closed.

Yesterday I got call again for hdfc cc point is most of the callers are asking for hdfc cc why not from other banks?

Caller said we have got your details saying u had salary deposit to ur hdfc account, I have call recording.

Anything I could do now, would still hdfc say we don't know them.

Hdfc is clearly leaking customer data but denies.

Does anyone know when will HDFC or ICICI or sbi start supporting Apple Pay?

I’m 24 and have been using the HDFC Regalia Gold for the past year. My annual card spends sit comfortably around 7–8L.

I’m eligible for the Magnus for Burgundy from Axis if I switch my salary account over (it’s currently with HDFC). My monthly in-hand is slightly above 2L.
Does getting the Magnus Burgundy make sense for my spend profile?

My main hesitation comes down to the fee and past devaluations, especially since Regalia Gold is essentially free for me right now. On top of that, I don't think I can hit the spend threshold for accelerated rewards consistently (maybe for a month or two during major expenses, but definitely not regularly)

Would love some inputs, especially from folks holding the card or anyone who made a similar move from HDFC.

PS: Tried to push my RM for a DCB but she said it wont be possible without the 2.5L spend criteria

Basically I want to buy s25 u from Amazon using Amazon ICICI card and the total comes out to 80 k after no cost emi can I buy gift cards using my sbi card and use those gift cards to lower the amount to my card will it work with no cost emi ?

I’ll be Turning 18 in a Few Months and I want some Card suggestions? I’m not exactly earning but I used to invest a lil bit from my Parents account and made a profit and ever since that I’ve been using that same money that I made to take care of of myself and my daily expenses and things, I also have a small SIP as of now, but all these things are under my Parents Account, since I’ll be turning 18, I’ll start fresh and no one in my family really used a Credit Card, like no one actually used it which makes me sort of mad at my parents cause they have so many benefits if used properly, So I’m writing this so that I could get any advice? Recommendations ofc? Everything I should know about, all the knowledge of is welcomed, I’ll really appreciate knowing more and more from people with Experience.

Thank you for your engagement, I appreciate it.

Top 5 would prolly be the same along with Protein then Food.

Asking one liner/no context questions such as best card for so and so category is not allowed.

While asking for a card recommendations make sure to include details as per the below format.

Current Cibil: idk?
Age: 17
Monthly Income and Employment status: I don’t really have a fixed income? Just whatever the profit i make in my investments, i’m just a student so not employed

Monthly Expenses & Spending Patterns: mostly I tend to spend money on myself? Like I like to invest in myself, like groceries, food, gym membership? I also have a habit of purchasing things that I really like, recently I came across Garmin and well I found it really useful in my life as I workout often and go on runs etc, so i decided to buy it, so yea I tend to spend on things that are useful to me but I research alot before spending, cause i think that whatever I take is sort of me investing in it? Idk if im right?

Top 5 Monthly spend categories and Top 5 Annual spend categories: probably, Family Trips (yes I tend to pay whenever im allowed to cause I want my family to enjoy and feel proud of me at the same time), apart from that idts there are any huge spends I make.

Preferences for Credit Card Features: I’ll appreciate it if you guys were to help me out with this

Reward Preference (Cashback or Reward Points):aswell as this

Lounge Access Required: Yes I suppose cause it will help out alot.

Other Special Needs; I got no clue.

The reason is not what you think

I don’t think its a threat to UPI

because UPI’s reach and the fact that average dukaandar doesn’t have card machine means its irreplaceable
It is that the online checkout facility which Apple Pay brings that is compatible with credit cards and something many indians hadn’t experienced till mow

AND THIS will be replicated by Google wallet which is already providing the service in other countries and soon enough. People will start loading their credit cards in Google wallet, because obviously credit cards provide better rewards and this is a big threat for companies like Paytm and PhonePe and this why

They can’t really charge on UPI transactions itself, but they can charge on other services like movie tickets and flight bookings

Now imagine if Google pay where you can already book your flight, tickets and recharges starts offering online card checkout too.

People who have credit cards will use that because credit cards give rewards and UPI Credit lines aren’t successful.

Plus google’s predatory behaviour means that the second they see people being happy with apple’s onetap checkout they will spam this everywhere and soon enough people will prefer using google pay with credit cards

AND THIS IS A BIG PROBLEM FOR PAYTM AND PHONEPE who RELY on these

It is bad for our companies since their only revenue source will be gone

Am I just faltu mei taking this the wrong way?

Best way to get maximum benefits.

I m applying for apay icici vkyc done said vkyc guy but on amazon showing error in vkyc redo is it true or just glitch

When tried again showing technical error

Update : approved within 5 min... no re-kyc was required ✌️

SBI people are offering lifetime free SBI elite card in my college with offers like free bms tickets and airport lounge access. But they are saying an account in SBI is compulsory to apply is this true? I searched online and there is no such rule. What should I do?

​

Hey guys, I’m planning to buy a product on Amazon using my SBI credit card, and I’m a bit confused about the No-Cost EMI.

