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

    The Lifestyle Home Centre SBI Card is a shopping credit card and is curated specifically for the people who indulge in online or in-store shopping. This co-branded credit card with Landmark Stores comes with a renewal fee and a joining fee of Rs.499 along with a finance charge of 3.50% per month.

    Key Highlights of the Lifestyle HC SBI Card

    • 2,000 bonus reward points equal to Rs.500 on payment of annual fees.
    • 10x reward points on online and offline expenses at Landmark Stores.
    • 1% fuel surcharge waiver.
    • Milestone benefits.

    Features and Benefits of Lifestyle Home Centre SBI Card

    Welcome Benefits
    • 6,000 reward points given on paying the joining fee.
    Cashback Benefits
    • Get cashback of Rs.100 on the first ATM cash withdrawal made on the card.
    Renewal Benefits
    • On paying the renewal fee, get 2,000 reward points.
    Reward Point Benefits
    • 5 reward points for every Rs.100 spent on other expenses.
    • For every Rs.100 spent on online and in-store purchases at Landmark Stores (Home Centre, Lifestyle, etc.), 10 reward points are given.
    • 1 reward point is equal to Rs.4.
    Fuel Benefits
    • 1% fuel surcharge waiver on all transactions.
    Milestone Benefits
    • Earn 16,000 reward points worth Rs.4,000 as cumulative milestone benefit.
    • On spending Rs.2 lakh in a year, 8,000 bonus reward points are given.

    Lifestyle HC SBI Card Credit Limit

    The credit limit for the Lifestyle Home Center SBI Card is assigned by the bank depending on various factors which include your credit score, your credit utilisation ratio, and your repayment habits of past and ongoing debts.

    Lifestyle Home Center SBI Card Fees and Charges

    Type of Fee Charge
    Renewal fee Rs.499
    Annual fee Rs.499
    Cash advance fee 3.50% of the transaction amount (subjected to a minimum of Rs.300)
    Finance charges 3.35%
    Card replacement fee Rs.100
    Late payment fee If the total amount due is between:
    • 0 and Rs.500 - Nil
    • Rs.500 and Rs.1,000 – Rs.400
    • Rs.1,001 and Rs.10,000 – Rs.750
    • Above Rs.10,000 - Rs.25,000 – Rs.950
    • Above Rs.25,000 – Rs.50,000 – Rs.1,100
    • Above Rs.50,000 – Rs.1,300
    Cash advance fee 2.5% of the transaction amount (subjected to a minimum of Rs.500)
    Minimum amount due 5% of the total outstanding amount (minimum of Rs.200)
    Cash advance limit Up to 80% of the credit limit
    Cheque fee Rs.100
    Foreign currency mark-up 3.5%
    Overlimit fee 2.5% of the amount subject to a minimum of Rs.600.
    Free credit period 20 – 50 days
    Rewards redemption fee Rs.99

    How to Apply for HC SBI Credit Card?



    • You can visit the nearest SBI branch along with all the necessary documents and submit it along with the application form. A representative from the bank will help you with the application process.

    Lifestyle Home Centre SBI Card FAQs

    1. How can I redeem the reward points on the Lifestyle Home Centre SBI Card?

      You can redeem the reward points accumulated on the credit card by logging in to your net banking account and selecting the option of ‘redeem rewards’. Once done, select your card and category on the rewards catalogue and choose the rewards you wish to purchase.

    2. What is the annual fee of the Lifestyle HC SBI Card?

      The annual fee of the Lifestyle HC SBI Card is Rs.499.

    3. What are the finance charges of the Lifestyle HC SBI Card?

      The finance charges of the Lifestyle HC SBI Card is 3.50% per month.

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