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
State Bank of India has been extremely active this year in launching co-branded credit cards across multiple segments. After new cards with Indigo, Tata Neu, and Flipkart, SBI has now relaunched three Landmark SBI Credit Cards in partnership with the Landmark Group. These cards come in three variants:
- SBI Landmark Base Credit Card
- SBI Landmark Select Credit Card
- SBI Landmark Prime Credit Card
Although these cards already existed in the market, SBI has refreshed them with revised benefits, features, and reward structures. But should you actually apply for them? Are the rewards really valuable? And can you achieve better returns using alternative methods or existing SBI cards?
This in-depth review answers all these questions and helps you make the best decision.
Joining Fees & Welcome Benefits
The three variants come with different fees and corresponding welcome rewards:
| Card Variant | Joining Fee | Welcome Benefit | Reward Points Value |
|---|---|---|---|
| Base | ₹499 + GST | 2,000 Reward Points | ₹500 |
| Select | ₹1,499 + GST | 6,000 Reward Points | ₹1,500 |
| Prime | ₹2,999 + GST | 12,000 Reward Points | ₹3,000 |
Each reward point is valued at ₹0.25.
This means the joining benefits nearly equal the card fees—making the first year almost free across all variants.
Renewal Fees
Renewal fees remain the same as joining fees. You again receive the same reward bonus every renewal year. However:
There is NO spend-based fee waiver.
You cannot waive the annual fee even if you spend a high amount.
Rewards on Landmark Brands
The Landmark Group operates six major retail brands in India:
- Lifestyle
- Home Centre
- Max Fashion
- Spar
- Easy Buy
- Centrepoint
These cards are designed to offer accelerated rewards on these stores—both online and offline.
Reward Structure
| Card Variant | Rewards on Landmark Stores | Value (₹) | Reward Rate |
|---|---|---|---|
| Base | 10 RP / ₹100 | ₹2.50 | 2.5% |
| Select | 15 RP / ₹100 | ₹3.75 | 3.75% |
| Prime | 25 RP / ₹100 | ₹6.25 | 6.25% |
The Prime variant offers the highest return at 6.25% on Landmark stores.
However, this return can be increased further using a smart workaround discussed later.
Rewards on Dining, Movies & Interest Spends
| Category | Base Variant | Select & Prime |
|---|---|---|
| Dining, Movies, Select Categories | 5 RP/₹100 | 10 RP/₹100 |
| Effective Reward Rate | 1.25% | 2.5% |
This makes the Select and Prime versions more appealing for lifestyle spenders.
Rewards on All Other Spends
- Base Variant: 1 RP / ₹100 ⇒ 0.25% return
- Select & Prime Variants: 2 RP / ₹100 ⇒ 0.5% return
These are very weak for non-category purchases.
Also, SBI has not clearly mentioned exclusions for spends like:
- Wallet loads
- Rental payments
- Education payments
These may or may not earn rewards. User experience will clarify this over time.
Milestone Benefits
Milestone rewards add an additional 1% return when target spends are achieved:
| Card Variant | Annual Spend Target | Bonus Reward Points | Value |
|---|---|---|---|
| Base | ₹2,00,000 | 8,000 RP | ₹2,000 |
| Select | ₹3,00,000 | 12,000 RP | ₹3,000 |
| Prime | ₹5,00,000 | 20,000 RP | ₹5,000 |
If you cross the milestone, your overall return increases by another 1%.
Fuel Surcharge Waiver
- Base Variant: No fuel benefits
- Select & Prime:
- 1% fuel surcharge waiver
- Valid for ₹500 – ₹3,000 transactions
- Max waiver: ₹100/month
Airport Lounge Access
Base & Select:
No lounge access
Prime Variant:
8 domestic lounge visits per year (2 per quarter)
✔4 international lounge visits per year (2 per quarter)
Complimentary Priority Pass membership worth $99
This is the only variant that offers premium travel benefits.
Reward Redemption
Since these are co-branded cards, earned reward points can only be redeemed:
✔ At Landmark stores
✔ For Lifestyle / Max / Home Centre online vouchers
✔ For in-store purchases
This is useful only if you frequently shop at these brands.
Are the SBI Landmark Credit Cards Worth It?
To understand whether these cards offer good value, we compare them with a much cheaper SBI card that often delivers significantly higher returns.
The Powerful Trick: Using the SBI Cashback Credit Card
The SBI Cashback Credit Card costs only ₹999/year but offers:
✔ 5% cashback on online spends
✔ Monthly redemption
✔ Easy approvals
✔ Flat rewards without complex categories
How This Card Beats SBI Landmark Cards
Through the Cred App, multiple Landmark brand gift vouchers are available at discounted prices. When paying with SBI Cashback Card, you get:
Lifestyle (Offline)
- 4.5% voucher discount
- 5% SBI cashback
➡ Total: 9.5% return
Lifestyle (Online)
- 8.5% voucher discount
- 5% SBI cashback
➡ Total: 13.5% return
Home Centre
- Offline: 9.5% total return
- Online: 13.5% total return
Max Fashion
- Offline: 12.5% total return
- Online: 14.5% total return
These returns are much higher than the maximum 6.25% offered by the SBI Landmark Prime Card.
Conclusion:
If your primary goal is high shopping rewards at Landmark stores, the SBI Cashback Credit Card is far superior.
Best Alternatives for Lounge Access
If you only want airport lounge access, there are better lifetime free options:
1. Tata Neu HDFC Credit Card
- Free domestic & international lounge access
- Useful for everyday spending
- Lifetime free option available for many users
2. Scapia Credit Card
- Unlimited domestic lounge access (with ₹10,000 monthly spend)
- Lifetime free
These two cards outperform the SBI Landmark Prime in lounge benefits—without yearly fees.
Final Verdict: Should You Apply for SBI Landmark Credit Cards?
Based on the analysis:
Do not apply if your goal is to save more at Landmark stores.
The SBI Cashback Card + Cred Voucher trick gives up to 14.5% returns—far better than all three Landmark cards.
Do not apply if you want lounge access.
Scapia and Tata Neu cards offer superior lounge benefits.
✔ Apply only if:
- You frequently shop exclusively at Lifestyle, Max, Home Centre, etc.
- You prefer reward points instead of vouchers
- You want a card dedicated to Landmark Group purchases