Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Lifestyle Home Centre SBI Card SELECT

    You can apply for Lifestyle Home Centre SBI Card SELECT if you are looking for a credit card which can help you earn reward points and other benefits on shopping online. It is very easy to apply for this credit card and can be used across 24 million outlets all over the globe.

    Benefits of using Lifestyle Home Centre SBI Card SELECT

    Given below is the list of benefits you will enjoy on using this credit card:

    Welcome Benefits

    You can earn 6,000 bonus points which is equal to Rs.1,500 on paying your annual fees within 30 days of the issuance of the card.

    Reward Benefits

    • You will earn 10 reward points for every Rs.100 spent by you on online and retail landmark stores such as Lifestyle, Home Centre, Spar, and Max.
    • You will earn 2 reward points for every Rs.100 spent by you on non-fuel retail purchases.
    • 4 reward points is equal to 1 rupee.

    Milestone Benefits

    • You can earn cumulative milestone benefits of up to 34,400 reward points worth Rs.8,600.
    • You will be eligible to earn 12,000 bonus reward points if you spend on retail worth Rs.3 lakh annually.
    • You can earn 8,000 bonus reward points on spending Rs.75,000 annually across all Landmark stores.
    • You can earn 12,000 bonus reward points on spending Rs.1.5 lakh annually across all Landmark stores.

    Fuel Surcharge Waiver

    • You can get your fuel surcharge of 1% waived off if you spend anything between Rs.500 and Rs.3,000 on fuel across any petrol pumps in India.
    • The maximum amount that can be waived off per statement cycle is Rs.100.

    Renewal Benefits

    • You can earn 6,000 reward points worth Rs.1,500 on paying the renewal fee to renew your credit card.
    • The reward point will be credited your card account within 30 days of the payment of the renewal fee.

    Reward Redemptions

    • Get dual benefits on converting your reward points into Landmark Rewards where 1 Landmark Rewards is equal to 2.4 SBI Card Reward Points.
    • 1 Landmark Reward is equal to Rs.0.60.

    Features of using Lifestyle Home Centre SBI Card SELECT

    Welcome Offer If you make an ATM withdrawal within 30 days of receiving your credit card, you will then earn Rs.100 as cashback.
    Contactless Advantage
    • You can simply wave your card at a secured reader to enjoy the contactless payment facility offered by the credit card.
    • The process of paying through your contactless Lifestyle Home Centre SBI Card SELECT is fast and convenient.
    • The card comes with various security features. The chances of your card getting misplaced are minimum since it never leaves your hand during transaction. The Visa payWave’s unique security key feature ensures that only one transaction takes place even if the card is swiped multiple number of times.
    Accepted Worldwide
    • This credit card is accepted across 24 million outlets globally including 3.25 lakh outlets in India.
    • You can use this credit card at any outlet which accepts Visa cards.
    Add-On Cards You can avail add-on card facility for members of your family provided they are aged 18 years and above.
    Withdraw cash globally You can withdraw cash from over 1 million ATMs across the globe.
    Balance Transfer on EMIs You can use the Balance Transfer facility to transfer your outstanding amount of another bank’s credit card your Lifestyle Home Centre SBI Card SELECT credit card and pay the due at lower rate of interest via EMIs.
    Flexipay On spending Rs.2,500 and above on your Lifestyle Home Centre SBI Card SELECT credit card, you can convert it into EMIs by using the Flexipay facility. You can avail this facility by logging in to your SBI Card account using your username and password within 30 days of making the transaction.
    Easy Money facility You can use the Easy Money facility to get a demand draft or cheque against your cash limit. The demand draft or cheque will be delivered to your communication address by the bank.

