A premium Landmark Group co-branded credit card that rewards every rupee spent at Lifestyle, Home Centre, Max, and complimentary lounge access, and a welcome gift worth ₹3,000 on joining
12,000 Reward Points (₹3,000) on joining and annual renewal.
Up to 58,000 points (₹14,500) on spending milestones.
8 domestic visits/year; Priority Pass with 4 international visits/year.
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| Benefit | Details |
|---|---|
| Welcome Bonus | 12,000 Reward Points (equivalent to ₹3,000) credited within 30 days of annual fee payment. |
| Renewal Bonus | 12,000 Reward Points (equivalent to ₹3,000) credited within 30 days of renewal fee payment, every year. |
| Landmark Store Rewards (15X) | 15 Reward Points per ₹100 spent at Lifestyle, Home Centre, Max, and SPAR (both online and retail stores). 4 Reward Points = ₹1; this equals 3.75% value-back on these spends. |
| Dining & Movies Rewards (10X) | 10 reward points per ₹100 spent on dining and movies. Equals 2.5% value-back. |
| All Other Retail Spends (2X) | 2 Reward Points per ₹100 on all other non-fuel retail spends. Equals 0.5% value-back. |
| Milestone — Overall Annual Spend | Earn 20,000 bonus Reward Points on achieving an overall annual retail spend of ₹5,00,000. |
| Milestone — Landmark Stores Tiers | Earn 6,000 bonus Reward Points on ₹40,000 annual Landmark Store spend; 12,000 bonus Reward Points on ₹1,00,000; 20,000 bonus Reward Points on ₹1,80,000. Total milestone potential up to 58,000 Reward Points worth ₹14,500. |
| Reward Redemption | Redeem Reward Points instantly at Lifestyle, Home Centre, SPAR, and Max stores. Convert SBI Reward Points to Landmark Rewards at 1 Landmark Reward = ₹0.60. |
| Domestic Lounge Access | 8 complimentary domestic airport lounge visits per year, capped at 2 per quarter. |
| Priority Pass — International Lounges | Complimentary Priority Pass membership worth US$99. 4 complimentary international lounge visits per year (2 per quarter). Post-complimentary visits charged at US$27 plus applicable taxes per visit. |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000. Maximum waiver of ₹250 per statement cycle. |
| Joining & Annual Fee | ₹2,999 + applicable taxes. No fee waiver threshold published. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | SBI Cards and Payment Services Ltd (SBI Card) |
| Bank / Non-bank | Bank-affiliated (State Bank of India) |
| Co-brand Partner | Landmark Group (SPAR, Lifestyle, Home Centre, Max) |
| Category | Shopping / Co-branded Retail Rewards Credit Card |
| Type of Card | Visa Contactless Credit Card |
| Free or Paid | ₹2,999 + Taxes (joining fee); ₹2,999 + Taxes (annual renewal fee). No spend-based waiver published. |
The SPAR SBI Card PRIME is designed for regular shoppers at Landmark Group stores SPAR, Lifestyle, Home Centre, and Max who want the highest possible reward rate on their retail spending. Earning 15 Reward Points per ₹100 (3.75% value-back) at Landmark Stores and 10 Reward Points per ₹100 (2.5% value-back) at restaurants and cinemas, the card consistently delivers strong returns on everyday and lifestyle spending. The welcome and renewal bonus of 12,000 Reward Points (₹3,000) on fee payment each year effectively offsets a significant portion of the ₹2,999 annual charge for loyal cardholders. The tiered Landmark Milestone structure, rewarding spends of ₹40,000, ₹1,00,000, and ₹1,80,000 at Landmark Stores, provides escalating incentives for concentrated spending. An additional 20,000 bonus points on ₹5 lakh overall annual spend brings the cumulative milestone ceiling to 58,000 Reward Points worth ₹14,500. With 8 domestic lounge visits and complimentary Priority Pass access with 4 international visits per year, the card suits frequent shoppers at Landmark outlets who also travel occasionally and value airport comfort.
