Apollo Sbi Card Mastercard Credit Card vs Lifestyle Home Centre Sbi Card Prime Credit Card: Which is Better in 2026?
vs
When comparing the Apollo Sbi Card Mastercard Credit Card and the Lifestyle Home Centre Sbi Card Prime Credit Card, the latter stands out with its structured rewards and benefits. The Lifestyle card offers a clearer value proposition through its rewards program, lounge access, and milestone benefits, making it more appealing for users who prioritize rewards and travel perks.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
Last updated:
| Feature | Apollo Sbi Card Mastercard Credit Card | Lifestyle Home Centre Sbi Card Prime Credit Card |
|---|---|---|
| Bank | SBI Cards | SBI Cards |
| Network | MasterCard | 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 superior for rewards, offering multiple ways to earn points, including 15 reward points on purchases at Landmark Stores and additional points for dining and movies. In contrast, the Apollo Sbi Card Mastercard Credit Card does not provide any rewards or cashback options, making it less attractive for those looking to maximize their spending benefits.
Which is better for travel?
For travel benefits, the Lifestyle Home Centre Sbi Card Prime Credit Card also takes the lead with 8 complimentary domestic lounge accesses and 4 international lounge accesses per year. The Apollo Sbi Card Mastercard Credit Card, however, lacks any lounge access or travel-related benefits, 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, while the Apollo Sbi Card Mastercard Credit Card does not specify any fees. However, the absence of fees does not compensate for the lack of benefits in the Apollo card, as it offers no rewards or perks.
Who should pick Apollo Sbi Card Mastercard Credit Card?
Consider Apollo Sbi Card Mastercard Credit Card if you prefer a no-frills card with no specified fees. This card may appeal to users who do not wish to engage with reward programs or travel benefits and are looking for a straightforward credit option.
Who should pick Lifestyle Home Centre Sbi Card Prime Credit Card?
Consider Lifestyle Home Centre Sbi Card Prime Credit Card if you are a frequent shopper or traveler who can take advantage of the robust rewards program and lounge access. The structured benefits and milestone rewards make it a better choice for those who want to maximize their spending.
Frequently Asked Questions
No, the Apollo Sbi Card Mastercard Credit Card does not provide any rewards or cashback options.
The Lifestyle Home Centre Sbi Card Prime Credit Card offers 8 complimentary domestic lounge accesses and 4 international lounge accesses per year.
Yes, there is an annual fee of Rs.2999 for the Lifestyle Home Centre Sbi Card Prime Credit Card.
You can earn 15 reward points on purchases at Landmark Stores, 10 reward points on dining, and 10 reward points on movies.