Lifestyle SBI Credit Card
SBI Bank
Last updated: Feb 03, 2026
₹1,499
₹1,499
2.5%
6 visits/yr
Contents
A lifestyle-focused credit card from SBI offering elevated rewards at departmental and lifestyle stores, plus standard rewards on other spends. It includes welcome benefits on payment of the annual fee and milestone perks for higher spends. Additional lifestyle privileges and partner offers make it suited for frequent shoppers and lifestyle spenders.
Features of Lifestyle SBI Credit Card which makes it unique
Smart EMI
Instant EMI conversion at checkout on eligible transactions
Flexible repayment
Faster EMI onboarding versus many peers
Spend Analyzer
Monthly spend categorisation and insights
Better budgeting
AI-based insights for smarter spend tracking
Rewards Structure of Lifestyle SBI Credit Card
Lifestyle / Departmental Stores
acceleratedAt Lifestyle, Home Centre, Max, and partner departmental stores
High earn rate at partnered lifestyle and departmental retailers.
Dining
acceleratedRestaurants and dining merchants
Elevated reward rate on dining spends.
Travel
acceleratedTravel bookings and international spends
Better earn on travel-related purchases and international transactions.
Base
baseAll other eligible merchants (excludes fuel, EMI, utilities, wallet top-ups)
Standard earn rate on everyday spends.
Milestones of Lifestyle SBI Credit Card
Annual Milestone
₹2,00,000 : Milestone benefits as per SBI Card terms (examples: vouchers or bonus points)
Quarterly Milestone
₹50,000 : Quarterly reward voucher or bonus points (subject to variant)
Fees & Charges of Lifestyle SBI Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹1,499 |
| Annual Fee | ₹1,499 |
| Forex Markup Fee | 2.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Annual fee may be waived or benefits given based on specified annual spend as per SBI Card T&Cs.
Fee Explanation Standard bank rates and SBI Card terms apply to all fees and overdue amounts.
Detailed Explanation of Lifestyle SBI Credit Card Fees
Annual Fee: 1499 (yearly)
Welcome benefit provided on payment of annual fee; fee may be offset by annual spend benefits.
Cash Advance Fee: 2.5% (transaction)
Minimum amount as per SBI Card T&Cs.
Lounge Access Benefits with Lifestyle SBI Credit Card
domestic Lounges
silverVisits per year: 4
Guest access: No
Domestic lounge access depends on card variant and T&Cs
international Lounges
silverVisits per year: 2
Guest access: Yes
International lounge access typically via Priority Pass on select variants
Insurance Coverage with Lifestyle SBI Credit Card
Travel insurance
₹10,00,000Coverage and limits depend on card variant and travel purchase conditions
Purchase protection
₹50,000Claims accepted within 90 days per card T&Cs
Additional Features of Lifestyle SBI Credit Card
Contactless Payments
Tap-and-pay enabled
Add-on Cards
Up to 3 add-on cards (variant dependent)
Welcome Bonus with Lifestyle SBI Credit Card
Welcome Bonus: 2,000 bonus reward points
Bonus Conditions: Welcome bonus provided on payment of the annual fee (as per card variant).
Application Process for Lifestyle SBI Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Apply online via SBI Card / YONO portal
Upload KYC documents
Receive verification call
Card dispatched within 5-7 business days
Required Documents for Lifestyle SBI Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Lifestyle SBI Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally (Visa network)
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Lifestyle SBI Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹35,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant must have valid PAN and Aadhaar; additional KYC as required by SBI Card.
How Approval Is Decided
- Minimum income as per card variant
- Indian resident
- Credit score above 700
Pros of Lifestyle SBI Credit Card
- Strong rewards at lifestyle and departmental retailers
- Welcome benefit on annual fee payment
- Milestone bonuses for higher spenders
Cons of Lifestyle SBI Credit Card
- Annual fee applies (may be substantial depending on variant)
- Some benefits vary significantly by card variant
Frequently Asked Questions about Lifestyle SBI Credit Card
Is there a joining fee?
Yes. The card charges an annual/joining fee which is often accompanied by a welcome benefit when the fee is paid.
How do I get the welcome bonus?
Welcome bonus is provided according to the card variant—often credited on payment of the annual fee or on meeting an initial spend requirement.
What are the annual fee waiver conditions?
Annual fee waivers or credits depend on the yearly spend thresholds specified in the card variant terms.
Can I convert purchases to EMI?
Yes—instant EMI or conversion to EMIs is available on eligible transactions subject to bank approval.
Which mobile wallets are supported?
The card supports Apple Pay, Google Pay, Samsung Pay, Phone Pay and Paytm for contactless and digital payments where supported.
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