Aditya Birla Sbi Card Select Credit Card vs Lifestyle Home Centre Sbi Card Prime Credit Card: Which is Better in 2026?
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The Aditya Birla SBI Card Select Credit Card offers minimal benefits compared to the Lifestyle Home Centre SBI Card Prime Credit Card, which provides a range of rewards and lounge access. While the former lacks any significant features, the latter includes welcome bonuses, milestone rewards, and lounge access for both domestic and international travel.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | Aditya Birla Sbi Card Select Credit Card | Lifestyle Home Centre Sbi Card Prime Credit Card |
|---|---|---|
| Bank | SBI Cards | SBI Cards |
| Network | Visa | Visa |
| Joining fee | — | — |
| Annual / renewal fee | — | Annual Fee of Rs.2999 |
| Annual fee waiver | — | — |
| Reward rate (headline) | — | Earn 2 Reward Points per Rs.100 |
| Lounge — domestic | — | 8 Complimentary Airport Lounge Access Per Year |
| Lounge — international | — | 4 Complimentary Airport Lounge Access Per Calendar Year |
| Fuel surcharge waiver | — | — |
| Welcome benefit | — | Welcome Benefit - 12000 Bonus Reward Points |
| Milestone benefit | — | Earn 20000 Bonus Reward Points Across all Landmark Stores; Earn 20000 Bonus Reward Points on Spend of Rs.5 Lakhs |
| Foreign currency markup | — | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
The Lifestyle Home Centre SBI Card Prime Credit Card is clearly superior for rewards, offering multiple ways to earn points, including 15 Reward Points on purchases at Landmark Stores and 10 Reward Points on dining and movies. In contrast, the Aditya Birla SBI Card Select Credit Card does not provide any rewards or points accumulation, making it less appealing for those looking to maximize their spending.
Which is better for travel?
For travel benefits, the Lifestyle Home Centre SBI Card Prime Credit Card also stands out with its complimentary lounge access—8 domestic and 4 international visits per year. The Aditya Birla SBI Card Select Credit Card, however, does not offer any lounge access, which may be a significant drawback for frequent travelers.
Which has lower effective cost?
In terms of fees, the Lifestyle Home Centre SBI Card Prime Credit Card has an annual fee of Rs.2999, which may be offset by the rewards and benefits it offers. The Aditya Birla SBI Card Select Credit Card does not specify any fees, but without any benefits, it may not provide good value for users. Therefore, while the fees are similar, the effective cost of the Lifestyle Home Centre card may be justified through its rewards.
Who should pick Aditya Birla Sbi Card Select Credit Card?
Consider Aditya Birla SBI Card Select Credit Card if you prefer a straightforward card with no annual fees or if you do not require rewards or travel benefits. It may suit those who want a basic card without the complexities of reward programs.
Who should pick Lifestyle Home Centre Sbi Card Prime Credit Card?
Consider Lifestyle Home Centre SBI Card Prime Credit Card if you frequently shop at Landmark Stores or dine out, as it offers substantial rewards and benefits. Additionally, if you travel often and value lounge access, this card provides significant advantages.
Frequently Asked Questions
No, it does not offer any rewards or points accumulation.
The annual fee is Rs.2999.
It provides 8 complimentary domestic lounge accesses and 4 international lounge accesses per year.
Yes, it offers various milestone benefits, including bonus reward points for spending at specific thresholds.