u/Salty_Ad_7567

▲ 28 r/CreditCardIndia+2 crossposts

Just applied kiwi credit card and got approved for pnb kiwi card. During the kyc, the bank person said that the card is ltf. But on website it's showing annual fee.

I didn't order physical card but got a message showing you will get card in 5-7 days. Does that mean I get physical card?

Does the annual fee gets charged in first month?

Also can't login into the pnb genie app. It's showing please contact customer after successfully sending otp from my number.

u/Salty_Ad_7567 — 9 days ago
▲ 1 r/CreditCardIndia+1 crossposts

Hi everyone.
I mailed sbi cc customer care for considering my card to ltf to which they replied this to me.
Does that means they waive off my cc annual charges for sure ?
It has not charged yet but will get in this month statement.
should i close the card or believe them to waive off annual fee?

1/5/2026

Dear Ms. XXXXXXXX,

Thank you for writing to SBI Card.

This is with reference to your communication dated XX/04/2026.

With regard to your query, we wish to inform you that your SBI Card could not be a lifetime free card.

We would like to inform you that as on date no annual charges have been levied on your card. If the annual charges will be levied you may re-write us for the reversal and the same would be subject to approval.

Kindly rewrite us for the permanent closure, if you still want to close card.

Now get easy access to exclusive services & account information in just a few clicks. Visit SBI Card Website or download SBI Card Mobile App to access self-servicing options on the go!

If you are not satisfied with the response, Click here  to write to Nodal Officer, Customer Service and press Escalate button. You will receive a response within 5 days.

Yours sincerely,
XXXXXXXXXXXX
Customer Service Team – SBI Card

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u/Salty_Ad_7567 — 13 days ago