Is the Landmark Rewards SBI Card SELECT Worth It?
Enter what you spend where this card pays more, and the benefits you would use. See what it is worth to you in rupees, after its fee.
- 207Cards to check
- FreeCost
- Shopping card
- ₹1,769 fee a year (with GST)
- 0.5% base, up to 2.5% on dining; 3.75% only at partner merchants
- Pays in reward points
- online shopping only at Landmark stores: 3.75% back
- dining: 2.5% back
- you spend less than ₹29,500 a month: below that the ₹1,769 fee costs more than the rewards
- most of your spending is fuel, rent, wallet top-ups or government payments: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you rarely spend on Landmark stores: the 3.75% rate applies only there, everything else earns 0.5%
- you often pay in foreign currency: 3.5% is added to every foreign spend
Your spend a month, by kind
Terms on the normal rate: 2 Reward Points per Rs.100 (~0.5%) on other retail purchases; fuel, rent, government, gaming, wallet & EMI earn nothing. 4 RP = Rs.1
Total on the card: ₹0 a month
Abroad and benefits
Every rate on this card, and what your spend earns
| Spend category | Rate | Monthly cap | Where it applies | Your spend earns |
|---|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI | - |
| Online shopping | 0.5% | No cap | Anywhere else in the category | - |
| Online shopping, only at listed merchants | 3.75% | No cap | Only at: Landmark storesTerms: 15 Reward Points per ₹100 (~3.75%) at online & retail Landmark stores, Lifestyle, Home Centre, Max, Spar, Baby Shop and EasyBuy | - |
| Dining and food delivery | 2.5% | No cap | All merchants in the categoryTerms: 10 Reward Points per ₹100 (~2.5%) on dining, movies and international spends | - |
| Groceries | 0.5% | No cap | The card's normal rate | - |
| Travel: flights, hotels, trains | 0.5% | No cap | The card's normal rate | - |
| Fuel | Earns nothing | - | earns nothing on this card | - |
| Bills and recharges | 0.5% | No cap | The card's normal rate | - |
| Rent | Earns nothing | - | earns nothing on this card | - |
| Insurance premiums | 0.5% | No cap | The card's normal rate | - |
| School and college fees | 0.5% | No cap | The card's normal rate | - |
| Wallet top-ups | Earns nothing | - | earns nothing on this card | - |
| Taxes and government payments | Earns nothing | - | earns nothing on this card | - |
| Spend abroad or in a foreign currency | 2.5% | No cap | All merchants in the categoryTerms: 10 Reward Points per ₹100 (~2.5%) on international spends | - |
| Everything else | 0.5% | No cap | The card's normal rate | - |
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Common Questions
When is a credit card worth its annual fee?
When the rewards you actually earn in a year are more than the fee plus 18% GST, or when you spend enough for the bank to waive the fee. This calculator works out both from the card's own published terms.
Why is GST added to the fee?
Card fees carry 18% GST, so a ₹1,000 fee costs ₹1,180. Where the bank already quotes the fee with GST, it is not added twice.
What does 'capped' mean?
Many cards limit the reward you can earn in a month in a category. Spending above the cap earns nothing extra, so the calculator stops counting there.
Is a lifetime free card always better?
Not always. A paid card with higher rewards can leave you with more once you spend enough. The break-even line shows the monthly spend where that starts.
