By: OurMoneyGuide || Last updated on: June 10, 2024

Lifestyle Home Centre SBI Card PRIME is a co-brand card launched by SBI Card, in partnership with Lifestyle. Lifestyle is a leading retail destination for branded beauty, fashion and home products. It is part of the Landmark group. You can earn upto 9% benefit on Landmark spends.

You also get complimentary access to airport lounges both in India (2 times each quarter) and abroad (4 times per year).

The card is virtually free, since you get reward points worth the annual fee, upon annual fee payment.


Pros & Cons of Lifestyle Home Centre SBI Card PRIME

Pros

  • Good card for regular shoppers at Landmark outlets – you can earn upto 9% on Landmark spends
  • The card is virtually free, since you get rewards worth the annual fee, upon annual fee payment
  • Complimentary access to airport lounges both in India (2 times each quarter) and abroad (4 times per year)

Cons

  • You may need to consider other credit cards to earn higher rewards on your non-Landmark spends
  • Only suitable for regular shoppers at Landmark stores, since reward points on all card spends can only be redeemed at Landmark stores

Features & Benefits of the Lifestyle Home Centre SBI Card PRIME

Upto 9% benefit on Landmark store spends (Lifestyle, Home Centre, Max and Spar – both online as well as in-store shopping)
– 3.75% benefit on Landmark store spends
– Upto 5.27% additional benefits, based on achieving 3 annual card spend levels at Landmark stores

✔︎ 3.75% on Landmark store spends
– You earn 15 reward points worth ₹3.75 , on every ₹100 you spend at Landmark stores. This is valid on both online and offline shopping at Landmark stores. Landmark stores include Lifestyle, Home Centre, Max and Spar.
– 1 reward point = ₹0.25 or 25 paise. (2.4 SBI reward points = 1 Landmark reward point = ₹0.60. Hence 1 SBI reward point = ₹0.25 or 25 paise)

✔︎ Upto 5.27% additional benefits, based on achieving 3 annual card spend levels at Landmark stores (both online and offline shopping)-
1. You get 6000 reward points worth ₹1500, at ₹40000 yearly card spend at Landmark stores
2. You get an additional 12000 reward points worth ₹3000, at ₹1 lakh yearly card spend at Landmark stores
3. You get an additional 20,000 reward points worth ₹5000, at ₹1.80 lakh yearly card spend at Landmark stores
Hence you can get a total of 38000 reward points worth ₹9500, at ₹1.80 lakh yearly card spend at Landmark stores – 5.27% benefit. Please see table below for benefits at each level of annual card spend-


BenefitTotal benefit
At ₹40000 yearly card spend at Landmark stores6000 reward points worth ₹15006000 reward points worth ₹1500 – 3.75% benefit
At ₹1 lakh yearly card spend at Landmark storesAdditional 12000 reward points worth ₹3000Total 18000 reward points worth ₹4500 – 4.50% benefit
At ₹1.80 lakh yearly card spend at Landmark storesAdditional 20,000 reward points worth ₹5000Total 38000 reward points worth ₹9500 – 5.27% benefit

Landmark stores include Lifestyle, Home Centre, Max and Spar.

Rewards redemption process
– 1 reward point = ₹0.25 or 25 paise. Since 2.4 SBI reward points = 1 Landmark reward point (LMR) = ₹0.60. Hence 1 SBI reward point = ₹0.25 or 25 paise.
– You need to first convert SBI reward points to Landmark reward points, and then redeem Landmark reward points instantly at Landmark outlets.
– Please click here, to see details, this is an example of how you can redeem reward points

2.50% benefit on dining spends and movie spends

You earn 10 reward points worth ₹2.50 , on every ₹100 you spend on dining and at movies.

1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark stores, as explained in the rewards redemption process in the section above.

0.50% basic benefit on all other spends

You earn 2 reward points worth ₹0.50 (50 paise), on every ₹100 you spend on all other card purchases.

1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark stores.

Please note that no reward points are given on fuel purchases.

