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Best Lifestyle credit cards

Every Lifestyle card we track, compared on fee, rewards and eligibility.

IndusInd Bank

IndusInd Bank Tiger Credit Card

Annual fee Lifetime free

5cards

Quick picks

Entry level · Lifestyle

IndusInd Bank

IndusInd Bank Tiger Credit Card

Lifetime free, with a rate that climbs to 6X and the lowest forex markup of any free card here

Best forPutting all of a household's spending on one free card
Complimentarylounge access
1.5%forex markup

Annual fee

Lifetime free

Joining feeNil

Apply now View details

Reward rate: Up to 2.4% rewards
Forex markup: 1.5%
Lounge access: 8/yr domestic · 2/yr intl
Interest: 46% p.a.
Credit score: 700+

Heads-up: The multiplier is set by annual spending: up to Rs. 1,00,000 earns only 1X, and the 6X rate needs more than Rs. 5,00,000 a year.

Entry level · Lifestyle

Icici Bank

ICICI Bank Coral Credit Card BK

Two points per hundred, a lounge visit a quarter, and a fee that Rs. 1.5 lakh of spend clears.

Best forFirst-time credit card users
Complimentarylounge access
Instantapproval

Annual fee

₹500

Fee waivable on spend

Joining fee₹500

Apply now View details

Reward rate: Up to 2 reward points per ₹100
Forex markup: 3.5%
Lounge access: 1/qtr domestic
Interest: 45% p.a.
Credit score: 700+

Heads-up: The airport lounge visit is not unconditional: it needs Rs. 75,000 of spend in the preceding calendar quarter. The railway lounge visit has…

Entry level · Lifestyle

Icici Bank

ICICI Bank Coral RuPay Credit Card BK

A Coral card you can pay UPI with, plus a lounge visit a quarter.

Best forFirst-time credit card users
Complimentarylounge access
Instantapproval

Annual fee

₹500

Fee waivable on spend

Joining fee₹500

Apply now View details

Reward rate: Up to 2 reward points per ₹100
Forex markup: 3.5%
Lounge access: 1/qtr domestic
Interest: 45% p.a.
Credit score: 700+

Heads-up: The airport lounge visit is not unconditional: it needs Rs. 75,000 of spend in the preceding calendar quarter. The railway lounge visit has…

Entry level · Lifestyle

RBL Bank

RBL Bank Cookies Credit Card

A ₹100-a-month card that pays for itself on ₹5,000 of spend, built around three brands most people already use.

Best forSpending on Myntra, Uber and Zomato most months
₹1,000welcome voucher
Fuel surchargewaiver

Annual fee

₹100 + GST

Fee waivable on spend

Joining feeNil

Apply now View details

Reward rate: Up to 10% cashback
Forex markup: Not published
Lounge access: None
Interest: Not published
Credit score: 700+

Heads-up: The fee is charged monthly and waived monthly. Spend under ₹5,000 in a month and ₹100 + GST is charged for the next one — the waiver has to…

Everyday · Lifestyle

State Bank

SBI PRIME Credit Card

Ten points per hundred on groceries and dining, with lounge access and a Club Vistara membership.

Best for10X Reward Multiplication Engine
Complimentarylounge access
₹3,000welcome voucher

Annual fee

₹2,999 + GST

Waived on ₹3L spend

Joining fee₹2,999 + GST

Apply now View details

Reward rate: 10X points per ₹100
Forex markup: Not published
Lounge access: 2/qtr domestic · 4/qtr intl
Interest: 45% p.a.
Credit score: 750+

Heads-up: 4 Reward Points are worth Re. 1, so the 10X tier is an effective 2.5% back and the base rate is 0.5%.

Tools for choosing a Lifestyle card

Check approval odds, track the fee dates, and see if switching from your current card pays.

How we rank

Every card we trackThe full catalogue, filterable by fee and perk.Will they approve me?Soft check against each bank’s published rules.Best card per purchaseFuel, dining, online — the winner changes.Switch calculatorNet gain after annual fees, on your spends.My walletFee-waiver countdowns for cards you hold.Shortlist & shareSave picks, send one link to anyone.

