RewardsLifetime Free
IndusInd Bank
- Joining fee
- Free
- Annual fee
- Free
- Rewards
- 0.4% on most spends
- Network
- Visa
Lifestyle credit cards in India
54 options, compared on the numbers that decide it: what you pay to hold one, what you get back, and who is eligible.
- 54Options
- 9Providers
A lifestyle card here is one that gives free or discounted movie tickets, a streaming membership, or a higher rate on streaming subscriptions. It suits people who would use those benefits every month.
Grocery
Axis Bank
- Joining fee
- ₹3,000 + GST
- Annual fee
- ₹3,000 + GST
- Rewards
- 1% base, up to 2% on groceries
- Fee waived on
- ₹8 lakh spend a year
DiningLifetime Free
IDFC First Bank
- Joining fee
- Free
- Annual fee
- Free
- Rewards
- 0.38% base, up to 1.25% on dining
- Network
- Visa
Grocery
RBL Bank
- Joining fee
- ₹500 + GST
- Annual fee
- ₹500 + GST
- Rewards
- 0.25% base, up to 5% on groceries
- Fee waived on
- ₹1,50,000 spend a year
Dining
State Bank of India
- Joining fee
- ₹1,499 + GST
- Annual fee
- ₹1,499 + GST
- Rewards
- 0.5% base, up to 2.5% on dining
- Fee waived on
- ₹2 lakh spend a year
Dining
State Bank of India
- Joining fee
- ₹4,999 + GST
- Annual fee
- ₹4,999 + GST
- Rewards
- 0.5% base, up to 2.5% on dining
- Fee waived on
- ₹10 lakh spend a year
Travel
Axis Bank
- Joining fee
- ₹750 + GST
- Annual fee
- ₹750 + GST
- Rewards
- 0.75% base, up to 1.5% on dining; 4.5% only at partner merchants
- Network
- Visa
Shopping
Yes Bank
- Joining fee
- ₹999 + GST
- Annual fee
- ₹999 + GST
- Rewards
- 0.6% base, up to 1.2% on online shopping
- Fee waived on
- ₹2 lakh spend a year
Shopping
Yes Bank
- Joining fee
- ₹599 + GST
- Annual fee
- ₹599 + GST
- Rewards
- 0.4% base, up to 0.8% on online shopping
- Fee waived on
- ₹1 lakh spend a year
Grocery
State Bank of India
- Joining fee
- ₹499 + GST
- Annual fee
- ₹499 + GST
- Rewards
- 0.5% base, up to 2% on dining; 3% only at partner merchants
- Fee waived on
- ₹1 lakh spend a year
Grocery
AU Small Finance Bank
- Joining fee
- ₹1,000 + GST
- Annual fee
- ₹1,000 + GST
- Rewards
- 0.5% base, up to 1.25% on groceries
- Fee waived on
- ₹2 lakh spend a year
Dining
AU Small Finance Bank
- Joining fee
- ₹4,999 + GST
- Annual fee
- ₹4,999 + GST
- Rewards
- 1% base, up to 2% on dining
- Fee waived on
- ₹8 lakh spend a year
Rewards
Axis Bank
- Joining fee
- ₹1,00,000 + GST
- Annual fee
- ₹1,00,000 + GST
- Rewards
- 6% on most spends
- Network
- Visa
Rewards
Axis Bank
- Joining fee
- ₹500 + GST
- Annual fee
- ₹500 + GST
- Rewards
- 0.4% on most spends
- Network
- Visa
Rewards
Axis Bank
- Joining fee
- ₹250 + GST
- Annual fee
- ₹250 + GST
- Rewards
- 0.1% on most spends
- Network
- Visa
Rewards
Axis Bank
- Joining fee
- ₹1,500 + GST
- Annual fee
- ₹1,500 + GST
- Rewards
- 1% on most spends
- Fee waived on
- ₹5 lakh spend a year
International
Axis Bank
- Joining fee
- ₹50,000 + GST
- Annual fee
- ₹50,000 + GST
- Rewards
- 3% base, up to 6% on foreign spends
- Fee waived on
- ₹35 lakh spend a year
Dining
Bank of Baroda
- Joining fee
- ₹2,499 + GST
- Annual fee
- ₹2,499 + GST
- Rewards
- 0.75% base, up to 3.75% on dining
- Fee waived on
- ₹2,50,000 spend a year
Dining
Bank of Baroda
- Joining fee
- ₹2,499 + GST
- Annual fee
- ₹2,499 + GST
- Rewards
- 0.75% base, up to 3.75% on dining
- Fee waived on
- ₹2,50,000 spend a year
DiningLifetime Free
IndusInd Bank
- Joining fee
- Free
- Annual fee
- Free
- Rewards
- 0.4% on most spends; 20% only at partner merchants
- Network
- Visa
InternationalLifetime Free
Federal Bank
- Joining fee
- Free
- Annual fee
- Free
- Rewards
- 0.25% base, up to 0.75% on foreign spends
- Network
- Visa
GroceryLifetime Free
Federal Bank
- Joining fee
- Free
- Annual fee
- Free
- Rewards
- 0.17% base, up to 0.5% on groceries
- Network
- Visa
ShoppingLifetime Free
Federal Bank
- Joining fee
- Free
- Annual fee
- Free
- Rewards
- 0.13% base, up to 0.25% on streaming subscriptions; 0.38% only at partner merchants
- Network
- Visa
DiningLifetime Free
Axis Bank
- Joining fee
- Free
- Annual fee
- Free
- Rewards
- 1% base, up to 3% on streaming subscriptions
- Network
- RuPay
Showing 24 of 54
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Card changes
All card changesRecent Changes on Lifestyle Cards
Banks change fees and rewards often. These are the latest on lifestyle cards we list, with the source.
Axis Bank Burgundy Private Credit CardComplimentary memberships renew only if you opt inSee the card's changes →- Axis Bank Reserve Credit CardComplimentary memberships renew only if you opt inSee the card's changes →
- Axis Bank Select Credit CardComplimentary memberships renew only if you opt inSee the card's changes →
Questions About Lifestyle Credit cards
Straight answers before you apply. Each card's own terms are on its page.
How do movie benefits work?
Usually as a buy-one-get-one or a discount on tickets booked through a named app, up to a monthly limit.
How many Lifestyle credit cards does SkyloFin compare?
54 right now, each with its fees, benefits and eligibility from the provider's own published terms. SkyloFin never charges you to apply.
Work Out the Numbers
Free calculators that run in your browser. Nothing you type is sent to us.
Credit Cards
All Credit Cards guidesGuides in Plain Words
Short reads that explain how it works before you decide.
- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
GuidesNo-Cost EMI: What It Really Costs You, With a Worked ExampleNo-cost EMI is not a trick, but it is rarely free. Here is where the money goes: the discount you give up, the processing fee, and GST on the interest, worked out on a Rs 30,000 phone.Read the guide →- GuidesBest Online Shopping Credit Cards in India (2026)The credit cards that pay the most back on online shopping in 2026, which sites count, the monthly cap and the annual fee.Read the guide →
