Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
The Lifestyle Home Centre SBI Card is a shopping credit card that has been designed exclusively for consumers who buy online or in stores. This co-branded credit card with Landmark Stores has a Rs.499 renewal cost and Rs.499 joining fee, as well as a 3.50 percent monthly finance charge.
| Welcome Benefits |
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| Cashback Benefits |
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| Renewal Benefits |
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| Reward Point Benefits |
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| Fuel Benefits |
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| Milestone Benefits |
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The bank determines your credit limit for the Lifestyle Home Center SBI Card based on a number of variables, including your credit score, credit utilisation ratio, and past and current debt payback behaviours.
| 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:
|
| 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 |
Online
To apply for the HC SBI credit card online, follow the steps mentioned below:
Offline
Follow the steps mentioned below to apply for the HC SBI credit card offline:
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.
The annual fee of the Lifestyle HC SBI Card is Rs.499.
The finance charges of the Lifestyle HC SBI Card is 3.50% per month.
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