Lifestyle credit cards: guide and FAQs

Everything worth knowing before you choose. All of it is on this page — open only what you need.

1. Lifestyle credit cards in India

1 min read

Lifestyle credit cards reward the spending that fills a weekend — dining, food delivery, groceries, cinema — rather than travel or online shopping. Four are tracked here, from Rs. 500 to Rs. 2,999 a year.

The category rewards regular, ordinary spending, so the caps matter more than the headline rate.

2. What makes a good lifestyle credit card

1 min read

A rate on the thing you do weekly, not occasionally.
A cap high enough to matter. A 10% rate capped at Rs. 300 a month is worth Rs. 3,600 a year at most.
A fee waiver you will reach. These range from Rs. 60,000 to Rs. 3,00,000 of annual spending.
Lounge visits, if you travel — two of the four include them.

3. Lifestyle credit cards compared

Table · 1 min read

Card	Annual fee	Fee waived at	Top earn rate	Lounge
ICICI Bank Coral	Rs. 500	Rs. 1,50,000	2 points per Rs. 100	1 a quarter
ICICI Bank Coral RuPay	Rs. 500	Rs. 1,50,000	2 points per Rs. 100, works on UPI	1 a quarter
RBL Cookies	Rs. 1,200	Rs. 60,000	10% on food delivery, capped Rs. 300 a month	No
SBI PRIME	Rs. 2,999	Rs. 3,00,000	10 points per Rs. 100 on groceries	2 a quarter

The Coral RuPay variant is the only one here that links to UPI apps.

4. How the earn rates and caps differ

1 min read

RBL Cookies has the highest headline rate at 10% on food delivery, and the tightest ceiling: Rs. 300 a month.
SBI PRIME pays 10 points per Rs. 100 on groceries — about 2.5% — with no comparable monthly cap, which makes it the stronger card for a household.
The Coral pair pay a flat 2 points per Rs. 100, about 0.5%; they are held for the lounge access and the low fee rather than the rate.

Run the arithmetic before the rate impresses you: Cookies returns at most Rs. 3,600 a year against a Rs. 1,200 fee.

5. Fees, and which cards are effectively free

1 min read

None is lifetime free. The cheapest are the two ICICI Coral cards at Rs. 500, reversed at Rs. 1,50,000 of annual spending.

RBL Cookies has the easiest waiver at Rs. 60,000 — about Rs. 5,000 a month — and SBI PRIME the hardest at Rs. 3,00,000, which is Rs. 25,000 a month.

6. What earns nothing

1 min read

Fuel, rent and wallet loads on all four.
EMI conversions and cash advances.
Spending past the cap drops to the base rate — most relevant on RBL Cookies.
Points expire, commonly after 24 months.

7. How to choose a lifestyle credit card

1 min read

Groceries and dining for a household — SBI PRIME, if you spend enough to clear its Rs. 3,00,000 waiver.
Food delivery a few times a week — RBL Cookies, using the full Rs. 300 monthly cap.
Low fee with lounge access — ICICI Bank Coral, or the RuPay variant if you want UPI.
Simple cashback instead — compare the cashback category.

8. Frequently Asked Questions

5 questions answered

Which is the best lifestyle credit card in India?

SBI PRIME for household groceries and dining at 10 points per Rs. 100, if you can clear its Rs. 3,00,000 waiver. For a low fee with lounge access, ICICI Bank Coral at Rs. 500 is the safer pick.

Which lifestyle card is best for food delivery?

RBL Cookies pays 10% on food delivery, but caps it at Rs. 300 a month — about Rs. 3,600 a year against a Rs. 1,200 fee. Swiggy BLCK HDFC Bank pays the same rate with a Rs. 1,500 monthly cap.

Do lifestyle credit cards give lounge access?

Two of the four do: one visit a quarter on both ICICI Coral cards, and two a quarter on SBI PRIME.

Are lifestyle credit cards worth the fee?

