is there any lft,fyf,for sbi cc or with less fee
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No, there aren't any FYF or LTF.
But you can get simply click /simply save at low fees of 500.
get SimplySAVE card rupay card with 500+GST annual fee:) its a good entry level card for offline restaurant use
if you need referral DM:)
or get SBI cashback card ALL ROUNDER CARD (annual fees 999+GST) but hard to get usually and NOT USEFUL FOR OFFERS
You can get simple click card for first year as free and second year also free or half free using my trick
1. take SBI card
2. spend 4 lac
3. call customer and order them to make it LTF
4. thank me later
What's special about 4L ?
SimplyClick is FYF if you consider Rs.500 Amazon gift voucher you get.
.. but u still have to pay 18% GST on annual fees from your pocket so it is not free, this is what customer care wont tell u
there is no LFT concept when initially applying with SBI card
LTF possible only on 2 conditions with SBI
1) possible way is getting SBI card and make the customer care convert it to LTF after your spend in a year is above 4lakhs
2) or you have multiple say for eg 2 SBI card, then you can request to make your lower variant SBI card out of the 2 as LTF