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Lifestyle Home Centre SBI Card

Lifestyle Home Centre SBI Card

The rewards card for fashion and lifestyle enthusiasts

Rewards

Rewards

5X points on Lifestyle, Home Centre & mor

Fuel

Fuel

1% fuel surcharge waiver

Welcome Bonus

Welcome Bonus

Receive up to 2,000 reward points 

Check Your Eligibility for This Card

Enter your details to get started

Key Highlights

Important benefits and features of this credit card
BenefitDetails
Welcome GiftReceive 2,000 reward points upon payment of the joining fee.
Accelerated RewardsEarn 5 reward points on every ₹100 spent at Lifestyle, Home Centre, Max, and Spar stores.
Milestone BenefitsGet up to 16,000 reward points annually on achieving spending milestones.
Low Annual FeeAnnual fee of ₹499 + GST
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions between ₹500 and ₹3,000, with a maximum benefit of ₹100 per statement cycle.

Categorisation

Card classification and attributes
AttributeClassification
Issuer / ProviderSBI Card & Payment Services Ltd.
Bank / Non-bankBank-affiliated
CategoryShopping / Retail Rewards
Type of CardVisa
Free or Paid₹499 Annually

What This Card Is Best For

The Lifestyle Home Centre SBI Card is one of the best choices for individuals who regularly shop at Landmark Group stores. Designed specifically for fashion and lifestyle shoppers, this card offers attractive rewards on purchases made at Lifestyle, Home Centre, Max, and Spar stores. Cardholders can earn reward points on every transaction and convert them into Landmark rewards for additional benefits, making it an ideal choice for those who frequently shop at these retail outlets. 

Overview 

  • Global Acceptance: Use the card at over 24 million outlets worldwide, including 325,000 in India, making it versatile for both domestic and international purchases. 

  • Contactless Payments: Make fast and secure contactless transactions with Visa payWave technology for purchases without entering a PIN. 

  • Add-on Cards: Empower family members by providing supplementary cards to parents, spouse, children, or siblings above 18 years, allowing shared benefits at no additional cost. 

  • Cash Withdrawals: Access cash from over 1 million Visa ATMs globally, ensuring liquidity when needed. 

  • Utility Bill Payments: Settle electricity, mobile, and other utility bills conveniently using the Easy Bill Pay facility. 

  • Balance Transfer on EMI: Transfer outstanding balances from other banks' credit cards at lower interest rates and repay in easy EMIs, providing financial flexibility. 

  • Flexipay: Convert purchases of ₹2,500 or more into easy monthly instalments within 30 days, helping manage expenses efficiently. 

Rewards and Benefits 

Earning Cash Rewards 

  • 5X Reward Points: Earn 5 reward points on every ₹100 spent at stores like Lifestyle, Home Centre, Max, and Spar. 

  • 1X Reward Point: Earn 1 reward point per ₹100 on other retail spends. 

Redeeming Cash Rewards 

  • Instant Redemption: Redeem reward points instantly at Lifestyle, Home Centre, Max, and Spar stores. 

Generous Welcome Bonus 

  • 2,000 Reward Points: Receive 2,000 bonus reward points upon payment of the joining fee. 

Milestone Benefits 

  • Annual Spend of ₹2,00,000: Receive 2,000 bonus reward points on retail spending of ₹2,00,000 or more in a calendar year. 

  • Total Milestone Rewards: Up to 16,000 reward points can be earned annually through milestone benefits. 

Fuel Surcharge Waiver 

  • 1% Waiver: Get a 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 at fuel stations across India. 

  • Maximum Benefit: The maximum waiver is ₹100 per statement cycle per credit card account. 

Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.   

Fees & Charges of Lifestyle Home Centre SBI Card

All applicable fees for this credit card
Fee TypeAmountDetails
Joining Fee₹499 + GSTOne-time charge when the card is issued.
Annual Fee₹499 + GSTCharged every year.
Add-on Card Fee₹0No charge for supplementary cards for family members.
Fuel Surcharge1% on transactions between ₹500–₹3,000Maximum benefit of ₹100 per statement cycle.

