Max SBI Credit Card Review

Max SBI Credit Card Review

Table of Contents

SBI Card has partnered with Landmark Group to launch retail co-branded credit cards. There are three cards – Lifestyle Home Centre SBI Card, Max SBI Card and Spar SBI Card. The partners for these cards are the Landmark Group brands – Lifestyle, Home Centre, Max and Spar. Each of these cards are available in three variants – base, SELECT and PRIME. In this post, we review the base Max SBI credit card and its features.

Fees and Charges

The Max SBI credit card gets a renewal benefit equal to the renewal fee. So there is no mandatory spend required on this card. In this case, there is no harm in holding this card. The only effective fee we end up paying every year is Rs 90 for the taxes component.

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Joining/Renewal FeeRs 499 plus taxes
Welcome Benefit2000 reward points ~ Rs 500
Renewal Benefit2000 reward points ~ Rs 500
Max SBI Credit Card Review – Fees and Charges


Type of SpendReward PointsReturn Rate @25 per RP
Online & Retail Landmark Stores (Lifestyle, Home Centre, Max and Spar), Dining & Movies5 RP/Rs 1001.25%
Other Spends1 RP/Rs 1000.25%
Max SBI Credit Card Review – Rewards

Milestone Rewards

The benefits of this card are more in the milestone rewards. On cumulative spends of Rs 2 Lakhs at Landmark Stores, we get a total return of Rs 3.25% which is good!

Annual Spends at Landmark StoresBonus RPAdditional Return
Rs 2000010001.25%
Rs 4500020001.66%
Rs 9500050002.10%
Rs 2 Lakhs80002%
Max SBI Credit Card Review – Milestone Rewards

Rewards Redemption

Accumulated reward points can be redeemed across Lifestyle, Home Centre and Max stores.

My View

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The Max SBI credit can be useful for those festive spends like a wedding or home renovation. If one does not have access to a super premium card like Infinia and Ultimate, this card gives a benefit of 3.25%. The other point in favour of this card is the renewal benefit that makes up for the renewal fee.

In summary, a decent entry-level card that you can get if you have bulk spends at Landmark stores!

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