Co-brand Partnership with Landmark Group: SPAR SBI Card PRIME is a co-branded credit card issued by SBI Cards and Payment Services Ltd in partnership with the Landmark Group, one of India's largest retail conglomerates. Landmark Group operates Lifestyle, Home Centre, Max Fashion, and SPAR Hypermarkets. Cardholders earn the highest reward rate on purchases at all of these retail brands, both in-store and online.
Reward Structure (Tiered by Category): The card earns 15 Reward Points per ₹100 at Landmark Stores (Lifestyle, Home Centre, Max, SPAR), 10 Reward Points per ₹100 on Dining and Movies, and 2 Reward Points per ₹100 on all other non-fuel retail purchases. The redemption rate is 4 reward points = ₹1. Reward Points can be redeemed instantly at all Landmark Store outlets or converted to Landmark Rewards at 1 Landmark Reward = ₹0.60, unlocking dual-brand value.
Welcome and Renewal Bonus: On payment of the joining fee, 12,000 Reward Points (equivalent to ₹3,000) are credited to the cardholder's account within 30 days. The same 12,000 Reward Points (₹3,000) are credited annually on each renewal fee payment, making the bonus a recurring yearly benefit rather than a one-time welcome offer.
Milestone Benefits (Landmark Stores): Three-tiered milestones reward concentrated spending at Landmark Stores: 6,000 bonus Reward Points on annual Landmark Store spends of ₹40,000; 12,000 bonus Reward Points on ₹1,00,000 annual Landmark Store spends; and 20,000 bonus Reward Points on ₹1,80,000 annual Landmark Store spends. These milestones are independent of each other and can be earned across the same year.
Milestone Benefits (Overall Annual Retail Spends): An additional 20,000 bonus Reward Points are earned on achieving overall annual retail spends of ₹5,00,000 across all eligible categories. Combined with the Landmark Store milestones, the total cumulative milestone ceiling is 58,000 Reward Points worth ₹14,500 per year.
Lounge Access (Domestic): 8 complimentary domestic airport lounge visits per year, capped at 2 per quarter. This benefit is provided directly through the card without a separate spend condition.
Lounge Access (International via Priority Pass): Cardholders receive a complimentary Priority Pass membership worth US$99. The benefit includes 4 complimentary international lounge visits per year (2 per quarter). After exhausting the complimentary quota, each additional visit is charged at US$27 plus applicable taxes.
Fuel Surcharge Waiver: 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 at authorised petrol pumps across India, exclusive of GST and other charges. Maximum waiver of ₹250 per statement cycle per card account.
Global Acceptance and Additional Features: Accepted at over 24 million outlets worldwide, including 3,25,000 outlets in India, at any Visa-enabled merchant. Contactless payments via Visa payWave for transactions up to the applicable contactless limit. Add-on cards for family members aged 18 and above. Flexipay for converting transactions of ₹2,500 or more into easy monthly instalments within 30 days of purchase. Balance transfer on EMI facility. Easy Bill Pay for utility bill payments. Easy Money facility for obtaining a cheque or a demand draft against the cash limit.
Landmark Stores (15X): 15 Reward Points per ₹100 spent at Lifestyle, Home Centre, Max, and SPAR (both online and retail). At 4 Reward Points = ₹1, this equals 3.75% effective value-back.
Dining & Movies (10X): 10 reward points per ₹100 on dining and movies. Equals 2.5% value-back.
All Other Non-Fuel Retail Spends (2X): 2 Reward Points per ₹100 on all other eligible retail purchases. Equals 0.5% value-back.
Redemption Rate: 4 Reward Points = ₹1.
Fuel Spends: No Reward Points earned on fuel transactions (1% fuel surcharge waiver still applies on eligible transactions).
Instant In-Store Redemption: Redeem reward points instantly at Lifestyle, Home Centre, SPAR, and Max stores at the point of sale.
Landmark Rewards Conversion: Convert SBI Reward Points to Landmark Rewards. Conversion rate: 1 Landmark Reward = ₹0.60. This enables redemption across the full landmark ecosystem.
