Lifestyle Credit Cards – Live More, Earn More!
Shine Bright with the Best Lifestyle Credit Cards in India
Whether it’s luxury shopping, fine dining, movies, or everyday purchases, CardMela.com brings you a carefully curated selection of Top Lifestyle Credit Cards designed to reward the way you live.
Enjoy more than just transactions — these credit cards elevate your daily lifestyle. From discounts on premium brands and dining privileges to OTT subscriptions and exclusive partner rewards, the benefits are built for your routine.
Explore top cards like the HDFC Millennia Credit Card, SBI SimplyCLICK, ICICI Coral Credit Card, and AU Bank Xcite Ultra — each tailored to suit modern lifestyles and urban spenders.
These cards also come with added advantages like:
Reward points on shopping, dining, and online platforms
Exclusive lifestyle deals on entertainment, food, and fashion
Annual fee waivers on reaching minimum spending milestones
Start living with the right card. Use our comparison tool to evaluate key benefits, fees, eligibility, and apply directly from CardMela.
HDFC Bank Swiggy Credit Card
★★★★☆ (4.2/5)
Best for frequent flyers and premium lifestyle users
Benefits:
4 Reward Points per ₹150 spent
Free access to domestic & international lounges
Milestone rewards up to 15,000 points/year
Low 2% forex markup
Travel insurance & lifestyle privileges
Eligibility:
Salaried: ₹1.5L/month; Self-employed: ITR > ₹18L/year
Fees:
₹2,500 Annual Fee (waived on ₹3L spend), Late Fee ₹100–₹1,300
AU Bank Lit Credit Card
★★★★☆ (4/5)
*Best for users who want full control over their card benefits
Benefits:
Customize benefits as per your needs
Up to 5% Cashback on selected categories
Choose from Lounge Access, Fuel Waiver, OTT Subscriptions
Real-time benefit switching via AU 0101 App
₹49/month feature pack (only when used)
Eligibility:
₹20,000/month income, Credit Score 700+
Fees:
Zero Joining Fee, ₹49/month if feature pack activated, No hidden charges
AU Bank Xcite Ace Credit Card
★★★★☆ (4/5)
Ideal for moderate spenders seeking cashback and lifestyle perks
Benefits:
3% Cashback above ₹20,000 spends/month (max ₹750)
4 complimentary lounge visits (domestic airports & railways) quarterly
Fuel surcharge waiver ₹400–₹5,000 (max ₹200/month)
1-year device protection and up to 30% dining discount
Eligibility:
₹25,000/month income, Credit Score 750+, Existing AU Bank customers
Fees:
Lifetime Free (No Joining or Annual Fee), Late Fee ₹150–₹1,000
AU Bank Xcite Ultra Credit Card
★★★★☆ (4.5/5)
Ideal for high spenders seeking maximum rewards and travel benefits
Benefits:
Up to 3% rewards on international spends (12 RP/₹100)
2 complimentary domestic airport lounge visits per quarter
2 complimentary railway lounge visits per quarter
1% fuel surcharge waiver on transactions ₹400–₹5,000 (max ₹200/month)
500 bonus RP on ₹5,000+ retail spends between 1st–5th of month
5,000 bonus RP on ₹2.5L annual retail spend
Eligibility:
Minimum ₹25,000/month income, Credit Score 750+, Existing AU Bank customers
Fees:
Lifetime Free (No Joining or Annual Fee), Late Fee ₹150–₹1,300 based on outstanding balance
ICICI Coral Credit Card
★★★★☆ (4.2/5)
Best for movie lovers & frequent travelers
Benefits:
2 reward points per ₹100 spent
25% off on 2 movies/month via BookMyShow & INOX
1 free domestic lounge + 1 railway lounge access quarterly
1% fuel surcharge waiver at HPCL
Exclusive dining offers & chip-enabled security
Eligibility:
Age 21–58 years (salaried)
Minimum ₹15,000 monthly income
Fees:
Joining fee ₹500 + GST
Annual fee ₹500 + GST (waived on ₹1.5L annual spend)
ICICI Bank Times Black Credit Card
★★★★★ (5/5)
Best for ultra-premium lifestyle and travel perks
Benefits:
₹10K EaseMyTrip voucher + ₹10K visa benefit
Zomato Gold, Quorum Club, Klook & Ayatana perks
Luxury gift cards (Toni&Guy, Tata CLiQ, Interflora)
Unlimited airport lounge access
2.5X rewards on international, 2X on domestic spends
Eligibility:
Invite-only for high-income individuals
Fees:
Joining fee ₹20,000 + GST
Annual fee ₹20,000 + GST (waived on ₹25L spend)
ICICI Bank Manchester United Credit Card
★★★★☆ (4.3/5)
Best for Manchester United fans and frequent travelers
Benefits:
Manchester United branded merchandise on joining
Buy 1 Get 1 free movie tickets (up to ₹100)
1 complimentary domestic lounge access per quarter
