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.
Given below is the list of benefits you will enjoy on using this credit card:
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.
Fuel Surcharge Waiver
|Welcome Offer||If you make an ATM withdrawal within 30 days of receiving your credit card, you will then earn Rs.100 as cashback.|
|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.|
|Pay your utility bills||You can use your credit card to pay your telephone, electricity and other utility bills.|
|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||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|
|Finance Charges||3.50% p.m. or 42% p.a.|
|Minimum amount due||5% of the total outstanding amount (minimum of Rs.200)|
|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||
|Overlimit||2.5% of the overlimit amount subject to a minimum of Rs.500|
|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|
|Cash advance fee||
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.
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.
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.
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.
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.
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.
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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