SBI Card Rewards Catalogue: Redeem points against the SBI Card Rewards Catalogue for merchandise, gift vouchers, and other options at sbicard.com.
Outstanding Balance: Redeem Reward Points to pay the card's outstanding balance (4 Reward Points = ₹1).
Redemption Fee: ₹99 per redemption request when redeeming through the SBI Card Rewards Catalogue.
Welcome Bonus: 12,000 Reward Points (worth ₹3,000) credited to the cardholder's account within 30 days of joining fee payment.
Annual Renewal Bonus: 12,000 Reward Points (worth ₹3,000) credited within 30 days of each renewal fee payment. This benefit recurs every year, making it an annual recovery of ₹3,000 on the ₹2,999 renewal fee.
First ATM Withdrawal Cashback: ₹100 cashback on the first ATM cash withdrawal if made within 30 days of card receipt.
Landmark Store Milestone Tier 1: 6,000 bonus Reward Points on annual spends of ₹40,000 at Landmark Stores (Lifestyle, Home Centre, Max, and SPAR).
Landmark Store Milestone Tier 2: 12,000 bonus Reward Points on annual spends of ₹1,00,000 at Landmark Stores.
Landmark Store Milestone Tier 3: 20,000 bonus Reward Points on annual spends of ₹1,80,000 at Landmark Stores.
Overall Annual Retail Spend Milestone: 20,000 bonus Reward Points on overall annual retail spends of ₹5,00,000.
Total Cumulative Milestone Potential: Up to 58,000 reward points worth ₹14,500 per year when all milestone thresholds are achieved.
Domestic Lounge Visits: 8 complimentary domestic airport lounge visits per year, capped at 2 per quarter.
Priority Pass Membership: Complimentary Priority Pass membership worth US$99 per year.
Complimentary International Lounge Visits: 4 complimentary international lounge visits per year (2 per quarter) via Priority Pass.
Post-Complimentary Visit Charges: Each additional international lounge visit beyond the complimentary quota is charged at US$27 plus applicable taxes per visit.
How to Apply for Priority Pass: Apply for the Priority Pass card via sbicard.com or by calling the SBI Card customer care helpline.
1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 per transaction at authorised petrol pumps across India.
The waiver is exclusive of GST and other charges.
Maximum surcharge waiver of ₹250 per statement cycle per card account.
Contactless Payments (Visa payWave): Tap-to-pay at any contactless-enabled reader. Transactions up to ₹5,000 can be completed without a PIN. Amounts above ₹5,000 require PIN entry. For internet and ATM transactions, a 3D Secure PIN or OTP is required.
Worldwide Acceptance: Accepted at over 24 million outlets globally, including 3,25,000 outlets in India at any Visa-enabled merchant.
Add-on Cards: Available for family members aged 18 years and above. The add-on card annual fee is Nil.
Flexipay: Convert purchases of ₹2,500 or more into easy monthly instalments. Log into sbicard.com within 30 days of the transaction to avail. Not available for add-on cardholders. Alternatively, call the SBI Card helpline or SMS FP to 56767.
Balance Transfer on EMI: Transfer outstanding balances from other bank credit cards to SPAR SBI Card PRIME at a lower interest rate, repayable in EMIs. Log in to sbicard.com under Benefits > Balance Transfer on EMI, or call the helpline, or SMS BTEMI to 56767.
Easy Bill Pay: Pay electricity, telephone, mobile, and other utility bills via the Easy Bill Pay facility at sbicard.com.
Easy Money: Get a cheque or a demand draft issued against the available cash limit on the card, delivered to the registered communication address.