Up to 3 reward points per ₹100 on domestic spends
Up to 6 reward points per ₹100 on international spends
1% fuel surcharge waiver at HPCL pumps
Eligibility:
Indian resident with a stable income
Good credit history
Fees:
Joining fee ₹499 + GST
Annual fee ₹499 + GST (waived on ₹1.25L annual spend)
IndusInd Bank Easy Diner Credit Card
★★★★☆ (4.5/5)
Best for frequent diners wanting max discounts
Benefits:
₹0 joining & annual fee
12-month EazyDiner Prime membership
2,000 bonus EazyPoints + ₹5,000 hotel voucher
10x rewards dining/shopping, 4x on others
3x EazyPoints on app bookings
25% off ₹1,000 dining via PayEazy
2 airport lounges quarterly + 2 movie tickets/month
1% fuel surcharge waiver
Unauthorized transaction insurance
Eligibility:
Age 18–65, Indian resident
Salaried/self-employed with good credit score
Fees:
Joining & annual fee ₹1,999 each
Interest & late payment fees applicable
IDFC First Bank Ashva Credit Card
★★★★☆ (4.2/5)
Best for travelers & lifestyle users
Benefits:
₹500 cashback on 4 transactions
5X rewards up to ₹20K/month, 10X on higher spends & birthdays
4 domestic + 2 international lounge visits/quarter
Golf perks & 1% forex markup
Movie discount & hotel booking offers
Eligibility:
Select customers, bank approval required
Fees:
Joining ₹2,999 + GST
Annual ₹2,999 + GST (waived on ₹8L spend)
IDFC First Bank Classic Credit Card
★★★★☆ (4.5/5)
Best for lifetime-free card with good rewards
Benefits:
₹500 gift voucher on ₹5,000 spend within 30 days
5% cashback on first EMI (up to ₹1,000)
3X reward points on UPI spends
10X points on spends above ₹20,000/month & birthdays
1% fuel surcharge waiver
25% off on movie tickets (up to ₹100/month)
4 railway lounge visits per quarter
₹2L personal accident cover
Eligibility:
Annual income ₹3L+
₹5,000 spend within 30 days for welcome benefits
Fees:
Joining fee ₹0
Annual fee ₹0
Axis Bank My Zone Credit Card
★★★★☆ (4.0/5)
Ideal for entertainment enthusiasts
Benefits:
Complimentary SonyLIV Premium subscription
Flat ₹120 off on Swiggy (twice a month)
Complimentary lounge access
1% fuel surcharge waiver (₹400–₹4,000 transactions)
Eligibility:
Salaried individuals with ₹25,000/month income, Credit Score 750+
Fees:
₹500 Joining Fee, ₹500 Annual Fee (waived on ₹2L spend/year), Late Fee ₹100–₹1,300
Axis Bank Neo Credit Card
★★★☆☆ (3.8/5)
Ideal for beginners and online shoppers
Benefits:
10% off on Myntra, BookMyShow & Zomato
5% off on utility bill payments
1% fuel surcharge waiver (₹400–₹4,000 transactions)
Eligibility:
Salaried individuals with ₹25,000/month income, Credit Score 750+
Fees:
₹250 Joining Fee, ₹250 Annual Fee (waived on ₹1L spend/year), Late Fee ₹100–₹1,300
Tata Neu HDFC Credit Card
★★★★★ (5/5)
Best for Tata brand loyalists seeking high rewards
Benefits:
5% NeuCoins on Tata Neu & partner brands
1.5% NeuCoins on non-Tata spends & UPI
1% fuel surcharge waiver
Domestic lounge access: 2 per quarter
Priority Pass for international lounges
Contactless payments enabled
Welcome benefit: 1,499 NeuCoins on first transaction
Renewal fee waiver on ₹3L annual spend
Eligibility
Salaried: 21–60 years, ₹25,000/month income
Self-employed: 21–65 years, ₹6L annual income
Indian resident, KYC compliant
Fees
Joining fee: ₹0 (First Year Free)
Annual fee: ₹1,499 + GST (waived on ₹3L annual spend)
Foreign currency markup: 2%
ICICI Bank Make My Trip Credit Card
★★★★☆ (4.5/5)
Best for frequent travelers booking via MakeMyTrip
Benefits:
₹1,000 MakeMyTrip voucher on joining
Up to 6% myCash on MakeMyTrip bookings
1% myCash on other retail spends
8 domestic and 1 international lounge access per year
MMTBLACK Gold membership
0.99% forex markup
Buy 1 Get 1 movie ticket offer (up to ₹150, twice a month)
3 months no-cost EMI on MakeMyTrip bookings
Eligibility:
Indian resident with a stable income
Good credit history
Fees:
Joining fee ₹999 + GST
Annual fee ₹999 + GST (waived on ₹3L annual spend)
ELive Smart, Spend Better – Your Ultimate Guide to the Best Lifestyle Credit Cards in India
Whether it’s shopping online, dining out, catching the latest movies, or indulging in luxury brands, the right lifestyle credit card can turn your everyday spends into exclusive rewards. At CardMela.com, we help you explore, compare, and choose from the best lifestyle credit cards in India based on your spending style, budget, and personal preferences.
