What is Annual Fee and Renewal Fee of the card?

The Annual Fee of the card is Rs. 499 + taxes. The Renewal Fee is Rs. 499 + taxes from second year onwards.

Can I use my card internationally?

Yes, you can use your Landmark Rewards SBI Card at over 24 million outlets across the globe, including 3,25,000 outlets in India. You can make payments at any outlet that accepts Visa. You can withdraw cash from over 1 million Visa ATMs across the globe.

How can I apply for the card?

You can apply for an SBI Credit Card through our Website sbicard.com or via our Chatbot ILA. Alternatively, you can call SBI Card Helpline 39 02 02 02 (prefix your city STD code) or visit the nearest SBI branch.

Credit Cards

State Bank of IndiaVISA

Landmark Rewards SBI Card

ShoppingEntryVisa✦ Landmark Group

Landmark Rewards SBI Card

Rewards on everyday shopping, zero annual cost

Annual fee₹0

Rewards1.00%1 Reward Point per ₹100

Forex markup3.5%3.5% on all foreign currency transactions

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Independent comparison platform. Not affiliated with State Bank of India. Full disclaimer

Welcome benefits

worth ₹500

2,000 bonus reward points worth ₹500 on payment of annual fees

Type: Reward Points
Trigger: On Annual Fee Payment

Rewards

Base earn rate

1 Reward Point per ₹100 spent on other retail purchases

Excludes: Fuel, Rental, Government, Gaming, Wallet, Emi

Category	Rate	Cap
Landmark Stores	10 Reward Points on every Rs. 100 spent at Online & Retail Landmark Stores (Lifestyle, Home Centre, Max, Spar, Baby Shop and EasyBuy	—
Dining, Movies & International	5 Reward points per Rs. 100 spent on Dining, Movies & International spends	—

• Reward Points are valid for a period of 24 months (for all cards except AURUM). For AURUM, Reward Points never expire.
• Redemption fee: ₹99

Milestone benefits

8,000 Reward Points on annual retail spends of Rs. 200,000.

Fees & charges

Joining fee: ₹499 + taxes
Annual / renewal fee: ₹0
Add-on card fee: Nil
Interest rate: Finance Charges: 3.75% p.m. (45% p.a.) for unsecured cards; 2.75% p.m. (33% p.a.) for Shaurya, Defence Cards and Secured cards. Minimum Finance Charges ₹25
Interest-free period: 50 days
Cash advance fee: 2.5% of transaction amount (subject to a minimum of ₹500)
Overlimit fee: 2.5% of the overlimit amount that exceeds the credit limit or ₹600, whichever is higher, will be levied. Overlimit Fee will be levied only once per billing cycle.
Payment dishonour: In case of a Payment Dishonor, cardholder will be charged payment dishonor fee of 2% of Payment Amount subject to minimum charges of ₹500
Forex markup: 3.5% on all foreign currency transactions
DCC markup: 3.50%
Reward redemption: ₹99 per redemption
Fuel surcharge: 1% waiver, on ₹500–₹3000 txns, max ₹100/cycle

Late payment

Outstanding amount	Late fee
₹0 – ₹100	Nil
₹100 – ₹500	₹100
₹500 – ₹1,000	₹500
₹1,000 – ₹10,000	₹750
₹10,000 – ₹25,000	₹950
₹25,000 – ₹50,000	₹1,100
Above ₹50,000	₹1,300

View official MITC →

Features

✓ Contactless✓ International usage

Additional features

Easy Bill Pay Facility - Pay your electricity, telephone, mobile and other utility bills
Flexipay EMI - Convert eligible purchases into easy monthly EMIs

No rewards on

Fuel · Rental · Government · Gaming · Wallet · Emi

Is this card worth it for you?

Your monthly spend

₹10,000₹5,00,000

Landmark stores — 2.5% back

0% of spend100% of spend

Dining movies international — 1.25% back

0% of spend100% of spend

Remaining 65% of spend earns the 0.25% base rate.

Rewards / year

₹5,100

≈ 0.85% effective

Annual fee

₹0

no published waiver

Net steady-state return

+₹5,100/year

Strong fit at this spend

At ₹50,000/month, rewards outrun the fee by ₹5,100 a year.

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Based on published rates as of 2026-08-07; assumes 1 RP = INR 0.25 per issuer T&C '4 Reward Points = `1'; confirmed by closed-loop path (1 LMR = `0.60 = 2.4 RP) and statement-debit adjustment ('1 Reward point = INR 0.25'). Marketed redemption is closed-loop conversion into Landmark Rewards (LMR); redemption below 1000 points charged `99+GST.. Rewards estimates, not guarantees.