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Lifestyle Home Centre SBI Card PRIME

MyRupaya Ratings
औसत रेटिंग है 3 5 में से

MyRupaya Ratings

उत्पाद विवरण
क्रेडिट कार्ड का नाम

Lifestyle Home Centre SBI Card PRIME

Bank Name :

State Bank Of India

प्रकार

Rewards Credit Card

ब्याज दर

3.50% per month (42% per annum) from the transaction date. 

पात्रता

Age: You must be minimum 21 and maximum 70 years old.
Income: You must have a stable source of income.
Credit score: A good credit score is generally required.

Lifestyle Home Centre SBI Card PRIME
पेशेवरों

  • Welcome Benefit: Users will get 12,000 reward points equivalent to INR 3,000 on payment of the annual fee. 

  • Reward System: Users will get 15 points on spending every INR 100 on online & retail landmark stores (Lifestyle, Home Centre, Max and Spar). Value of 1 point = INR 0.25 Effective store cashback rate: 3.75%. 10 points on spend of every INR 100 on dining, movies & entertainment spends. Effective dining/entertainment cashback rate: 2.5%. 2 reward points per INR 100 spent on other retail purchases (Non-fuel). Effective general cashback rate: 0.5%.

  • Milestone Benefits: Users can earn 6000 bonus reward points on annual spends of INR 40,000 across all landmark stores, 12,000 bonus reward points on annual spends of INR 1,00,000 across all landmark stores,  20,000 bonus reward points on annual spends of INR 180,000 across all landmark stores.

  • 12,000 reward points worth INR 3,000 will be awarded on payment of renewal fees.

  • 8 complimentary visits each year to domestic airport lounges (subject to a maximum of 2 each quarter).

  • Free Priority Pass membership and 4 international lounge visits every year. 


 


 

दोष

  • Low general cashback rate.

  • The card is suited only for those individuals who purchase regularly from landmark stores.

पक्ष विपक्ष
Welcome Benefits

12,000 reward points equivalent to INR 3,000 on payment of the annual fee. 

पुरस्कार प्रणाली

  •  Users will get 15 points on spending every INR 100 on online & retail landmark stores (Lifestyle, Home Centre, Max and Spar). Value of 1 point = INR 0.25 Effective store cashback rate: 3.75%. 10 points on spend of every INR 100 on dining, movies & entertainment spends. Effective dining/entertainment cashback rate: 2.5%. 2 reward points per INR 100 spent on other retail purchases (Non-fuel). Effective general cashback rate: 0.5%.

अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप

3.5%.

स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण

15 point on spend of every INR 100 on online & retail landmark stores (Lifestyle, Home Centre, Max and Spar). Value of 1 point = INR 0.25 Effective store cashback rate: 3.75%

Eligibility Criteria

Age: You must be minimum 21 and maximum 70 years old.
Income: You must have a stable source of income.
Credit score: A good credit score is generally required.

फ़ायदे

  • Great cashback on landmark stores. 

  • Good value add benefits such as free priority pass membership.

विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?

1. Online: This is the faster and more convenient method:

  • Visit the SBI Card website: Head to the official SBI Card website.

  • Navigate to the Lifestyle HC SBI Card PRIME page: Find the "Personal" category and choose "Shopping" as the sub-category. 

  • Click "Apply Now": Look for the prominent "Apply Now" button on the card page.

  • Fill out the application form: Provide your personal details, income information, and KYC documents like PAN, etc.

  • Review and submit: Carefully review the application details.

  • Await decision: You'll receive an instant preliminary decision based on the information provided.

2. Offline: This method involves visiting a SBI branch and completing the application process:

  • Visit an SBI branch: Find a nearby SBI branch and express your interest in applying for the Lifestyle HC SBI Card PRIME.

  • Fill out the application form: A bank representative will assist you with the form and guide you through the process.

  • Submit the form and documents: Provide all requisite documents such as PAN, Aadhaar, and income proof along with the completed application.

  • Await decision: The bank will process your application and inform you about the final decision through your preferred communication channel.

सम्पर्क करने का विवरण

l 1860 500 1290, 1860 180 1290, 39 02 02 02(Prefix local the STD code) or 1800 180 1290 (Toll Free)

खाता खोलने की प्रक्रिया और प्रक्रिया

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विशेष विशेषता, पात्रता और लाभ

Pros:-

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Cons:-

  • Welcome Benefit: Users will get 12,000 reward points equivalent to INR 3,000 on payment of the annual fee. 

  • Reward System: Users will get 15 points on spending every INR 100 on online & retail landmark stores (Lifestyle, Home Centre, Max and Spar). Value of 1 point = INR 0.25 Effective store cashback rate: 3.75%. 10 points on spend of every INR 100 on dining, movies & entertainment spends. Effective dining/entertainment cashback rate: 2.5%. 2 reward points per INR 100 spent on other retail purchases (Non-fuel). Effective general cashback rate: 0.5%.

  • Milestone Benefits: Users can earn 6000 bonus reward points on annual spends of INR 40,000 across all landmark stores, 12,000 bonus reward points on annual spends of INR 1,00,000 across all landmark stores,  20,000 bonus reward points on annual spends of INR 180,000 across all landmark stores.

  • 12,000 reward points worth INR 3,000 will be awarded on payment of renewal fees.

  • 8 complimentary visits each year to domestic airport lounges (subject to a maximum of 2 each quarter).

  • Free Priority Pass membership and 4 international lounge visits every year. 


 


 

  • Low general cashback rate.

  • The card is suited only for those individuals who purchase regularly from landmark stores.

The USP of the card is that it offers 37.5% cashback on landmark stores (Lifestyle, Home Centre, Max and Spar). The card also offers good milestone benefits and welcome benefits. Card comes equipped with free domestic lounge visits, and free membership to priority pass. Card is a good beginner/first credit card for the youth.

Lifestyle Home Centre SBI Card Prime Review

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

उत्पाद समीक्षा
फीस एवं प्रभार

  • Annual Fee (one time): INR 2999 + Taxes.

  • Renewal Fee (per annum): INR 2999 + Taxes.

  • Cash Advance fees: 2.5% or Rs. 500 whichever is higher at domestic ATMs and 2.5% or Rs. 500, whichever is higher at international ATMs.

  • Interest Rate: Up to 3.50% per month (42% per annum) from the transaction date. 

  • Late Payment charges will be applicable if Minimum Amount Due is not paid by the payment due date. NIL for Outstanding Amount on payment date from Rs.0-Rs.500, Rs. 400 for Outstanding Amount greater than Rs. 500 & up to Rs. 1000; Rs. 750 for Outstanding Amount greater than Rs. 1000 & up to Rs. 10,000; Rs. 950 for Outstanding Amount greater than Rs. 10,000  up to Rs. 25,000; Rs. 1100 for Outstanding Amount greater than Rs. 25,000 & up to Rs. 50,000; Rs. 1300 for Outstanding Amount greater than Rs. 50,000. 

  • Reward Redemption Fees: INR 99/- per redemption. 

ईंधन अधिशुक्ल

1% fuel surcharge waiver for each transaction between INR 500 and INR 4,000. Maximum surcharge waiver of INR 100 per statement cycle, per credit card account.

Billing Cycle

30 days.

फीस एवं प्रभार
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