Cash Withdrawal: Withdraw cash from over 1 million Visa ATMs worldwide. Cash advance fee applies per transaction; interest accrues from the withdrawal date.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹2,999 + Applicable Taxes | One-time charge. 12,000 Reward Points worth ₹3,000 are credited within 30 days of payment, effectively recovering the fee. |
| Annual / Renewal Fee | ₹2,999 + Applicable Taxes per annum | 12,000 Reward Points worth ₹3,000 credited within 30 days of each renewal fee payment. |
| Add-on Card Fee | Nil | No charge for eligible family members aged 18 and above. |
| Criteria | Details |
|---|---|
Age | 21 to 65 years |
Citizenship | Must be a resident of India |
Employment | Salaried or self-employed with a regular source of income |
Credit Score | A good to excellent credit score required; no history of payment defaults |
Income | Income requirements communicated by SBI Card at the time of application screening per internal credit policy |
| Document Type | Details |
|---|---|
| Identity Proof | PAN card, Passport, or other valid government-issued photo identity document |
| Address Proof | Aadhaar card, electricity bill (not more than 3 months old), Income Tax return, or other valid address proof |
| Income Proof | Salary slips (not more than 3 months old), bank passbook records, or Form 16 / Income Tax return (for self-employed) |
| Application Form | Duly signed application form |
| Photographs | Passport-size photographs |
Step 1: Check Eligibility: Review basic requirements such as age, income, and credit score to ensure you qualify.
Step 2: Choose an Aggregator Platform: Select a trusted credit card aggregator that compares cards and supports assisted applications.
Step 3: Fill in Application Details: Enter your personal, contact, and income information accurately on the aggregator platform.
Step 4: Upload Required Documents: Submit digital copies of ID, address proof, and income documents as requested.
Step 5: Complete KYC Verification: Finish the verification process, usually through online or video KYC.
Step 6: Application Review & Approval: Your application is reviewed by the bank, and the decision is shared via the aggregator.
Step 7: Card Issuance & Delivery: Once approved, the SPAR SBI Card PRIME is issued and delivered to your registered address.
| Usage Tips | Details |
|---|---|
Concentrate Landmark Store Spends on This Card | Route all purchases at Lifestyle, Home Centre, Max, and SPAR through this card to earn 15 Reward Points per ₹100 (3.75% value-back) — the highest rate on the card. |
Use for Dining and Movies Too | Pay for restaurant meals and cinema tickets with this card to earn 10 Reward Points per ₹100 (2.5% value-back) on these categories as well. |
Redeem Points Instantly at Stores | When shopping at Lifestyle, Home Centre, SPAR, or Max, ask the cashier to redeem your accumulated Reward Points at checkout for an immediate discount on your bill. |
Convert Points to Landmark Rewards | Convert SBI Reward Points to Landmark Rewards (1 LMR = ₹0.60) to unlock access to the broader Landmark loyalty ecosystem across all partner brands. |
Plan Spends to Hit Landmark Milestones | Track annual Landmark Store spends to target the three milestone tiers: ₹40,000 (6,000 bonus RP), ₹1,00,000 (12,000 bonus RP), and ₹1,80,000 (20,000 bonus RP) for cumulative bonus points worth up to ₹9,500. |
Target the Overall ₹5 Lakh Milestone | Monitor total annual retail spends across all categories to reach ₹5,00,000 and unlock an additional 20,000 bonus Reward Points (₹5,000 value). |
Claim the ATM Welcome Cashback | Make your first ATM cash withdrawal within 30 days of receiving the card to earn ₹100 cashback. |
Use All Domestic Lounge Visits | Present the card at any participating domestic airport lounge for up to 2 complimentary visits per quarter (8 per year). Check the list of participating lounges at sbicard.com before travelling. |
Apply for Priority Pass and Use International Lounges | Apply for the Priority Pass Card via sbicard.com to activate international lounge access. Use up to 2 complimentary international visits per quarter (4 per year). After that, each visit costs US$27 plus taxes. |
Use Flexipay for Large Purchases | For purchases of ₹2,500 or more, log into sbicard.com within 30 days and convert the transaction to Flexipay under Benefits for easy EMI repayment. Primary cardholder only. |
Pay in Full Monthly | Clear the entire outstanding balance by the due date each month to avoid finance charges of 3.75% per month, which would negate all reward value earned on the card. |
Avoid International Use Without a Forex Card | The 3.5% foreign currency transaction fee makes this card expensive for overseas spending. Pair it with a dedicated zero-forex card when travelling internationally. |
The SPAR SBI Card PRIME is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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