Only if you use the accelerated category weekly. A Rs. 1,200 card capped at Rs. 300 a month needs consistent use; a low-fee card with lounge visits is the safer choice otherwise.

Which lifestyle credit card works on UPI?

ICICI Bank Coral RuPay. Only RuPay credit cards can be linked to UPI apps in India.

Best Lifestyle credit cards

Every Lifestyle card we track, compared on fee, rewards and eligibility.

IndusInd Bank

IndusInd Bank Tiger Credit Card

Annual fee Lifetime free

5cards

Quick picks

Entry level · Lifestyle

IndusInd Bank

IndusInd Bank Tiger Credit Card

Lifetime free, with a rate that climbs to 6X and the lowest forex markup of any free card here

Best forPutting all of a household's spending on one free card
Complimentarylounge access
1.5%forex markup

Annual fee

Lifetime free

Joining feeNil

Apply now View details

Reward rate: Up to 2.4% rewards
Forex markup: 1.5%
Lounge access: 8/yr domestic · 2/yr intl
Interest: 46% p.a.
Credit score: 700+

Heads-up: The multiplier is set by annual spending: up to Rs. 1,00,000 earns only 1X, and the 6X rate needs more than Rs. 5,00,000 a year.

Entry level · Lifestyle

Icici Bank

ICICI Bank Coral Credit Card BK

Two points per hundred, a lounge visit a quarter, and a fee that Rs. 1.5 lakh of spend clears.

Best forFirst-time credit card users
Complimentarylounge access
Instantapproval

Annual fee

₹500

Fee waivable on spend

Joining fee₹500

Apply now View details

Reward rate: Up to 2 reward points per ₹100
Forex markup: 3.5%
Lounge access: 1/qtr domestic
Interest: 45% p.a.
Credit score: 700+

Heads-up: The airport lounge visit is not unconditional: it needs Rs. 75,000 of spend in the preceding calendar quarter. The railway lounge visit has…

Entry level · Lifestyle

Icici Bank

ICICI Bank Coral RuPay Credit Card BK

A Coral card you can pay UPI with, plus a lounge visit a quarter.

Best forFirst-time credit card users
Complimentarylounge access
Instantapproval

Annual fee

₹500

Fee waivable on spend

Joining fee₹500

Apply now View details

Reward rate: Up to 2 reward points per ₹100
Forex markup: 3.5%
Lounge access: 1/qtr domestic
Interest: 45% p.a.
Credit score: 700+

Heads-up: The airport lounge visit is not unconditional: it needs Rs. 75,000 of spend in the preceding calendar quarter. The railway lounge visit has…

Entry level · Lifestyle

RBL Bank

RBL Bank Cookies Credit Card

A ₹100-a-month card that pays for itself on ₹5,000 of spend, built around three brands most people already use.

Best forSpending on Myntra, Uber and Zomato most months
₹1,000welcome voucher
Fuel surchargewaiver

Annual fee

₹100 + GST

Fee waivable on spend

Joining feeNil

Apply now View details

Reward rate: Up to 10% cashback
Forex markup: Not published
Lounge access: None
Interest: Not published
Credit score: 700+

Heads-up: The fee is charged monthly and waived monthly. Spend under ₹5,000 in a month and ₹100 + GST is charged for the next one — the waiver has to…

Everyday · Lifestyle

State Bank

SBI PRIME Credit Card

Ten points per hundred on groceries and dining, with lounge access and a Club Vistara membership.

Best for10X Reward Multiplication Engine
Complimentarylounge access
₹3,000welcome voucher

Annual fee

₹2,999 + GST

Waived on ₹3L spend

Joining fee₹2,999 + GST

Apply now View details

Reward rate: 10X points per ₹100
Forex markup: Not published
Lounge access: 2/qtr domestic · 4/qtr intl
Interest: 45% p.a.
Credit score: 750+

Heads-up: 4 Reward Points are worth Re. 1, so the 10X tier is an effective 2.5% back and the base rate is 0.5%.

Tools for choosing a Lifestyle card

Check approval odds, track the fee dates, and see if switching from your current card pays.