💰 Here’s my checkout breakdown:

- Product price: ₹27,148

- Instant NO COST EMI bank discount: ₹4,000

- No-Cost EMI interest discount: ₹645.71

- Final order amount: ₹22,502.29

- 3-month EMI: ₹7,717.44

- Total payable to SBI: ₹23,152.31

- Processing fee: ₹169 + GST

🤔 My question

I’m thinking of taking the EMI to get the discounts and then cancelling the EMI to pay the full amount upfront.

Has anyone tried this with SBI Card?

- Is it actually worth it, or would the foreclosure charges make it pointless?

- If it can save money, when is the right time to cancel the EMI?

I haven’t placed the order yet, so I’d rather hear from people who’ve actually done this before making a decision.

I’ve attached the checkout screenshots for reference.

Thanks in advance for your suggestions!

Can someone confirm if HSBC live + is the best card now for getting maximum returns buying an amazon pay gift card?

It gives 250 + 750 amazon pay gift card which waives the joining fee - Am i right?

How to get hsbc live plus cc with a salary of 50k as the card keeps getting rejected

My hsbc live+ cred card got approved today, and i got a mail saying you can access your card in hsbc mobile banking app. But when In app it is asking for pan number and email, but after entering details it says

" Unable to process your request as your account is inactive or not eligible for online registration"

Did anyone faced this issue? FYI the card is still not delivered to me

I applied for Swiggy HDFC with 780 score, today I received call from HDFC, i was in a meeting. I didn't see the call.

When I saw the notification, I knew I doomed up, so I immediately send mail, that I need a call back and or how should approach, and went with HDFC Bank, the y said, they will arrange it.

But after 2 hours, I got a Email, saying my application got rejected, because of "failed to verify communication address".

What kinda, useless thing is this if a person missed a call from HDFC which wasn't even previously told.

They should have gave opportunity to callback..

I have been a credit card user for the last 6+ years and I use the HDFC Infinia, HSBC travel one and Axis Atlas as my primary credit cards among others for specific spends.

Most of my monthly expenses were managed through vouchers (~50k-70k), because of which Infinia was my credit card for shopping bill, payments, and other retail requirements.
I would then go for Axis Atlas (accor earlier & now air india) for everything else while HSBC travel one (accor) remained a backup credit card, if in case any other credit card is devalued.

However, ever since HDFC has reduced benefits on vouchers to 3000 points/ month (22.5k spends), I’m just curious if there is any other benefit that you see with the Infinia credit card? Thats a max benefit of 36k points annually.

I do Travel, but my flight bookings are approximately once per quarter. I am not sure if I can get more value of HDFC.
Is it worth it?

(speech to text converted post, please ignore any errors)

Does somebody has an invitation link for Instinct AI

Is this a valid reason

4 months of credit history (fd based cc)

18 yrs

Someone here said having a credit history and applying as self employed, around 4-5 lakhs income .

Will get me that card 😭😭

Asking for normal city use just so that I save on regular petrol filling, which card is best and can be obtained without much hassle? Researched on google but need help with actual real life review

Will I ever be able to obtain an unsecured credit card? All of these outstanding payments arose from Flipkart Pay Later and Paytm Postpaid services. A close relative utilized my personal information to secure those NBFC loans. Although I filed an FIR against him, I doubt that will assist in repairing my credit health. I successfully settled all of those NBFC loans in October of last year and subsequently closed those accounts. A month ago, I obtained a fixed-deposit-backed credit card. Do you have any additional suggestions??

Same as title

Did anyone use this card from sbi, how to get the maximum benefits? Help!

I made a purchase from Croma (Infiniti Retail Limited) on 26 September 2026 for ₹1,28,599 using my SBI credit card.
Croma claims the refund was initiated on 29 September 2026 and has shared an ARN. However, the amount has still not been credited to my credit card account.
Croma asked me to provide my bank statement as proof that I hadn’t received the refund. I shared it, but the issue remained unresolved.
I raised a dispute with SBI Card (Service Request No. 1419178484444). SBI asked me to submit:
1. A credit note mentioning the last two digits of my card, merchant name, refund amount and refund date.
2. A merchant confirmation letter mentioning the merchant name, disputed amount and last two digits of my card.
Croma has now provided the documents and ARN (202663743251032). I submitted the credit note, merchant confirmation letter, refund SMS messages, original invoice and purchase transaction confirmation email to SBI Card. Despite submitting everything, I received another SMS asking for the same documents, so I sent them again.
My questions:
● Has anyone faced a similar issue with SBI Card, where the merchant claims the refund was processed but the money never arrives?
● How did you eventually get your money back?
● Did SBI resolve it through a chargeback, or did you have to escalate to the RBI Ombudsman or Consumer Forum?
● Did providing the ARN help SBI trace the refund? How long did it take?
● What escalation route worked for you, and what should I do next?
₹1.28 lakh is a substantial amount for me. I have submitted all the requested documents, but I’m still waiting for the money and a proper resolution.
I’d really appreciate hearing from anyone who has gone through this and successfully recovered their money. Please share the steps you took and how the issue was finally resolved.

My objective to get a credit card is to get a discount in Flipkart/amazon sale

I prefer lifetime free cards Any suggestions plz