Lifestyle HC SBI Card PRIME vs IDFC FIRST Select Credit Card
Joining Fees
₹2,999
₹0
Editor's Rating
3.5
2.75
Key Features
- Earn 15 Reward Points on every 100 Rs. spent at Online & Retail Landmark Stores (Lifestyle, Home Centre, Max and Spar).
- Earn 10 Reward Points on every 100 Rs. spent at Dining & Movies.
- Get 2 Reward point per 100 Rs. spent on other retail purchases (Non-fuel).
- Cumulative milestone benefits up to 58,000 RP worth Rs 14,500.
- On overall annual retail spends of Rs 500,000, avail 20,000 bonus Reward Points
- Welcome Benefits include getting vouchers worth Rs. 500 on spending Rs. 15,000 within 90 days
- 5% cashback on making the first EMI transaction made within 90 days of card set-up
- 10X Reward Points on purchases greater than Rs.20,000
- 6X Reward Points on all online purchases and 3X Reward Points on all offline purchases
- 4 complimentary domestic lounge access per quarter
- 4 complimentary Railway lounge access every quarter
- Low foreign exchange mark-up fee of 1.99%
- 20% discount on 1500+ Restaurants
- 15% discount on 3000+ Health & Wellness Outlets
- Free Road Side Assistance(RSA) worth Rs. 1,399
Editor's Review
Pros
- On annual spends of Rs 40,000 across all Landmark Stores, earn 6000 bonus Reward Points.
- 8 complimentary Domestic Airport lounge visits per year (subject to a max of 2 per quarter)
- Complimentary priority pass membership worth USD 99 & 4 complimentary visits per year
Cons
- No golf/coaching sessions
Pros
- 10X Rewards on all spends done on your Birthday
- Reward points will never expire
- Comprehensive Travel Insurance Cover of Rs. 22,500
Cons
- Welcome gift voucher is only provided on spending Rs.15,000 within 90 days of card set-up
- Interest-free cash withdrawal available for 48 days only
- The dining benefits provided by the card are satisfactory but not that great
