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Lifestyle Home Centre SBI Card PRIME

by Kshitiz V Sharma on

The Bottom Line

Lifestyle Home Centre SBI Card PRIME
High Fee, Average Rewards

15 reward points / ₹100 on online & retail Landmark Stores, 10 points on dining & movies, 2 points on all other retail spends.

Monthly Spend ₹5K ₹10K ₹20K ₹50K ₹100K
Net Reward Yield (-4.3%)^ (-1.7%)^ (-0.4%)^ 1.2% 1.0%
Est. Monthly Reward (₹) (220) (175) (85) 580 1,010
All-India Rewards Rank* 316 318 330 94 115
Within Bank Rank* 60 58 64 31 32
* Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.

^The negative figure means at this level of monthly spends, the rewards earned in a year will be worth less than the annual fee.

The Lifestyle Home Centre SBI Card PRIME gives 3.75% effective reward on online & retail Landmark Stores, 2.50% on dining & entertainment and 0.5% on all other spends.

Overall, we estimate you can earn a net reward yield of 1.0 – 1.2% on monthly spending above ₹50,000 with this card.

The CASHBACK SBI Card is the best credit card for most SBI Card customers. We estimate it offers an average net reward yield of 1.9-2.3% on all your spend.

The SBI Unnati Credit Card is the best entry level card from SBI Card, if you spend less than ₹10,000 a month. It offers a net reward yield of 0.3-1.1% on all your spending.

Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.

The Rewards

Card Lifestyle Home Centre SBI Card PRIME
Card Type Reward
Reward Features 15 Rewards / ₹100 on: Online & Retail Landmark Stores (Lifestyle, Home Centre, Max and Spar)

10 Rewards / ₹100 on:
– Dining
– Movies

2 Rewards / ₹100 on all other retail spends

Milestone Rewards 58,000 Reward Points worth ₹14,500 on annual spends up to ₹5 Lacs
Other Rewards – 2 Complimentary Domestic Airport Lounge Visits / Qtr

– 1 Complimentary International Airport Lounge Visits / Qtr

– Complimentary Priority Pass Membership

Rewards Redemption Fee ₹99
Reward Caps Unlimited
Preferred Redemption Method Redeem at Lifestyle, Home Centre and Max Stores
1RP= ₹0.60

Fees & Charges

Card Lifestyle Home Centre SBI Card PRIME
Joining Fee ₹2,999 + Taxes
Annual Fee ₹2,999 + Taxes
Min. Annual Credit Card Spend
for Fee Waiver
Income Criteria Salaried N/A
Self-employed N/A
Supplementary Card Fee Free
Interest Rate 42.00%
Foreign Currency Markup 3.50%
Cash Advance Charge 2.50% transaction amount minimum of ₹500
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