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 SELECT 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 an annual fee and a joining fee of Rs.1,499 along with a finance charge of 3.35% per month.

    Key Highlights of the Lifestyle HC SBI Card SELECT

    • 6,000 bonus reward points on paying the joining fee.
    • 10x reward points on online and offline expenses at Landmark Stores.
    • 1% fuel surcharge waiver.
    • Cashback benefits.

    Features and Benefits of the Lifestyle HC SBI Card SELECT

    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 annual fee, get 6,000 reward points.
    Reward Point Benefits
    • 2 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.
    Spend-Based Benefits
    • On spending Rs.3 lakh in a year, 12,000 bonus reward points are given.
    Fuel Benefits
    • 1% fuel surcharge waiver on all transactions.

    Lifestyle HC SBI Card SELECT Credit Limit

    The credit limit for the Lifestyle Home Center SBI Card SELECT 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 SELECT Fees and Charges

    Type of Fee Charge
    Joining fee Rs.1,499
    Annual fee Rs.1,499
    Cash advance fee 2.5% 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.950
    Cash advance fee 2.5% of the transaction amount (subjected to a minimum of Rs.300)
    Minimum amount due 5% of the total outstanding amount (minimum of Rs.300)
    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.500.
    Free credit period 20 – 50 days
    Rewards redemption fee Rs.99

    Eligibility Criteria for Lifestyle HC SBI Card SELECT

    Nationality He or she must be a citizen of India.
    Age The applicant must be 18 years old.
    Employment status The primary applicant must have a steady source of income and be salaried or self-employed.
    Credit Score Applicants holding a good credit score will be eligible for the card.

    Documents Required for the Lifestyle HC SBI Card SELECT

    Income Proof Identity Proof Proof of Address
    IT Returns Aadhaar Card Ration Card
    Form 16 Driving License Passport
    Salary Slip Voter ID Aadhaar Card
    - - Voter ID

    Lifestyle HC SBI Card SELECT FAQs

    1. How can I redeem the reward points on the Lifestyle HC SBI Card SELECT?

      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 SELECT?

      The annual fee of the Lifestyle HC SBI Card SELECT is Rs.1,499.

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

      The finance charges of the Lifestyle HC SBI Card SELECT is 3.35% per month.

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