    Fees and Charges

    Fees and charges Amount to be paid
    Annual Fee (one-time) Rs.1,499 + GST
    Renewal Fee (per annum) Rs.1,499 + GST
    Add-on Fee (per annum) NIL
    Cheque pickup Rs.100
    Cheque Fee Rs.100 (Up to Rs.10,000 if payment made through cheque)
    Cash Payment Fee Rs.199
    Payment Dishonor fee 2% of the amount subject to a minimum of Rs.500
    Retrieval of statement fee Rs.100 for statement more than 2 months old
    Change in Billing Cycle Rs.200 for each successful change fee request
    Change in Network Fee Rs.200 for each successful change in network (without upgrade or degrade)
    Late payment fee
    • Nil for amount between Rs.0 and Rs.500
    • Rs.400 for amount more than Rs.500 and up to Rs.1,000
    • Rs.750 for amount more than Rs.1,000 and up to Rs.10,000
    • Rs.950 for amount more than Rs.10,000
    Overlimit 2.5% of the overlimit amount subject to a minimum of Rs.500
    Card replacement Rs.100
    Emergency card replacement when abroad Minimum of $175
    Foreign currency transaction 3.5%
    Dynamic and Static Markup 3.5% for transactions greater than or equal to Rs.1,000
    Extended credit
    • Interest free credit period ranging between 20 to 50 days if the outstanding bill for the previous month has been cleared
    • Finance Charges: Up to 3.35% per month, from the transaction date
    • Minimum amount due: 5% of the total outstanding amount (Minimum of Rs.200 + taxes applicable + EMIs (in case of EMI based products) + Overlimit amount (if any))
    Cash advance
    • The limit for Cash advance is up to 80% the credit limit subject to a maximum of Rs.12,000 per day
    • Free Credit period: NIL
    • Finance Charges: Up to Rs.25 or 3.35% per month whichever is higher, from the withdrawal date
    Cash advance fee
    • SBI or other ATMs: 2.5% of the amount transacted subject to a minimum of Rs.500
    • International ATMs: 2.5% of the amount transacted subject to a minimum of Rs.500
    Surcharges
    • Railway tickets booked through counters: Rs.30 +2.5% of the amount paid
    • Railway tickets booked through irctc.co.in: 1.8% of the amount paid + service charges
    • For petrol and other fuels: 1% surcharge waiver for amount between Rs.500 and Rs.3,000
    • Maximum surcharge waiver of Rs.100 per statement cycle
    • Payment of custom duty: 2.25% of the transaction amount subject to a minimum of Rs.75
    • Central and State Tax will be charged at 9% for cardholders whose place of residence as shown on SBI Card statement is Haryana
    • Integrated Tax will be charged at 18% for cardholders whose place of residence as shown on SBI Card statement is any place other than Haryana

    Order of Payment Settlement

    All amount payable will be settled in the order of minimum transaction amount due to be paid (inclusive of all taxes applicable + EMIs on EMI based products + 5% of total outstanding amount), fees and other charges, rate of interest charged, cash advance, balance transfer amount, and outstanding purchase amount.

    How to apply for Lifestyle Home Centre SBI Card SELECT

    Online

    The steps to apply for Lifestyle Home Centre SBI Card SELECT are given below:

    Step 1: Visit the SBI Card website.

    Step 2: On the menu section, click on ‘Credit Cards’, and then click on ‘Shopping Cards’.

    Step 3: You will be displayed a list of credit cards. Find and click on Lifestyle Home Centre SBI Card SELECT.

    Step 4: Click on ‘Apply Now’ and you will be directed to a new page where you will have to provide details such as your name, email ID, city, and mobile number.

    Step 5: Verify your details with a One-Time Password (OTP) which will be sent to your registered mobile number. Provide other details as required.

    Step 6: Once you have provided all the details, tick the box where you consent to the officials from SBI Card to contact you for credit card application.

    Step 7: Click on ‘Apply Now’.

    You can also SMS LSHC to 567679 from your registered mobile number to apply for Lifestyle Home Centre SBI Card SELECT.

    FAQs

    1. How can I track the status of my credit card application?

      You can track the status of your credit card application by visiting the SBI Card official website where on the main page you will find the option to track the status of your credit card application. Enter your application or reference number and click on ‘Track’ to view the status of your credit card application.

    2. Is there any difference in the process for internet and ATM transactions for the contactless payment through Lifestyle Home Centre SBI Card SELECT?

      No, there is no difference between the internet and ATM-related transactions. You will have to provide secured passwords in both types of transactions except you will provide your PIN for ATM-related transactions, and your 3D secure pin or an OTP for internet-based transactions.

    3. What is the mode of payment of Lifestyle Home Centre SBI Card SELECT credit card bill?

      Some of the modes through which you can pay your credit card bill online are through debit card, net banking, or UPI. You can also use the SBI Auto Debit Facility or National Automated Clearing House (NACH) facility where the lender will deduct the payable amount from your bank account on the due date.

      You can pay your bill offline through an SBI ATM, paying via cash at any SBI counter, or through cheque through electronic dropbox or manual dropbox.

    4. I have lost my credit card. What should I do?

      In the event of you losing your credit card, you must immediately contact an SBI customer care executive and get your card blocked. You will also have to file an FIR and provide a copy of the same to the bank.

    5. I have found my lost credit card. Can I use it again?

      If you find your lost credit card after getting it blocked, you must not use it. Instead, you must destroy the card by cutting it across the magnetic strips. You will be issued a duplicate card by the bank after you have got your old credit card blocked.

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