Lifestyle Home Centre SBI Card

Lifestyle Home Centre SBI Card is a credit card specially geared towards shopping because it has been launched in association with the Landmark stores. Therefore, if you prefer shopping at Lifestyle, Home Centre and Max stores or on their websites online, the Lifestyle Home Centre SBI Card can be a great choice for you. It provides huge rewards on  purchases from the above mentioned retail or online stores.

Lifestyle is one of the leading retail brands that offers a range of fashion, beauty and home products and provides the latest trends to its customers in all these spheres. It is a part of the ‘Landmark Group’ and includes multiple shopping categories for men, women and children. Therefore, it focuses on the convenience of the customer by offering a range of products under a single roof.

  • Sure Card
  • Lifestyle Home Centre SBI Card
Features Sure CardLifestyle Home Centre SBI Card
EligibilityEveryone 18+23-60 years age group. Income criteria set by the bank and may vary. Good Credit score is a must.
Approval100%Not guaranteed, not transparent
Joining FeesNILRs. 588.82 (Rs. 499 + 18% GST)
Annual FeesNILRs. 588.82 (Rs. 499 + 18% GST)
Interest Rate10-14%Upto 3.50% per month (42% per annum)
Cash Advance FeeNo Cash Advance2.5% of the amount withdrawn; minimum of Rs. 500
Over-limit ChargesNo over-limit transactions2.5% of the overlimit amount; minimum of Rs. 600
Late payment chargesNILFrom Rs.0 to Rs.500 - Nil More than Rs.500 up to Rs.1,000 - Rs.400 More than Rs.1,000 up to Rs.10,000 - Rs.750 More than Rs.10,000 up to Rs.25,000 - Rs.950 More than Rs.25,000 up to Rs.50,000 - Rs.1,100 More than Rs.50,000 - Rs.1,300
Card replacement feeNILRs. 100 to Rs. 250
Fuel SurchargeNIL1% of purchase amount 1% surcharge waiver (excluding all applicable taxes wherever applicable + other charges) on transactions of Rs. 500 - Rs. 3000 Maximum waiver of Rs. 100 per statement cycle per card account
Foreign Currency TransactionNIL 3.50%
Minimum Amount DuePay in Full5% of total outstanding amount Minimum of Rs.200 + applicable taxes
Rewards10 points for every Rs.100/- transaction for everyone, everywhere.5 reward points per Rs. 100 spent at Landmark stores and on dining and movies. 1 reward point per Rs. 100 spent on other retail purchases (except fuel). 4 reward points = 1 Rs
Referral RewardYesYes, but subject to approval
Anniversary RewardYesNo
Birthday RewardYesNo
ChargebackSimple online formMail printed and signed form
Privacy and SecurityYour data is not used and not soldContactless Transaction.
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Lifestyle Home Centre SBI Card vs. SURE Card

The Lifestyle Home Centre SBI Card provides a cumulative milestone benefit upto 16,000 RP worth Rs. 4000 and 8000 bonus reward points on overall annual retail spends of Rs. 200,000. It also offers a renewal benefit of 2000 reward points worth Rs. 500 on payment of renewal fees. 

The Lifestyle Home Centre SBI Card facilitates shopping and provides benefits and rewards on the same, thus charging an annual fee.  However, the rewards and benefits are majorly applicable on the landmark retail and online stores. Therefore, they are limited to a single brand that the card is in collaboration with. On the other hand, SURE provides offers across multiple categories and the reward points can be used on various purchases without any annual or renewal fee charges.

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