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SBI Card
Lifestyle Home Centre SBI Card
Visa
Lifestyle Home Centre SBI Card
The entry card in SBI's Lifestyle/Home Centre co-brand family, offering low-fee accelerated rewards for shoppers loyal to the Lifestyle fashion and Home Centre furnishing chains.
Annual fee
₹499
Joining fee
₹499
Reward type
points
Base reward rate
0.5%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 650+ whose spend is concentrated in online shopping. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.5% base rate
Benefits by category
- 🛍️ Shopping
5% reward rate
- ⛽ Fuel
1% fuel surcharge waiver at fuel stations.
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 650
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,00,000
- Foreign currency markup: 3.5%
- Interest rate: 3.5% p.a.
Benefits
- Welcome voucher from Lifestyle and Home Centre stores.
- Accelerated points on spends at Lifestyle, Home Centre and other Landmark Group brands.
- 1% fuel surcharge waiver at fuel stations.
Pros
- + Low fee with an easy waiver spend
- + Accelerated rewards at Lifestyle and Home Centre
- + Part of the wider Landmark Group rewards network
Cons
- − Rewards concentrated in a narrow set of stores
- − No travel or lounge benefits