u/kannan_r5

Has anyone here managed to get their SBI Flipkart Credit Card converted into a Lifetime Free (LTF) card? Officially, SBI charges ₹500 annual fee (waived only if you spend ₹3.5L in a year), but I’ve heard some people got it waived permanently after negotiating with customer care or through retention offers.

Would love to know:

Did you request via SBI customer care or branch?

Was it a one-time waiver or permanent LTF conversion?

Any tips or specific wording that worked for you?

Sharing experiences could help others who are trying to avoid the steep spend requirement.