Lifestyle cards reward urban spending across entertainment, wellness, dining, and subscriptions. They work best for city dwellers with diverse spending patterns.
Our top pick for lifestyle credit cards is the Amazon Pay ICICI Bank Credit Card from ICICI (no annual fee). Best lifetime-free option: FIRST Wealth Credit Card (IDFC First). Best premium pick: Times Black (ICICI, ₹20,000 fee). Ranked from 156 Indian credit cards Vyaya tracks, with fees and earn rates re-verified against issuer terms (October 2026).
ICICI · No annual fee · 1% rewards
SBI · ₹1,499 annual fee · 1.5% rewards
ICICI · ₹20,000 annual fee · 0.8% rewards
AU · ₹4,999 annual fee · 1% rewards
Axis · ₹5,000 annual fee · 1% rewards
ICICI · ₹12,000 annual fee · 0.25% rewards
ICICI · ₹12,499 annual fee · 1.2% rewards
HDFC · ₹10,000 annual fee · 1% rewards
HDFC · ₹12,500 annual fee · 1% rewards
AMEX · ₹10,000 annual fee · 1% rewards
HSBC · ₹20,000 annual fee · 3% rewards
HDFC · ₹1,000 annual fee · 0.4% rewards
IDFC First · No annual fee · 0.38% rewards
Axis · ₹500 annual fee · 1% rewards
HDFC · ₹499 annual fee · 1% rewards