How we rank

Lifestyle credit cards: guide and FAQs

Everything worth knowing before you choose. All of it is on this page — open only what you need.

1. Lifestyle credit cards in India

1 min read

The category rewards regular, ordinary spending, so the caps matter more than the headline rate.

2. What makes a good lifestyle credit card

1 min read

A rate on the thing you do weekly, not occasionally.
A cap high enough to matter. A 10% rate capped at Rs. 300 a month is worth Rs. 3,600 a year at most.
A fee waiver you will reach. These range from Rs. 60,000 to Rs. 3,00,000 of annual spending.
Lounge visits, if you travel — two of the four include them.

3. Lifestyle credit cards compared

Table · 1 min read

Card	Annual fee	Fee waived at	Top earn rate	Lounge
ICICI Bank Coral	Rs. 500	Rs. 1,50,000	2 points per Rs. 100	1 a quarter
ICICI Bank Coral RuPay	Rs. 500	Rs. 1,50,000	2 points per Rs. 100, works on UPI	1 a quarter
RBL Cookies	Rs. 1,200	Rs. 60,000	10% on food delivery, capped Rs. 300 a month	No
SBI PRIME	Rs. 2,999	Rs. 3,00,000	10 points per Rs. 100 on groceries	2 a quarter

The Coral RuPay variant is the only one here that links to UPI apps.

4. How the earn rates and caps differ

1 min read

RBL Cookies has the highest headline rate at 10% on food delivery, and the tightest ceiling: Rs. 300 a month.
SBI PRIME pays 10 points per Rs. 100 on groceries — about 2.5% — with no comparable monthly cap, which makes it the stronger card for a household.
The Coral pair pay a flat 2 points per Rs. 100, about 0.5%; they are held for the lounge access and the low fee rather than the rate.

Run the arithmetic before the rate impresses you: Cookies returns at most Rs. 3,600 a year against a Rs. 1,200 fee.

5. Fees, and which cards are effectively free

1 min read

None is lifetime free. The cheapest are the two ICICI Coral cards at Rs. 500, reversed at Rs. 1,50,000 of annual spending.

RBL Cookies has the easiest waiver at Rs. 60,000 — about Rs. 5,000 a month — and SBI PRIME the hardest at Rs. 3,00,000, which is Rs. 25,000 a month.

6. What earns nothing

1 min read

Fuel, rent and wallet loads on all four.
EMI conversions and cash advances.
Spending past the cap drops to the base rate — most relevant on RBL Cookies.
Points expire, commonly after 24 months.

7. How to choose a lifestyle credit card

1 min read

Groceries and dining for a household — SBI PRIME, if you spend enough to clear its Rs. 3,00,000 waiver.
Food delivery a few times a week — RBL Cookies, using the full Rs. 300 monthly cap.
Low fee with lounge access — ICICI Bank Coral, or the RuPay variant if you want UPI.
Simple cashback instead — compare the cashback category.

8. Frequently Asked Questions

5 questions answered

Which is the best lifestyle credit card in India?

SBI PRIME for household groceries and dining at 10 points per Rs. 100, if you can clear its Rs. 3,00,000 waiver. For a low fee with lounge access, ICICI Bank Coral at Rs. 500 is the safer pick.

Which lifestyle card is best for food delivery?

RBL Cookies pays 10% on food delivery, but caps it at Rs. 300 a month — about Rs. 3,600 a year against a Rs. 1,200 fee. Swiggy BLCK HDFC Bank pays the same rate with a Rs. 1,500 monthly cap.

Do lifestyle credit cards give lounge access?

Two of the four do: one visit a quarter on both ICICI Coral cards, and two a quarter on SBI PRIME.

Are lifestyle credit cards worth the fee?

Only if you use the accelerated category weekly. A Rs. 1,200 card capped at Rs. 300 a month needs consistent use; a low-fee card with lounge visits is the safer choice otherwise.

Which lifestyle credit card works on UPI?

ICICI Bank Coral RuPay. Only RuPay credit cards can be linked to UPI apps in India.