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Lifestyle Home Centre SBI Card 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 3.3% benefit on Landmark spends.

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

SBI Landmark Lifestyle Credit Card

Brief Summary

Our Rating
4.0 / 5

Our View

Best for those who spend upto ₹10,000 on monthly fuel purchases, and are comfortable with being restricted only to BPCL (Bharat Petroleum) fuel pumps. On these levels of fuel spends, you get 4.25% on fuel purchases, including 1% fuel surcharge waiver. Though the benefit rate is slightly lower than some of the other fuel cards, you get special fuel benefits on a comparatively higher monthly fuel spend limit of ₹10,000, this limit is higher than most of the other fuel cards.

The annual card spend target to achieve annual fee waiver from 2nd year onwards is low (₹ 50,000). Moreover the 1st year annual fee is fully compensated by the welcome offer of ₹500.

on SBI Card website

Lifestyle Home Centre SBI Card

Special Benefits

4.25% benefit on BPCL fuel purchases

Other Benefits

Minimum Income

Not specified

Annual Fee

₹ 499

Annual Fee Offers

Welcome offer worth ₹ 500

Renewal fee waived off at minimum annual card spend of ₹ 50,000

Pros and Cons

Benefits

  • Good card entry level card for regular shoppers at Landmark outlets – you can earn upto 3.3% on Landmark spends
  • The card is virtually free, since you get rewards worth the annual fee, upon annual fee payment

Limitations and drawbacks to consider

  • You may need to consider other credit cards for your non-Landmark spends, to earn higher benefits on these 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 Lifestyle Home Centre SBI Card

Upto 3.3% benefit on Landmark store spends
– 1.25% benefit on Landmark store spends
– Upto 2.1% additional benefits, based on achieving 3 annual card spend levels at Landmark stores

1.25% on Landmark store spends
– You earn 5 reward points worth ₹1.25, on every ₹100 you spend at Landmark stores
– 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 2.1% additional benefits, based on achieving 3 annual card spend levels at Landmark stores-
1. You get 1000 reward points worth ₹250, at ₹20000 yearly card spend at Landmark stores
2. You get additional 2000 reward points worth ₹500, at ₹45000 yearly card spend at Landmark stores
3. You get additional 5000 reward points worth ₹1250, at ₹95000 yearly card spend at Landmark stores
Hence you can get a total of 8000 reward points worth ₹2000, at ₹95,000 yearly card spend at Landmark stores – 2.1% benefit

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 on SBI Card’s rewards redemption platform.

Landmark stores include Lifestyle, Home Centre, Max and Spar (on both online as well as in-store shopping)

1.25% benefit on dining spends and movie spends

You earn 5 reward points worth ₹1.25, on every ₹100 you spend on dining and at movies.

1 reward point = ₹0.25 or 25 paise.

0.25% basic benefit on all other spends

You earn 1 reward point worth ₹0.25 (25 paise) , on every ₹100 you spend on all other purchases.

1 reward point = ₹0.25 or 25 paise.

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

Additional benefit upto 1% (milestone program)

Fuel surcharge waiver, upto ₹100 per month

SBI Card customer care

3 lifetime-free add-on cards

Lifestyle Home Centre SBI Card Fees and Charges

Annual fee

Annual feeAnnual fee offers
1st year joining fee₹499Welcome offers
– You get 2000 bonus reward points worth ₹500 , on payment of the first year joining fee.
Renewal fee from 2nd year onwards₹499Renewal fee offer
– You get 2000 bonus reward points worth ₹500 , on payment of renewal fee.

Late payment fee

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

Applying & Tracking Application Status

Step-by-step guide

Online application process The 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
Apply Now

on SBI Card website

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