SBI has relaunched three Landmark co-branded credit cards with upgraded rewards. Read the full 2025 review of SBI Landmark Base, Select & Prime cards—fees, rewards, milestone benefits, lounge access, drawbacks, and smarter alternatives like SBI Cashback Card.
SBI Landmark Credit Cards Review (2025): Complete Analysis, Features, Rewards & Best Alternatives
1. SBI’s Rapid Expansion of Co-Branded Credit Cards in 2025
In 2025, SBI has aggressively expanded its co-branded credit card lineup by partnering with multiple major brands across the Indian retail and travel ecosystem.
The year started with a collaboration with IndiGo Airlines, resulting in two newly launched travel credit cards. Soon after, SBI partnered with Tata Neu to introduce two more co-branded cards, followed by a cashback-oriented credit card launched in association with Flipkart. The latest addition to this expanding portfolio is SBI’s partnership with the Landmark Group, through which the bank has introduced three refreshed Landmark SBI Credit Cards—Base, Select, and Prime variants. These cards have been relaunched with revised features, targeting customers who frequently shop across Landmark brands such as Lifestyle, Max, Home Centre, and more.
The key question, however, remains: are these cards worth applying for, and do their reward structures justify their annual fees?
2. Complete Breakdown of Joining Fees, Renewal Charges and Welcome Benefits
The joining fees for the three cards differ based on the variant. The Base variant is priced at ₹499 plus GST and offers 2,000 reward points as a welcome benefit. The Select variant requires a joining fee of ₹1,499 plus GST and comes with 6,000 welcome reward points.
The top-end Prime variant is priced at ₹2,999 plus GST, offering 12,000 reward points as a welcome benefit. Since each reward point on these cards carries a monetary value of ₹0.25, customers effectively get ₹500 worth of rewards on the Base card, ₹1,500 worth on the Select card, and ₹3,000 worth on the Prime card—making the first-year value nearly equivalent to the joining fee.
The renewal fee structure also mirrors the joining fee for all three variants, accompanied by equivalent renewal benefits in the form of reward points. Notably, none of these cards provide a spend-based waiver for the annual fee, which means customers must pay renewal charges every year regardless of their spending patterns.
3. Reward Structure: How Much Value Do You Get at Landmark Stores?
When it comes to rewards, the Landmark SBI Credit Cards are most beneficial for shoppers who frequently shop at Landmark Group stores—both online and offline. India hosts six major Landmark brands, and these cards are specifically optimized for transactions with these outlets. The Base variant earns 10 reward points per ₹100 spent at Landmark stores, translating to 2.5% reward rate.
The Select variant offers 15 points per ₹100 (3.75%), whereas the Prime variant offers 25 points per ₹100 (6.25%). Apart from Landmark shopping, these cards offer reward points on dining, movies, and select interest categories; the Base variant provides 5 points per ₹100 on such spends, while the Select and Prime variants offer 10 points per ₹100.
For all other spends, excluding fuel, the Base card earns only one point per ₹100 (0.25%), whereas Select and Prime earn two points per ₹100 (0.5%). The fuel surcharge waiver is limited only to the Select and Prime variants, applicable for fuel spends between ₹500 and ₹3,000, capped at ₹100 per month.
4. Travel Benefits and Lounge Access on the Prime Variant
The Prime variant stands out for its additional travel benefits, offering complimentary airport lounge access—up to two domestic visits per quarter and two international lounge visits per quarter through Priority Pass membership worth $99. Meanwhile, the Base and Select variants do not provide any domestic or international lounge access.
Additionally, all three cards come with milestone benefits; if cardholders spend ₹2 lakh, ₹3 lakh, or ₹5 lakh annually on the Base, Select, and Prime cards respectively, they receive additional reward points equivalent to a 1% reward rate boost.
5. Reward Redemption Limitations and Landmark Ecosystem Dependency
Reward redemption for these cards is limited to the Landmark ecosystem, which may be restrictive for users who prefer flexible redemption categories.
Although the Prime variant seems attractive with potential earnings up to 7.25%, there is a smarter workaround that allows users to earn significantly higher returns—without paying the high fees associated with the Prime credit card. This involves using the SBI Cashback Credit Card, which costs only ₹999 plus GST annually but frequently gets approved for applicants.
By purchasing Lifestyle, Max, or Home Centre vouchers through the CRED app, users can secure default discounts of 4.5% on offline vouchers and 8.5% on online vouchers, which becomes even more lucrative when combined with the 5% cashback on the SBI Cashback Credit Card. This combination results in an effective reward rate of 9.5% for offline shopping and up to 13.5% for online Lifestyle shopping—a far better value than what the Landmark SBI cards offer.
6. Maximum Savings on Max Store Shopping with SBI Cashback + CRED
For Max Store shopping, voucher discounts currently stand at 7.5% for offline and 9.5% for online purchases on CRED. Adding the 5% cashback from the SBI Cashback Card pushes your total reward value to 12.5% offline and 14.5% online, again outperforming any Landmark co-branded SBI credit card. This clearly indicates that the SBI Cashback Credit Card offers far superior earning potential at a much lower annual cost, while also providing broader usability and flexibility.
7. Better Alternatives for Users Seeking Airport Lounge Access
For users specifically seeking airport lounge access instead of retail rewards, cards like the Tiger Credit Card and Scapia Credit Card are more compelling options. Both are lifetime-free and provide generous domestic and international lounge access benefits.
The Tiger Credit Card offers eight domestic and two international lounge visits annually, along with ₹1,000 worth of free movie vouchers every year. Scapia provides unlimited domestic lounge access with nominal monthly spend criteria and additional travel-related benefits.