Eligibility Criteria for Lifestyle Home Centre SBI Card

Requirements to apply for this card
CriteriaDetails
Age
Minimum 21 years and above
Occupation
Salaried / Self-Employed
Other Criteria
Regular source of income, good credit score, valid PAN card, valid Aadhaar card or any government-issued address proof

Required Documents

Documents needed for application
Document TypeDetails
Identity ProofPAN Card (mandatory)
Address ProofAadhaar Card (with first 8 digits masked) or any valid government-issued address proof (Passport, Driving Licence, Voter ID, Utility Bills)
Income ProofLatest salary slips (1-3 months), Income Tax Return (ITR), Form 16, or last 3 months' bank statements as per bank policy

How To Apply for Lifestyle Home Centre SBI Card

Follow these simple steps to apply for this card
1

Click on Apply Now: Hit the 'Apply Now' button to start your application.

2

Fill in Your Detail: Enter your personal, contact, and financial details in the application form.

3

Upload Required Documents: Upload your PAN Card, Aadhaar/Address Proof, and Income Proof.

4

Submit Your Application: Review all the details and click Submit.

5

Approval & Card Delivery: Once approved, your Lifestyle Home Centre SBI Card will be delivered to your registered address.

How To Use the Lifestyle Home Centre SBI Card

Tips to maximize your card benefits
Usage TipsDetails
Maximise Rewards
Use the card for shopping at Lifestyle, Home Centre, Max, and Spar stores to earn 5X reward points on every purchase.
Redeem Reward Points
Convert SBI Card reward points into Landmark rewards and redeem them instantly at participating stores or through the rewards catalogue.
Track Milestone Benefits
Monitor spending throughout the calendar year to achieve milestone targets and earn bonus reward points.
Pay Utility Bills
Utilise the Easy Bill Pay facility to pay for electricity, telephone, mobile, and other utility bills conveniently.
Track Spending
Monitor spending and reward points through the SBI Card mobile app or online portal to stay updated on accrued benefits.
Set Up Alerts
Enable transaction alerts to stay informed about spending, reward accumulation, and payment due dates.
Contactless Payments
Use the contactless feature for fast and secure transactions at enabled merchants.

Things To Know

Important information about this card
  • Ensure meeting the eligibility criteria including minimum age, occupation type, and valid identity/address proofs.
  • Check the credit score before applying; a score of 750 or above is generally recommended for better approval chances.
  • Understand the annual fee of ₹499 + GST and the same is applied every year as a renewal fee.
  • Familiarise with the reward points structure, especially the accelerated 5X earning rate at Landmark stores.
  • Be aware that fuel transactions, property rental, and wallet uploads do not earn reward points.
  • Know the payment due dates to avoid late fees and negative impact on credit score.
  • Understand the milestone benefits structure and plan spending accordingly to maximise annual rewards.
  • Review the reward points validity and redemption options to utilise benefits effectively.

The Lifestyle Home Centre SBI Card is designed for users who want to maximize their credit card benefits effectively.

Do's

  • Use the card for shopping at Lifestyle, Home Centre, Max, and Spar to maximise 5X reward points
  • Pay the credit card bill in full and on time to avoid interest charges
  • Track milestone spending throughout the year to earn bonus reward points
  • Convert SBI reward points into Landmark rewards for dual benefits
  • Use Flexipay for high-value purchases to convert them into EMIs
  • Keep the card secure and use contactless payments when possible
  • Monitor transactions regularly through the SBI Card app

Don't

  • Avoid overspending beyond repayment capacity just to earn rewards
  • Do not miss the minimum payment to maintain a good credit score
  • Ignore the milestone targets that can provide up to 2,000 bonus rewards points per year
  • Let reward points expire without redeeming them for value
  • Use the card for cash advances unless absolutely necessary due to high fees
  • Share card details, PIN, or OTP with anyone including bank representatives
  • Ignore transaction alerts as they help detect unauthorised usage

Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.

FAQs on Lifestyle Home Centre SBI Card

Common questions about this credit card

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