Lifestyle Home Centre SBI Card Vs. Lifestyle Home Centre | SBI Card SELECT

Lifestyle Home Centre SBI Card

Lifestyle Home Centre SBI Card

Lifestyle Home Centre | SBI Card SELECT

Lifestyle Home Centre | SBI Card SELECT

Comparison of Lifestyle Home Centre SBI Card and Lifestyle Home Centre | SBI Card SELECT

Feature	Lifestyle Home Centre SBI Card	Lifestyle Home Centre \| SBI Card SELECT
Annual Fee	₹499 + GST	₹1,499
Joining Fee	₹499 + GST	₹1,499
Welcome Benefits	Receive 2,000 reward points upon payment of the joining fee.	Receive 6,000 bonus reward points worth ₹1,500 upon payment of the joining fee.
Interest Rate (APR)	N/A	N/A
Foreign Currency Markup	N/A	N/A
Key Highlights	•Welcome Gift •Accelerated Rewards •Milestone Benefits •Low Annual Fee •Fuel Surcharge Waiver	•Accelerated Rewards at Partner Stores •Welcome Bonus •Milestone Benefits •Renewal Benefits •Fuel Surcharge Waiver
Dos	Use the card for shopping at Lifestyle, Home Centre, Max, and Spar to maximise 5X reward points Pay the credit card bill in full and on time to avoid interest charges Track milestone spending throughout the year to earn bonus reward points Convert SBI reward points into Landmark rewards for dual benefits Use Flexipay for high-value purchases to convert them into EMIs	Use the card at Lifestyle, Home Centre, Max, and Spar to earn maximum reward points Track milestone spending at Landmark stores to maximise bonus rewards Redeem reward points regularly to enjoy shopping benefits and statement credits Pay credit card bills on time to avoid interest charges and maintain a good credit score Enable transaction alerts for better expense tracking and fraud prevention
Don'ts	Avoid overspending beyond repayment capacity just to earn rewards Do not miss the minimum payment to maintain a good credit score Ignore the milestone targets that can provide up to 2,000 bonus rewards points per year Let reward points expire without redeeming them for value Use the card for cash advances unless absolutely necessary due to high fees	Avoid overspending beyond repayment capacity just to earn rewards Ignore understanding the reward point conversion rates before redemption Use the card for cash advances unless absolutely necessary due to high charges Do not miss minimum payment deadlines as it affects credit score Share card details or PIN with anyone, including friends and family

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