SBI Card
Lifestyle Home Centre SBI Card
Annual Fee
₹885₹750 + GSTBase Reward
5% points
Foreign Markup
3.5% of the transaction amount
Welcome Benefits
2,000 bonus reward points worth Rs. 500 on card activation and Rs. 100 cash back on your first ATM cash withdrawal within 30 days of card activation.
Product Highlights
- 2,000 bonus reward points worth ₹500 on card activation
- 5 Reward Points on every ₹100 spent at Online & Retail Landmark Stores, Dining & Movies
- 1 Reward point on every ₹100 spent on other retail purchases
- 8,000 bonus Reward Points on spending ₹2 Lakh or more in a year
- 1% fuel surcharge waiver
Category Rewards
shopping
5 Reward Points on every ₹100 spent
5X
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
Lifestyle
5% value back at Lifestyle, Home Centre, Max, Spar, Easybuy
Home Centre
5% value back at Lifestyle, Home Centre, Max, Spar, Easybuy
Max
5% value back at Lifestyle, Home Centre, Max, Spar, Easybuy
SPAR
5% value back at Lifestyle, Home Centre, Max, Spar, Easybuy
Easybuy
5% value back at Lifestyle, Home Centre, Max, Spar, Easybuy
Reward Calculator
Earns ₹2,115/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
3K
Landmark Rewards
₹3K
via standard
Effective rate
1.92%
Annual fee
₹885
Year 1 net
+₹2,115
Year 2+ net
+₹2,115
ongoing
Adjust your spend by reward bucket
2 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, balance transfer, cash advance, emi, utility, insurance, jewelry, education, railways, wallet
Fuel surcharge waiver (good news)
1%on ₹500–₹3,000 fuel txns · capped at ₹100/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
5 Reward Points on every ₹100 spent at Online & Retail Landmark Stores (Lifestyle, Home Centre, Max and Spar) Dining & Movies. Earn 1 Reward point on ₹100 spent on other retail purchases (except Fuel).
- Redeem Reward Points instantly at Lifestyle, Home Centre and Max stores (1 Landmark Reward = ₹0.60).
Benefits & Features
1% fuel surcharge waiver for fuel transactions between ₹500 to ₹3,000, capped at ₹100 per statement cycle.
Pros & Cons
Pros
- High reward points on shopping at Landmark Stores
- Bonus reward points on card activation
- Fuel surcharge waiver
Cons
- No reward points on fuel transactions
- Annual fee applies
Additional Info
Important note 1
Note 2
Excluded Categories
Partner Merchants
Ready to apply?
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Fees & Charges
Eligibility
Min Age
21 yrs
Networks