SBI Card
Gold · Landmark Rewards
Landmark Rewards SBI Credit Card
SBI Card
10 RP per ₹100 at Landmark stores — entry-level shopping card
Annual Fee
₹499
Joining Fee
₹499
Reward Rate
0.3%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹1,911
Total Annual Benefits
₹2,500
Total Annual Charges
₹589
ROI
324%
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Shopping Benefits (1)
10 RP per ₹100 at Landmark
Earn 10 reward points per ₹100 spent at HomeCentre, Max, and Lifestyle stores
- • Valid at HomeCentre, Max, Lifestyle stores
10 RP per ₹100
Reward Points (1)
1 RP per ₹100 Other Spends
Earn 1 reward point per ₹100 on all other retail transactions
1 RP per ₹100
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹500–₹4,000
- • Max ₹150 per statement cycle
1% waiver
₹1,800/yr
Reward Program
Program
SBI Landmark Reward Points
10 RP per ₹100 Landmark, 1 RP per ₹100 other
Effective cashback: 0.25%
Points expire: 2 years from date of accrual
Redemption Options
- → Landmark store vouchers
- → Products & Vouchers
Bonus Categories
Landmark Stores
10x multiplier
10 RP per ₹100 at HomeCentre, Max, Lifestyle
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹499 Excluding GST |
| Annual Fee | ₹499 Excluding GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.5%
- Late Payment Fee
- ₹1,300
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹500 – ₹4,000. Max waiver: ₹150/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹20,000
- Min. Annual Income
- ₹2,40,000
- Min. Credit Score
- 650
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Gross Monthly Income > ₹20,000
- • Self-Employed: ITR > ₹2.4 Lakh p.a.
Transaction Limits
ATM Withdrawal / Day
₹20,000
POS & E-Commerce / Day
₹1,50,000
Contactless / Txn
₹2,000
Features
Contactless payments EMV chip security Domestic acceptance Add-on cards available EMI conversion facility Landmark store rewards Low annual fee
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The Landmark Rewards SBI Credit Card is an entry-level co-branded card on the Visa Gold network, offering 10 reward points per ₹100 at Landmark stores...
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