Instead of browsing through countless bank websites, use our platform to discover cards that offer accelerated reward points, exclusive brand tie-ups, dining offers, OTT subscriptions, and more — all in one place.
Why Choose a Lifestyle Credit Card?
A lifestyle credit card is your everyday financial partner. Here’s why thousands of smart spenders rely on them:
Dining & Movie Benefits: Get 1+1 movie tickets, Zomato/Swiggy discounts, and curated fine-dine offers with cards like ICICI Coral and SBI SimplyCLICK.
Accelerated Rewards on Shopping: Earn more reward points or cashback on groceries, fashion, electronics, and daily spends. Cards like HDFC Millennia and Axis Ace are customer favourites.
Subscription & OTT Deals: Enjoy free or discounted subscriptions to services like Amazon Prime, Hotstar, Zee5, and more with selected lifestyle cards.
Milestone Benefits & Cashback: Hit spending milestones and unlock annual fee waivers, cashback bonuses, or vouchers with cards like AU Xcite Ultra or SBI Card Pulse.
Brand-Specific Rewards: Get exclusive offers and vouchers from top brands in fashion, electronics, and personal care with co-branded lifestyle cards.
Compare. Choose. Spend Smart.
At CardMela.com, we provide a fully transparent comparison experience. You can filter and compare cards by:
- Annual/Joining Fees
- Shopping & Dining Benefits
- Reward Rates & Cashback Value
- Brand Tie-ups and Vouchers
- OTT & Entertainment Deals
Some of our featured top lifestyle credit cards include:
HDFC Millennia Credit Card – Best for millennials who shop online frequently with cashback on Amazon, Flipkart, Swiggy, etc.
AU Bank Xcite Ultra Credit Card – A power-packed card for shopping, fuel, and lifestyle with milestone rewards.
SBI SimplyCLICK Credit Card – Designed for online spenders with accelerated rewards on e-commerce brands.
ICICI Coral Credit Card – Entry-level lifestyle card with movie, dining, and rewards benefits.
Axis Bank Neo Credit Card – Great starter card with youth-focused offers like Zomato, Blinkit, and BookMyShow.
You can also explore low-fee lifestyle cards, premium segment cards, or brand-specific co-branded credit cards depending on your lifestyle.
Who Should Get a Lifestyle Credit Card?
These cards are ideal for:
- Urban professionals with high online and offline spends
- Students or young professionals just starting to build credit
- Working couples or families with digital entertainment subscriptions
- Cashback hunters and bargain shoppers
- Foodies and moviegoers looking for exclusive deals
- Online shopping enthusiasts
- Brand loyalists who prefer Myntra, Amazon, Flipkart, etc.
If any of these sound like you, browse our curated lifestyle credit card collection and apply directly through CardMela.com.
Transparent Fees & Eligibility
Every card listed comes with clear information about:
- Joining/Annual Fees
- Fee Waiver on Minimum Spend
- Reward Point Conversion
- Late Payment Charges
- Income Requirements
- Credit Score Needed
We recommend a CIBIL score above 720 for faster approvals on lifestyle cards.
Maximize Your Everyday Spending
The right lifestyle credit card can turn daily purchases into big rewards. You don’t need to spend lakhs — just spend smart. That’s why we suggest pairing a lifestyle card with a cashback or fuel credit card for full coverage.
For example, someone spending ₹15K/month on shopping, dining, and groceries might go for an HDFC Millennia Card + Axis Ace Credit Card combo to maximize cashback and rewards.
Why Choose CardMela.com?
We are India’s trusted credit card comparison platform that puts your lifestyle first. Here’s why users choose us:
- Real-time, Transparent Comparisons
- No Hidden Charges or Biased Rankings
- Updated Offers from Major Banks
- Direct, Fast Application Links
- Expert Content Tailored for Indian Consumers
- SEO-optimized & Mobile-friendly Interface
Need help? Explore our Lifestyle Card Guides or user reviews to make the best decision.
Final Word
A lifestyle credit card isn’t just a payment tool — it’s a smarter way to live. From free food delivery to shopping rewards, OTT deals, and more, it adds value to every swipe.
So why pay full price? Explore our collection of lifestyle credit cards, compare features, and apply online — all at CardMela.com. Whether you’re a foodie, fashionista, or binge-watcher, there’s a card for your life. Find it now.