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Lifestyle HC SBI Card

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Apply Now for Lifestyle HC SBI Card

SMS LSHC to 5676791

    • Annual fee : Rs. 499 + taxes
    • Renewal fee : Rs. 499 + taxes

Privileges on Lifestyle HC SBI Card

Know what you would be entitled to with this card

Welcome Benefits

Welcome Benefits

  • Get 2,000 bonus reward points equivalent to INR 500 on payment of annual fees.
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Welcome Benefits
  • Reward Points will be credited to the card holders account within 30 days of annual fee payment.
Reward Benefits

Reward Benefits

  • Enjoy 5 Reward Points on every 100 Rs. spent at Online & Retail Landmark Stores (Lifestyle, Home Centre, Max and Spar) Dining & Movies.
  • Earn 1 Reward point per 100 Rs. spent on other retail purchases (Non fuel)
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Reward Benefits
  • 4 Reward Point = 1 Rs.
Milestone benefits

Milestone benefits

  • Cumulative milestone benefit upto 16,000 RP worth Rs 4,000.
  • Earn 8,000 bonus Reward Points on overall annual retail spends of Rs 200,000.
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Milestone benefits
  • Earn 1,000 bonus Reward Points on annual spends of Rs 20,000 across all Landmark Stores.
  • Earn 2,000 bonus Reward Points on annual spends of Rs 45,000 across all Landmark Stores.
  • Earn 5,000 bonus Reward Points on annual spends of Rs 95,000 across all Landmark Stores.
Fuel Surcharge Waiver

Fuel Surcharge Waiver

  • Enjoy freedom from paying the 1% fuel surcharge across all petrol pumps in India, on transactions of Rs. 500 - Rs. 3,000, exclusive of GST and other charges
  • Get maximum surcharge waiver of Rs. 100 per statement cycle per credit card account
Renewal Benefit

Renewal Benefit

  • Get 2,000 Reward point worth Rs 500 on payment of renewal fees.
  • Reward Points will be credited to the card holders account within 30 days of renewal fee payment.
Reward Redemption

Reward Redemption

  • 1 LMR = 2.4 SBI Card Reward Points.
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Reward Redemption
  • 1 SBI Card Reward Point = Rs 0.25
  • 1 Landmark Reward = Rs 0.60

Know your Lifestyle HC SBI Card

Lifestyle HC SBI Card comes with a host of features

  • Reward Point

      • Earn 1 Reward Point on every Rs. 100 that you spend using the Lifestyle HC SBI Card
      • Convert your Reward Points into Landmark rewards and get dual benefit.
  • Welcome Offer

      • Get Rs. 100 cash back on your first ATM cash withdrawal, if done within 30 days of receiving your card.
  • Contactless Advantage

      • Daily purchases now made easy with Lifestyle HC SBI Card. Simply wave your card at a secure reader to transact.
      • Fast & convenient: No need to hand over your card or look for cash /coins for everyday small ticket purchases
      • Security:  The card never leaves your hand during a Contactless transaction, significantly reducing the risk of card loss and fraud due to skimming (counterfeit). Even if the card is waved multiple times at the reader, the unique security key feature of Visa payWave will ensure that only one transaction goes through, thus making it more secure.
      • Please click here to download the FAQ’s
      • Please click here to download the list of Merchants enabled for transactions.
  • Worldwide Acceptance

      • You can use your Lifestyle HC SBI Card in over 24 million outlets across the globe, including 3,25,000 outlets in India
      • Use your card to make payments at any outlet that accepts Visa.
  • Add-on Cards

      • With Lifestyle HC SBI Card, you can empower your family with add-on cards for your parents, spouse, children or siblings above the age of 18
  • Cash on the Go

      • Withdraw cash from over 1 million Visa ATMs across the globe
  • Utility Bill Payment Facility

      • Pay your electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility on your Lifestyle HC SBI Card.
      • Click here to know more.
  • Balance Transfer on EMI

      • Save money while paying your credit card dues
      • Transfer the outstanding balance of other banks’ credit cards to your Lifestyle HC SBI Card, and avail a lower rate of interest and pay back in EMIs
      • Log on to sbicard.com with your user ID and password to avail this service.
      • Click here to know more.
  • Flexipay

      • With Flexipay, convert your transactions in easy monthly installments. Make any purchase for Rs. 2,500 or more using your Lifestyle HC SBI Card , and log in with your username and password to sbicard.com within 30 days of purchase to convert it into Flexipay
      • Click here to know more.
  • Easy Money

