BankLifestyle Home Centre SBI PRIME Credit Card
SBI Bank
Expert Rating
₹2,999
₹2,999
1.99%
12 visits/yr
Contents
A premium shopping and lifestyle credit card aimed at frequent shoppers of Lifestyle, Home Centre, Max and Spar. It offers accelerated reward points at landmark stores, elevated earn rates on dining and movies, and lounge access benefits for travellers. Best suited for users who spend heavily at partner retail chains and want strong milestone bonuses.
Features of BankLifestyle Home Centre SBI PRIME Credit Card which makes it unique
Smart EMI
Instant EMI conversion at checkout
Flexible repayment
Faster than peers
Spend Analyzer
Monthly expense categorisation and insights
Better budgeting
AI-assisted analytics
Rewards Structure of BankLifestyle Home Centre SBI PRIME Credit Card
Base
baseAll other retail purchases (non-fuel)
Standard earn rate.
Milestones of BankLifestyle Home Centre SBI PRIME Credit Card
Landmark Spend Milestones
Varies by slab : Up to 58,000 reward points annually via milestone slabs
High Annual Spend Bonus
₹5,00,000 per year : 20,000 bonus reward points
Fees & Charges of BankLifestyle Home Centre SBI PRIME Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹2,999 |
| Annual Fee | ₹2,999 |
| Forex Markup Fee | 1.99% |
| Cash Advance Fee | 0 |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 0% |
Renewal Conditions:Reward points (12,000) credited on payment of renewal fee; fee waiver on specified annual spends.
Fee Explanation Standard bank interest and charges apply for overdue amounts and cash advances.
Lounge Access Benefits with BankLifestyle Home Centre SBI PRIME Credit Card
domestic Lounges
silverVisits per year: 8
Guest access: No
Use specified lounges as per bank terms and brochure.
international Lounges
silverVisits per year: 4
Guest access: Yes
Priority Pass membership and international lounge terms apply.
Insurance Coverage with BankLifestyle Home Centre SBI PRIME Credit Card
travel insurance
VariesInsurance benefits subject to card variant and bank T&Cs; changes may apply.
purchase protection
₹50,000Claims within 90 days of purchase; terms apply.
Additional Features of BankLifestyle Home Centre SBI PRIME Credit Card
Contactless Payments
Tap and pay enabled for quick POS transactions
Add-on Cards
Up to 3 add-on cards allowed
Welcome Bonus with BankLifestyle Home Centre SBI PRIME Credit Card
Welcome Bonus: 12,000 bonus reward points
Bonus Conditions: Bonus credited within 30 days of payment of joining/renewal fee; valid as per bank terms.
Application Process for BankLifestyle Home Centre SBI PRIME Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via Finanjo portal or bank site
Upload KYC documents
Receive verification call
Card dispatched within 5-7 business days
Required Documents for BankLifestyle Home Centre SBI PRIME Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
BankLifestyle Home Centre SBI PRIME Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for BankLifestyle Home Centre SBI PRIME Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian resident
Income Requirements
Salaried Applicants
₹30,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN and Aadhaar required; subject to bank verification and eligibility.
How Approval Is Decided
- Minimum income ₹30,000/month
- Indian resident
- Credit score above 700
Pros of BankLifestyle Home Centre SBI PRIME Credit Card
- Very strong reward structure for landmark store shoppers
- Complimentary lounge access (domestic & international)
- Attractive milestone bonuses and renewal benefits
Cons of BankLifestyle Home Centre SBI PRIME Credit Card
- High annual fee (₹2,999)
- Best value requires concentrated spending at partner stores
Frequently Asked Questions about BankLifestyle Home Centre SBI PRIME Credit Card
Is there a joining fee?
Yes. The joining fee is ₹2,999 (varies by variant). Welcome bonus points are credited on payment of this fee.
When do I receive the welcome bonus?
Welcome bonus (12,000 points) is typically credited within 30 days of payment of the joining fee or renewal fee.
How do I get the annual fee waived?
Annual fee waivers apply if you meet the specified annual spend threshold; consult bank terms for exact amounts and timelines.
What are the earn rates on this card?
Earn 15 pts/₹100 at Lifestyle/Home Centre/Max/Spar, 10 pts/₹100 on dining & movies, and 2 pts/₹100 on other retail spends (excl. fuel).
Does the card offer lounge access?
Yes. The card includes domestic and international lounge access as per the Priority Pass and bank brochure; number of complimentary visits varies.
Can I convert spends to EMI?
Yes. Smart EMI conversion is available at checkout subject to merchant and bank terms.
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