Lifestyle HC SBI Card

• Accepted worldwide at over 24 million merchant locations including more than 3.25 lakh in India 

• Includes an Easy Bill Pay facility for paying utility bills 

• Any of your purchases of Rs.2,500 or above to be converted into EMIs that are initiated, of your choice, within 30 days with its Flexipay feature. 

• Offers a balance transfer facility designating your outgoing balances on other credit cards at lower rates. 

• Includes complimentary add-on cards for members of your family aged 18 years and above with the same limit. 

• Allows cash withdrawal with Cash on the Go facility at any one million Visa ATMs in the world.

Benefits of the Lifestyle HC SBI Card

The advantages of the Lifestyle HC SBI Card are as follows:

• Receive 2,000 reward points for using the card on payment of the first-year fee and 2,000 points on its renewal. 

• Earn 10 points per Rs.100 spent at Landmark Group stores (Lifestyle, Home Centre, Max, Spar, EasyBuy and Babyshop).
• Earn 5 points per Rs.100 spent on dining, movies and international transactions. 

• You will earn one reward point per Rs.100 for all other retail purchases, not fuel. 

• Points can be used as instant redemptions at their partner stores Landmark, with 4 points being equal to Rs.1. 

• You can earn 8,000 milestone bonus reward points a year on retail spends of Rs.2,00,000. SBI Card's and Lifestyle HC SBI Card's official pages do not state an exact milestone bonus-point figure for this card variant. To confirm manually.

• You get a 1 percent waiver of the fuel surcharge on fuel purchases between Rs.500 and Rs.3,000, subject to a maximum waiver of Rs.100 per statement cycle.

Fees and Charges

The fees and charges associated with the Lifestyle HC SBI Card are as follows:  

Note: The interest rates are effective from 28 July 2026. 

Eligibility Criteria for the Lifestyle HC SBI Card

To be considered for the Lifestyle HC SBI Card, applicants must meet the basic eligibility requirements: 

• Minimum Age: The applicant must be 21 years old and over 

• Occupation: Salaried or self-employed. 

• Income: Regular source of income. 

• Credit Profile: A good credit score with a clean repayment history will make the approval process more favorable. 

Documents Required

As an applicant for the Lifestyle HC SBI Card you will need to provide the following documents:  

Identity Proof: PAN Card (mandatory for all applicants) 

Proof of Address: (Any acceptable government proof that has a verifiable address; acceptable documents include): 

• Aadhaar Card (with first 8 digits blocked) 

• Passport 

• Driving Licence 

• Voter ID 

Proof of Income: Documents required will depend on the on eligibility and credit card policy: 

• Latest Salary Slip – (for salaried individuals) 

• Income Tax Return (ITR) (for self-employed individuals) 

Note: SBI may ask you for more documents or proof, based on your credit profile and any card policy applied at the time of application. Before submitting your application, ensure your application form is revised and legible.

How to Apply for the Lifestyle HC SBI Card

Follow the instructions given below to apply for Lifestyle HC SBI Card:

• Step 1: Visit the official SBI Card site and navigate to the credit cards section. 

• Step 2: Select 'Lifestyle HC SBI Card'.

• Step 3: You will see Click ‘Apply Now.’ This button will open the online application form. 

• Step 4: You will either be prompted to register a new user account, or if you have an SBI card already, you will be asked to log in. 

• Step 5: You will enter your mobile number (linked to Aadhaar for OTP verification), PAN, date of birth, and other personal details. 

• Step 6: Next, SBI will send an OTP to your registered mobile number. Enter this OTP to verify your mobile number and continue. 

• Step 7: After logging in, you must fill in your full name, address, whether you are salaried or self-employed, your monthly or annual income, company name, and designation (if employed). 

• Step 8: Now, you can complete your KYC verification. 

• Step 9: After you have entered your details and completed KYC, review the application and submit. 

• Step 10: Your application will be assessed by SBI and approved or denied based on your credit profile and the documents you submitted. 

• Step 11: If approved, your Lifestyle HC SBI Card will be shipped within 7–10 working days to the address registered.

Offline Application for Lifestyle HC SBI Card

If you want to apply for Lifestyle HC SBI Card in person, then follow these steps:  

• Step 1: Go to the nearest SBI branch: Go to the nearest SBI branch: Visit any State Bank of India branch that offers a credit card service. Ask to speak with the customer service representative about applying for the Lifestyle HC SBI Card.

• Step 2: Ask for an application form and fill it in: Request the credit card application form for co-branded cards. Fill the application with your details such as personal, jobs, and income in capital letters. 

• Step 3: Provide your documents: Attach self-attested copies of the following documents: 

• Proof of identity and address (Aadhaar, Passport, Driving Licence, etc.) 

• PAN card 

• Latest salary slips or IT returns or bank statement to prove your income 

• Step 4: KYC completion: You will need to show your original documents for identity verification. An additional biometric authentication or e-KYC might be completed at some branches as well. 

• Step 5: Submit the entire application to an SBI staff member: Wait for SBI processing. Your credit profile, income eligibility, and documentation will be verified by SBI. The process can take up to 10-20 working days. 

• Step 6: Approval and card will be delivered: Once your card is approved, it will be sent to your provided registered address. 

Summary

The Lifestyle HC SBI Card is SBI Card's co-branded shopping card with the Landmark Group, previously known as the Lifestyle Home Centre SBI Card. It rewards shoppers with accelerated points at Lifestyle, Home Centre, Max and Spar, alongside EMI conversion, add-on cards and a fuel surcharge waiver. Check your eligibility and apply online or at an SBI branch to start earning on your everyday shopping.

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