Additional benefit upto 1% on all card spends, at ₹5 lakh yearly card spend (milestone program)

You get 20,000 reward points worth ₹5000, at ₹5 lakh or more on your card in a year - 1% benefit.

1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark stores.

Complimentary airport lounge access in India – 2 times per quarter

You get free visits to airport lounges in India, 8 times per year (maximum 2 times per quarter).

Complimentary airport lounge access outside India – 4 times per year (maximum 2 visits per quarter)

You get complimentary membership to Priority Pass program worth USD 99, which enables international airport lounge access.

You get 4 free visits per year, maximum 2 per quarter. Additional visits are chargeable.

Fuel surcharge waiver, upto ₹250 per month

You get a 1% fuel surcharge waiver at all fuel stations across India, only on fuel purchases between ₹500 and ₹4000. And only on fuel purchases upto ₹25,000 per month (since the waiver amount is capped at ₹250 per monthly card statement cycle).

SBI Card customer care

Please click here for all the options to contact the bank for various issues and escalations, including-
– Lost and stolen cards : you can block on your mobile app or internet banking OR through SMS option OR by calling customer care
– Complaints and grievances : including steps on how to escalate to higher levels in case your issue is not resolved
– Raise and manage disputes

3 lifetime-free add-on cards

You can get add-on cards for your parents, spouse, children or siblings above the age of 18 years. For more details, and important terms and conditions, please click here.

Lifestyle Home Centre SBI Card PRIME Fees and Charges

Annual fee


Annual feeAnnual fee offers
1st year joining fee₹2999Welcome offers
– You get 12,000 bonus reward points worth ₹3000 , on payment of the first year joining fee.
Renewal fee from 2nd year onwards₹2999Renewal fee offer
– You get 12,000 bonus reward points worth ₹3000 , on payment of renewal fee.

Late payment fee

Please refer to the below table for details

Amount dueLate Fee
 Less than ₹500Nil
₹501 to ₹1,000₹400
₹1,001 to ₹10,000₹750
₹10,001 to ₹25,000₹950
₹25000 to ₹50000₹1100
Over ₹50000₹1300

Foreign currency transaction fee

3.50% of the transaction value.

Finance charges

3.50% per month (42% p.a.).

Important note

– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all/updated fees & charges on this card, please click here – SBI Credit Card Fees & Charges

Eligibility Criteria

Although your credit card eligibility is based on multiple parameters which can be assessed once you apply for the SBI Credit Card, there are certain basic criteria that all applicants must fulfil.

Minimum age21 years
Maximum age70 years
OccupationSalaried or self-employed
Minimum income requirementsNot specified. Should have a regular source of income
Other criteriaGood credit score, preferably above 750

Application Process

Step-by-step guide

Online application processThe easiest way to apply is to click here – APPLY NOW , you shall be taken to the card application page on the SBI Card website. You can also visit the official website of SBI Card and fill out the application form.

Steps :
– Fill out the online application form – personal details like mobile phone number, emplyment, income, Aadhar / PAN number
– Click ‘Submit’ and you will receive an instant decision on the application basis the information provided
– If your application is approved, you will receive a call from SBI Card team for verification
– Post necessary verification, the card is issued to you

Virtual card : In addition to this, SBI Card team will send an SMS on your registered mobile number with a link to generate your e-card. With this e-card you can view your credit card details digitally, even before your physical card reaches you, and start shopping online instantly.
Offline (face to face)  application processYou can visit any of the nearest branches of SBI Card, and talk to an executive regarding the process.

Necessary documents and verification

Required documents   – PAN card

– Copy of Aadhaar card (with first 8 digits masked) or any valid government address proof

– Income documents – salary slip, income tax return etc. may be required depending upon the credit card eligibility & policy

In addition to these, you maybe asked to provide additional documents, on a case-to-case basis.

Tracking your application status

Tracking credit card application status– You can track the status of your application on – ‘Track Application’ section.

– Please click here – Home page (and see top section of the page section named – ‘Track your application’) OR
– Please click here – Eapply page (and see bottom of the page section named – ‘Track Credit Card Application’)
You need to enter some basic information (like application number/ reference number, name, mobile number), to see the status of your SBI Card application