HomeCredit CardsLifestyle Home Centre SBI Card Prime
Lifestyle Home Centre SBI Card Prime

SBI Card

Lifestyle Home Centre SBI Card Prime

visaclassiccreditshoppingdining

Annual Fee

₹1,769₹1,499 + GST

Base Reward

2% points

Foreign Markup

3.5%

Apply Now
3.8/5
VerifiedLast updated 26 May 2026

Welcome Benefits

12000 RPs worth Rs. 3000.

Product Highlights

  • Earn 15 reward points on every Rs. 100 spent at landmark stores.
  • Get 12,000 bonus reward points as welcome benefits.

Category Rewards

shopping

15 RPs on every Rs. 100 at landmark stores

15X

dining

10 RPs on every Rs. 100 spent at dining & movies

10X

Specialty

2 RPs on every Rs. 100 at non-landmark retail shops

2X

Merchant-Specific Rewards

1 pt ≈ ₹0.25–₹0.50
Lifestyle

Lifestyle

7.5% value back at Lifestyle, Home Centre, Max, Spar, Easybuy

7.5X
Home Centre

Home Centre

7.5% value back at Lifestyle, Home Centre, Max, Spar, Easybuy

7.5X
Max

Max

7.5% value back at Lifestyle, Home Centre, Max, Spar, Easybuy

7.5X
SPAR

SPAR

7.5% value back at Lifestyle, Home Centre, Max, Spar, Easybuy

7.5X
Easybuy

Easybuy

7.5% value back at Lifestyle, Home Centre, Max, Spar, Easybuy

7.5X

Reward Calculator

Earns ₹3,331/year (net)

Modest gain. Solid hold if you like the perks.

Monthly spend

₹13K

across all your buckets

Points / yr

5.1K

Landmark Rewards

Best worth

₹5.1K

via standard

Effective rate

3.27%

Annual fee

₹1,769

Year 1 net

+₹3,331

Year 2+ net

+₹3,331

ongoing

Adjust your spend by reward bucket

2 buckets
7.50%7.5% value back at Lifestyle, Home Centre, Max, Spar, Easybuy
₹3,000/mo
Earns 225 landmark rewards / mo≈ ₹225 worth/mo
2.00%All other spends
₹10,000/mo
Earns 200 landmark rewards / mo≈ ₹200 worth/mo

Milestone Rewards

Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.

₹50K
₹5K₹50K₹1L₹2L₹3L

per year · You spend ≈ ₹6L

₹5L₹3K value

₹3,000 Landmark voucher

Surcharges & 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–₹4,000 fuel txns · capped at ₹250/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

Earn 15 reward points on every Rs. 100 spent online or offline at Landmark Stores like Lifestyle, Home Centre, Max, and Spar. Earn 10 reward points for dining and movies. Earn 2 reward points on every Rs. 100 spent at retail outlets other than landmark stores.

Reward Points — Redemption Value
  • 1 Landmark Reward = 2.4 SBI Reward Point; 1 SBI Card Reward Point = Rs. 0.24; 1 Landmark Reward = Rs. 0.60; 4 Reward Points = Re. 1.

Benefits & Features

Domestic: 8 Complimentary visits to domestic airport lounges (max. 2 per quarter) International: 4 complimentary visits per year (max 2 visits per quarter) Complimentary domestic lounge access.

Pros & Cons

Pros

  • High reward points on landmark stores
  • Complimentary lounge access

Cons

  • High joining fee
  • No specific income requirement mentioned

Partner Merchants

LifestyleHome CentreMaxSpar

Ready to apply?

Apply directly on the bank's official website. Quick approval, no hidden steps.

Apply Now

Official bank website · Secure

Fees & Charges

Annual Fee₹2,999
Joining Fee₹2,999 + GST
Foreign Markup3.5%
Interest Rate3.50% per month
Cash Advance2.5% or ₹500 whichever is higher at national & international ATMs.
Redemption Fee₹99

Eligibility

Min Age

23 yrs

Networks

visa