IDFC First Select Visa Credit Card vs Lifestyle Home Centre SBI Card Prime Credit Card: Which is Better in 2026?
vs
In short: IDFC First Select has the lower annual fee (none vs ₹2,999); IDFC First Select includes 2 airport lounge visits a quarter, Lifestyle Home Centre SBI Prime 8 airport lounge visits a year; IDFC First Select has the lower forex markup (0% vs 3.5%).
| Key facts | IDFC First Select | Lifestyle Home Centre SBI Prime |
|---|---|---|
| Annual fee | None | ₹2,999 |
| Joining fee | None | Not listed |
| Lounge access | 2 airport lounge visits a quarter | 8 airport lounge visits a year |
| Forex markup | 0% | 3.5% |
From issuer benefit data, checked 22 Oct 2026. Rewards, milestones and welcome benefits are in the full table below.
The Idfc First Select Visa Credit Card and the Lifestyle Home Centre SBI Card Prime Credit Card cater to different user preferences with distinct fee structures, rewards, and lounge access benefits. The Idfc First card offers no joining or renewal fees and zero forex markup, while the SBI card charges an annual fee but provides more extensive lounge access and milestone rewards. Both cards have unique reward earning patterns suited for varied spending habits.
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 | Idfc First Select Visa Credit Card | Lifestyle Home Centre Sbi Card Prime Credit Card |
|---|---|---|
| Bank | IDFC First Bank | SBI Cards |
| Network | Visa | Visa |
| Joining fee | No Joining Fees | — |
| Annual / renewal fee | No Annual Fee | Annual Fee of Rs.2999 |
| Reward rate (headline) | 3X Reward Points Upto Spends Rs.20000 | Earn 2 Reward Points per Rs.100 |
| Lounge — domestic | 2 Complimentary Airport Lounge Access Per Quarter | 8 Complimentary Airport Lounge Access Per Year |
| Lounge — international | — | 4 Complimentary Airport Lounge Access Per Calendar Year |
| Welcome benefit | 5% Cashback on EMI | 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 | 0% - Zero Forex Markup | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
The Idfc First Select Visa Credit Card offers accelerated rewards with 3X points up to Rs. 20,000 spends and 10X points on spending beyond that, including special categories like rentals and birthdays. In contrast, the Lifestyle Home Centre SBI Card Prime Credit Card provides a flat 2 reward points per Rs. 100 spent with additional points on dining, movies, and Landmark stores, plus milestone bonuses. For users focused on maximizing reward points through varied and higher multipliers, the Idfc First card is more rewarding, while the SBI card suits those who prefer steady rewards across lifestyle categories.
Which is better for travel?
Travel benefits favor the Lifestyle Home Centre SBI Card Prime Credit Card, which offers a total of 12 complimentary airport lounge accesses annually, including 8 domestic and 4 international visits. The Idfc First Select Visa Credit Card provides 2 complimentary domestic lounge accesses per quarter, totaling 8 per year, but lacks international lounge benefits. Additionally, the Idfc First card has zero forex markup, which is advantageous for international travelers, whereas the SBI card charges 3.5% on foreign currency transactions. Thus, SBI card is better for lounge access, while Idfc First is preferable for forex cost savings.
Which has lower effective cost?
The Idfc First Select Visa Credit Card stands out for its no joining or renewal fees, making it a cost-effective option for users wary of annual charges. Conversely, the Lifestyle Home Centre SBI Card Prime Credit Card has a significant annual fee of Rs. 2999, which is offset partially by welcome and renewal reward points. Both cards offer a 1% fuel surcharge waiver. Overall, the Idfc First card is more suitable for cost-conscious users or beginners, while the SBI card may appeal to those who can leverage its rewards and lounge benefits to justify the fee.
Reward Structure Focus
Idfc First Select Visa Credit Card emphasizes tiered reward multipliers with special categories such as rentals and birthdays, ideal for diverse spending patterns. The SBI Lifestyle Home Centre card focuses on consistent rewards on retail, dining, and entertainment, with additional milestone bonuses tied to Landmark store spends.
Forex Charges
Idfc First Select Visa Credit Card offers zero forex markup, making it cost-effective for international transactions. In contrast, the SBI Lifestyle Home Centre card charges 3.5% forex markup, which could add to costs for overseas usage.
Lounge Access Comparison
The SBI Lifestyle Home Centre card provides a total of 12 complimentary airport lounge visits annually, including 4 international accesses, whereas the Idfc First Select card offers 8 domestic lounge visits per year and no international lounge access.
Who should pick Idfc First Select Visa Credit Card?
Consider Idfc First Select Visa Credit Card if you prefer a no-fee credit card with strong reward point multipliers on varied spends, zero forex markup for international transactions, and moderate lounge access. It is well suited for users who want to maximize rewards on rentals, utilities, and birthday spends without worrying about annual fees.
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, enjoy dining and entertainment rewards, and value extensive airport lounge access including international lounges. Despite the annual fee, this card suits users who can benefit from milestone bonuses and are comfortable paying for premium lifestyle privileges.
Frequently Asked Questions
No, the Idfc First Select Visa Credit Card has no joining or annual renewal fees.
The Lifestyle Home Centre SBI Card Prime Credit Card charges an annual fee of Rs. 2999.
The Lifestyle Home Centre SBI Card Prime Credit Card offers more lounge access with 8 domestic and 4 international complimentary visits annually, compared to 2 domestic lounge visits per quarter on the Idfc First Select Visa Credit Card.
The Idfc First Select Visa Credit Card has zero forex markup, while the Lifestyle Home Centre SBI Card Prime Credit Card charges a 3.5% fee on foreign currency transactions.
You can earn 3X reward points up to Rs. 20,000 spends, 10X points on spends beyond Rs. 20,000, 3X points on rentals, and 10X points on birthdays.
Yes, it offers multiple milestone rewards including bonus points on Landmark store spends and a renewal benefit of 12,000 reward points.