Bank Of Baroda Easy Visa Credit Card vs Lifestyle Home Centre SBI Card Prime Credit Card: Which is Better in 2026?
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In short: BOB Easy has the lower annual fee (₹500 vs ₹2,999); both charge a 3.5% forex markup.
| Key facts | BOB Easy | Lifestyle Home Centre SBI Prime |
|---|---|---|
| Annual fee | ₹500 | ₹2,999 |
| Joining fee | ₹500 | Not listed |
| Annual fee waived | On ₹35,000 annual spend | Not listed |
| Top reward rate | 5X Reward Points on Movies | 10 Reward Points on Dining |
| Base rewards | 1 Reward Point per ₹100 | 2 Reward Points per ₹100 |
| Lounge access | Not listed | 8 airport lounge visits a year |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 25 Oct 2026. Milestones, welcome benefits and caps are in the full table below.
What you'd earn in a year
On ₹20,000 a month with ₹5,000 at each card's top rate, BOB Easy returns about ₹1,059 more a year after annual fees (₹960 vs ₹2,400 in rewards).
| Spend profile | BOB Easy | Lifestyle Home Centre SBI Prime |
|---|---|---|
| Reward value: top rate / base rate | 1% / 0.2% | 2.5% / 0.5% |
| ₹20,000 a month, all general spends | ₹480 | ₹1,200 |
| ₹20,000 a month, ₹5,000 of it at each card's top rate | ₹960 | ₹2,400 |
| Annual fee | ₹500 | ₹2,999 |
Estimates from the earn rates above, with stated cashback caps applied, before exclusions. Reward points are valued at the card's best listed redemption (often travel or vouchers via the bank's portal); cash-back on the statement is usually worth less. Annual fees may be waived on spend (see the table below).
Bank Of Baroda Easy Visa Credit Card lists a lower headline annual fee in our data (around ₹2,499 apart), before waivers. Bank Of Baroda Easy Visa Credit Card shows a stronger headline earn rate in the first reward band we surface. Lifestyle Home Centre Sbi Card Prime Credit Card currently has more lounge detail available from the issuer data we index. Always confirm current fees and offers on the issuer’s site before you apply.
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| Feature | Bank Of Baroda Easy Visa Credit Card | Lifestyle Home Centre Sbi Card Prime Credit Card |
|---|---|---|
| Bank | Bank Of Baroda | SBI Cards |
| Network | Visa | Visa |
| Joining fee | Joining Fee of Rs.500 | — |
| Annual / renewal fee | Annual Fee of Rs.500 | Annual Fee of Rs.2999 |
| Annual fee waiver | Spend Rs.35000 For Annual Fee Waiver | — |
| Top reward rate | 5X Reward Points on Movies | Earn 10 Reward Points on Dining |
| Base rate (other spends) | Earn 1 Reward Point per Rs.100 | 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 | 1% Fuel Surcharge Waiver | 1% Fuel Surcharge Waiver |
| Welcome benefit | Earn 500 Reward points As Welcome Benefit on the Spends of Rs.5000 | Welcome Benefit - 12000 Bonus Reward Points |
| Milestone benefit | — | Earn 6000 Bonus Reward Points Across all Landmark Stores; Earn 12000 Bonus Reward Points Across all Landmark Stores |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
Lifestyle Home Centre Sbi Card Prime Credit Card shows a higher headline earn signal in the reward summaries we index (Earn 10 Reward Points on Dining vs 5X Reward Points on Movies). If you optimise for points or cashback on daily spend, start with that card’s reward bands — then model redemptions you actually use.
Which is better for travel?
Lifestyle Home Centre Sbi Card Prime Credit Card has richer lounge-related fields in our current benefits extract (domestic: 8 Complimentary Airport Lounge Access Per Year; international: 4 Complimentary Airport Lounge Access Per Calendar Year). Frequent flyers should still confirm guest access, visit limits and participating airports with the issuer.
Which has lower effective cost?
Bank Of Baroda Easy Visa Credit Card appears cheaper on headline renewal fee in our data before waivers. If you are fee-sensitive, also read the waiver rules in the table — a higher sticker fee can still be net-negative cost if you naturally clear spend thresholds.
Who should pick Bank Of Baroda Easy Visa Credit Card?
Consider Bank Of Baroda Easy Visa Credit Card if you already bank with Bank Of Baroda, and the fee, waiver and earn rows above line up with how you spend each month. Use CardChat on that card for deeper, personalised follow-ups.
Who should pick Lifestyle Home Centre Sbi Card Prime Credit Card?
Consider Lifestyle Home Centre Sbi Card Prime Credit Card if you already bank with SBI Cards, and the fee, waiver and earn rows above line up with how you spend each month. Use CardChat on that card for deeper, personalised follow-ups.
Frequently Asked Questions
From the lounge fields in our benefit data: Lifestyle Home Centre Sbi Card Prime Credit Card — domestic: 8 Complimentary Airport Lounge Access Per Year; international: 4 Complimentary Airport Lounge Access Per Calendar Year. Bank Of Baroda Easy Visa Credit Card — domestic: —; international: —. Guest rules, networks and visit caps change — confirm on the Bank Of Baroda and SBI Cards websites before you travel.
From the renewal-fee lines we index, the headline amounts are about ₹500 vs ₹2,999 per year before taxes and waivers. Campaigns and customer-specific pricing differ — use the comparison table and the Bank Of Baroda and SBI Cards websites for the final number.
On the first reward band we surface, Bank Of Baroda Easy Visa Credit Card shows a stronger headline earn (5X Reward Points on Movies vs Earn 10 Reward Points on Dining). Category bonuses, caps and redemption value decide real-world returns — map this to where you actually spend.
Bank Of Baroda Easy Visa Credit Card: Spend Rs.35000 For Annual Fee Waiver Lifestyle Home Centre Sbi Card Prime Credit Card: Waiver wording not in our benefit extract — check SBI Cards. Spend thresholds and anniversary rules change; confirm the latest T&Cs.
Bank Of Baroda Easy Visa Credit Card: 3.5% - Foreign Currency Transactions Lifestyle Home Centre Sbi Card Prime Credit Card: 3.5% - Foreign Currency Transactions Lower published foreign-currency markup is usually better for overseas and foreign-currency online spend; confirm the live rate and exclusions on the Bank Of Baroda and SBI Cards websites.
Bank Of Baroda Easy Visa Credit Card: Earn 500 Reward points As Welcome Benefit on the Spends of Rs.5000 Lifestyle Home Centre Sbi Card Prime Credit Card: Welcome Benefit - 12000 Bonus Reward Points Welcome campaigns are time-bound — verify eligibility and fulfilment on the Bank Of Baroda and SBI Cards websites.