      • With this facility, you can get a draft or cheque against your cash limit and get it delivered to your doorstep.
      • Log in with your username and password to sbicard.com to book Easy Money
  • Fees

      • Annual Fee (one-time): Rs. 499 + GST
      • Renewal Fee (per annum): Rs. 499 + GST
      • Add-on Fee (per annum): Nil
  • Extended credit

      • Interest free credit period: 20-50 days, applicable only on retail purchases and if previous month’s outstanding balance is paid in full.
      • Finance charges: Up to 3.35% per month, accounting to 40.2% per annum, from the date of transaction
      • Minimum amount due: 5% of Total Outstanding (Min. Rs. 200 + all applicable taxes + EMI ( In case of EMI based product) + OVL amount (if any)
  • Cash advance

      • Cash advance limit: Up to 80% of the credit limit, maximum Rs. 12,000 per day
      • Free credit period: Nil*
      • Finance charges: Up to 3.35% per month accounting to 40.2% per annum from the date of withdrawal
  • Cash advance fee

      • SBI or other ATMs: 2.5% of transaction amount, subject to a minimum of Rs. 500
      • International ATMs: 2.5% of transaction amount, subject to a minimum of Rs. 500
  • Other charges

      • Cash Payment Fee: Rs. 199
      • Cheque Fee: Rs. 100 (Payments made via cheque upto Rs. 10,000)
      • Payment Dishonor fee: 2% of the payment amount, subject to a minimum of Rs. 450
      • Statement retrieval: Rs. 100 per statement that is more than 2 months old
      • Billing Cycle Change Rs. 200 per successful change Fee request
      • Network Change Fee Rs. 200 per successful network change (without upgrade or downgrade)
      • Late payment:
        • NIL for Total Amount due from Rs.0-Rs.200;
        • Rs. 100 for Total Amount due greater than Rs. 200 & up to Rs. 500;
        • Rs. 400 for Total Amount due greater than Rs. 500 & up to Rs. 1000;
        • Rs. 600 for Total Amount due greater than Rs. 1000 & up to Rs. 10,000;
        • Rs. 800 for Total Amount due greater than Rs. 10,000 & up to Rs. 25,000;
        • Rs. 950 for Total Amount due greater than Rs. 25,000
      • Overlimit: 2.5% of overlimit amount subject to a minimum of Rs. 500
      • Card replacement:  Rs. 100
      • Emergency card replacement, when abroad: Actual cost, minimum $175
      • Foreign currency transaction: Conversion mark up: 3.5%
      • Dynamic & Static Markup: 3.50% (Only for transactions greater than or equal to Rs. 1000)
  • Surcharges

      • Railway tickets through counters: Rs. 30 + 2.5% of transaction amount
        Railway tickets through irctc.co.in : 1.8% of transaction amount + service charge, as applicable
      • Petrol and other products or services sold at petrol pumps: 1% fuel surcharge waiver for each transaction between Rs. 500 and Rs. 3,000, exclusive of applicable taxes, wherever applicable, and all other charges. Maximum surcharge waiver of Rs. 100 per statement cycle, per credit card accounts.
        1% of transaction amount for transaction Amount Betweeen Rs. 500 to Rs. 3,000
      • Payment of customs duty: 2.25% of transaction amount, minimum of Rs. 75
      • All taxes would be charged as applicable on all the above Fees, Interest & Charges. “Applicable Taxes” (for Statements issued on or after 1st July, 2017) means:
      • For the cardholders having state of residence in the records of SBI Card on the statement date as “Haryana” - Central Tax @ 9% and State Tax @ 9%
      • For the cardholders having state of residence in the records of SBI Card on the statement date as other than “Haryana” - Integrated Tax @ 18%
  • Order of payment settlement

      All payments made for a cardholder account will be settled in the order of Minimum Amount Due (which is inclusive of all applicable taxes + EMI on EMI based products + 5% of Total Outstanding), Fees & Other Charges, and Interest charges, Balance Transfer Outstanding, Purchase Outstanding and Cash Advance.

  • Things to know

      • Cheques payable outside clearing the zones are not accepted. We accept payment through local cheques or drafts payable in Delhi only.
      • All taxes would be charged as applicable on all the above Fees, Interest & Charges.

      For assistance, please call SBI Card helpline at:

      Dial 39 02 02 02 (prefix local STD code) or 1860 180 1290

      All information in this communication is correct as per July 2018 and is subject to change at the discretion of SBICPSL. SBI Card Most Important Terms and Conditions are also available at www.sbicard.com

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