Lifestyle Home Centre SBI Card Prime Credit Card vs RBL Platinum Choice Mastercard Credit Card: Which is Better in 2026?
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In short: RBL Platinum Choice has the lower annual fee (₹499 vs ₹2,999); both charge a 3.5% forex markup.
| Key facts | Lifestyle Home Centre SBI Prime | RBL Platinum Choice |
|---|---|---|
| Annual fee | ₹2,999 | ₹499 |
| Annual fee waived | Not listed | On ₹50,000 annual spend |
| Lounge access | 8 airport lounge visits a year | Not listed |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 23 Oct 2026. Rewards, milestones and welcome benefits are in the full table below.
The Lifestyle Home Centre SBI Card Prime Credit Card and the RBL Platinum Choice Mastercard Credit Card cater to different spending habits and preferences. The SBI card focuses on rewarding shopping and lifestyle spends with higher reward points and lounge access, while the RBL card offers simpler rewards with a lower annual fee and fuel surcharge waiver. Both cards charge a 3.5% forex markup and provide welcome rewards on payment of the annual fee.
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 | Lifestyle Home Centre Sbi Card Prime Credit Card | Rbl Platinum Choice Mastercard Credit Card |
|---|---|---|
| Bank | SBI Cards | RBL Bank |
| Network | Visa | MasterCard |
| Annual / renewal fee | Annual Fee of Rs.2999 | Annual Fee of Rs.499 |
| Annual fee waiver | — | Spend Rs.50000 For Waiver of Annual Membership Fee |
| Reward rate (headline) | Earn 2 Reward Points per Rs.100 | Earn 1 Reward Points per Rs.100 |
| Lounge — domestic | 8 Complimentary Airport Lounge Access Per Year | — |
| Lounge — international | 4 Complimentary Airport Lounge Access Per Calendar Year | — |
| Welcome benefit | Welcome Benefit - 12000 Bonus Reward Points | 2000 Reward Points on Payment of Annual Fee |
| 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?
The Lifestyle Home Centre SBI Card Prime Credit Card offers more lucrative rewards, especially for shopping at Landmark stores, dining, and movies, with up to 15 reward points per Rs.100 spent in select categories. It also provides milestone bonus points and a higher welcome benefit. In contrast, the RBL Platinum Choice Mastercard Credit Card provides a straightforward 1 reward point per Rs.100 spent, with a 2X multiplier on online spends capped at 1000 points. For users focused on maximizing reward points, especially in lifestyle categories, the SBI card is more rewarding.
Which is better for travel?
Regarding travel benefits, the SBI card provides 8 complimentary domestic airport lounge visits and 4 international lounge visits annually, adding value for frequent travelers. The RBL card does not offer any lounge access or specific travel perks. Both cards have the same 3.5% forex markup, which is relatively high. Therefore, for users seeking travel-related privileges, the SBI card is the better choice.
Which has lower effective cost?
The RBL Platinum Choice Mastercard Credit Card has a significantly lower annual fee of Rs.499 compared to Rs.2999 for the SBI card. Additionally, the RBL card offers a fee waiver if you spend Rs.50,000 annually, which can reduce the effective cost. The SBI card does not specify any fee waiver conditions. For users prioritizing lower fees and easier fee waivers, the RBL card is more cost-effective.
Reward Program Focus
The SBI card emphasizes lifestyle and shopping rewards with bonus points on Landmark stores and dining, making it ideal for shoppers. The RBL card focuses on straightforward cashback via reward points, especially doubling points on online spends, appealing to digital shoppers.
Fee Waiver Conditions
The RBL card explicitly offers an annual fee waiver on spending Rs.50,000, which can lower the effective cost for moderate spenders. The SBI card does not mention any fee waiver, so the annual fee is fixed.
Fuel Surcharge Benefits
While the SBI card offers a 1% fuel surcharge waiver, the RBL card provides a fuel surcharge waiver up to Rs.100, which might be more beneficial for frequent fuel purchases.
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, dine out, or watch movies and want to earn higher reward points. It is also suitable if you value airport lounge access for domestic and international travel and are comfortable with a higher annual fee for richer benefits.
Who should pick Rbl Platinum Choice Mastercard Credit Card?
Consider RBL Platinum Choice Mastercard Credit Card if you prefer a credit card with a low annual fee and the possibility of fee waiver on moderate spending. It is suitable for users who want simple reward points on all spends, especially online purchases, and a small fuel surcharge waiver, without needing travel lounges or extensive milestone benefits.
Frequently Asked Questions
The Lifestyle Home Centre SBI Card Prime Credit Card charges Rs.2999 annually, while the RBL Platinum Choice Mastercard Credit Card charges Rs.499 annually.
Only the SBI card offers lounge access with 8 domestic and 4 international complimentary airport lounge visits per year. The RBL card does not provide lounge access.
The RBL card offers an annual fee waiver if you spend Rs.50,000 in a year. The SBI card does not specify any fee waiver conditions.
Both cards charge a forex markup fee of 3.5% on foreign currency transactions.
The SBI card offers higher reward points on shopping, especially at Landmark stores, with up to 15 reward points per Rs.100 spent, compared to 1 reward point per Rs.100 on the RBL card.
The SBI card provides multiple milestone rewards based on spending and renewals, while the RBL card does not offer milestone benefits.