Best Overall
Kotak PVR INOX Credit Card
KOTAK
4.2
Rating
The strongest all-round choice for most readers comparing lifestyle cards today.
Annual Fee
₹499
Reward Rate
9999.9%
EntertainmentLifestyle
79 cards
Updated Mar 15, 2026high confidence
Best Lifestyle Cards in India (April 2026)
Cards focused on entertainment, wellness, memberships, and broader lifestyle benefits.
moviesspasalonentertainmentwellnessgym
79
Compared Cards
5
Free Options
₹4,492
Average Annual Fee
Lifestyle perks checked for real usability
Ideal for urban spend patterns
Good crossover with premium benefits
TL;DR
Quick Picks for Lifestyle Cards
These picks are designed to answer the most common category decisions first, before you read the full comparison.
Best for Heavy Spenders
Kotak PVR INOX Credit Card
KOTAK
4.2
Rating
Best suited to users who can justify a fee and consistently earn through high monthly spend.
Annual Fee
₹499
Reward Rate
9999.9%
EntertainmentLifestyle
Best Free Option
Axis Bank Burgundy Private - The One Card
AXIS
9.5
Rating
The most defensible no-fee pick if you want category value without renewal cost.
Annual Fee
Free
Reward Rate
20%
TravelLifestyleLuxury
Expert Insights
Lifestyle value is highly personal
This category rewards cards that match your habits precisely, because unused perks drop the effective value quickly.
Perk quality beats perk count
A few recurring benefits with high redemption rates are more valuable than a long list of benefits you rarely touch.
Comparison Table
Compare Fees, Reward Rates, and Ratings
Compare Lifestyle Cards
Sort by fee, rewards, best-fit tags, or editor rating.
Sorted by rating (high to low)
Axis Bank Burgundy Private - The One Card
AXIS
9.5/10
Annual Fee
Free
Reward Rate
20%
Best For
Travel, Lifestyle
Network
Visa
Kotak Infinite Credit Card
KOTAK
8.5/10
Annual Fee
Free
Reward Rate
70%
Best For
Travel, Lifestyle
Network
Visa
Samsung Axis Bank Infinite Credit Card
AXIS
8.5/10
Annual Fee
₹5,000
Reward Rate
20%
Best For
Shopping, Travel
Network
Visa
SBI Card - Tata Croma Card SELECT
SBI
8.5/10
Annual Fee
₹2,999
Reward Rate
100%
Best For
Shopping, Lifestyle
Network
Visa
Axis Bank Magnus Credit Card
AXIS
8.2/10
Annual Fee
₹12,500
Reward Rate
20%
Best For
Travel, Lifestyle
Network
Visa
Axis Bank Signature Credit Card
AXIS
7.8/10
Annual Fee
₹5,000
Reward Rate
20%
Best For
travel, lounge-access
Network
Visa
SBI Card - Tata Star Card SELECT
SBI
7.8/10
Annual Fee
₹2,999
Reward Rate
100%
Best For
Shopping, Groceries
Network
Mastercard
6E Rewards - IndiGo SBI Card
SBI
7.5/10
Annual Fee
₹500
Reward Rate
100%
Best For
travel, lifestyle
Network
Mastercard
Axis Bank Visa Infinite Credit Card
AXIS
7.5/10
Annual Fee
₹30,000
Reward Rate
20%
Best For
travel, lounge-access
Network
Visa
Fabindia SBI Card SELECT
SBI
7.5/10
Annual Fee
₹1,499
Reward Rate
25%
Best For
Shopping, Lifestyle
Network
Visa
SBI Card - Tata Card SELECT
SBI
7.5/10
Annual Fee
₹2,999
Reward Rate
100%
Best For
Shopping, Lifestyle
Network
Visa
Tata Platinum SBI Card
SBI
7.5/10
Annual Fee
₹499
Reward Rate
100%
Best For
shopping, lifestyle
Network
Visa
Adani One ICICI Bank Platinum Credit Card
ICICI
7.2/10
Annual Fee
₹750
Reward Rate
100%
Best For
Travel, Lifestyle
Network
Visa
ICICI Bank Platinum Identity Credit Card
ICICI
7.2/10
Annual Fee
₹750
Reward Rate
25%
Best For
Lifestyle, Travel
Network
Visa
Axis Bank Kwik Credit Card
AXIS
7.0/10
Annual Fee
Free
Reward Rate
20%
Best For
UPI, Rewards
Network
RuPay
ICICI Bank NRI Coral Credit Card
ICICI
7.0/10
Annual Fee
₹500
Reward Rate
25%
Best For
Rewards, Lifestyle
Network
Visa
ICICI Bank HPCL Platinum Credit Card
ICICI
6.5/10
Annual Fee
₹199
Reward Rate
25%
Best For
Fuel, Lifestyle
Network
Visa
HDFC Bank - Infinia Metal
HDFC
4.9/10
Annual Fee
₹12,500
Reward Rate
33%
Best For
Travel, Lifestyle
Network
Visa
HDFC Bank Infinia
HDFC
4.9/10
Annual Fee
₹12,500
Reward Rate
33%
Best For
Travel, Lifestyle
Network
Visa
HDFC Bank Diners Club Black Metal Edition
HDFC
4.8/10
Annual Fee
₹10,000
Reward Rate
30%
Best For
Travel, Lifestyle
Network
Diners Club
Axis Bank Reserve Credit Card
AXIS
4.5/10
Annual Fee
₹50,000
Reward Rate
20%
Best For
Travel, Lifestyle
Network
Visa
Axis Bank Vistara Infinite Credit Card
AXIS
4.5/10
Annual Fee
₹10,000
Reward Rate
100%
Best For
Travel, Premium
Network
Visa
BPCL SBI Card Octane
SBI
4.5/10
Annual Fee
₹1,499
Reward Rate
25%
Best For
Fuel, Dining
Network
Visa
Emirates Skywards ICICI Bank Emeralde Credit Card
ICICI
4.5/10
Annual Fee
₹10,000
Reward Rate
100%
Best For
Travel, Lifestyle
Network
Visa
HDFC Bank H.O.G. Diners Club Credit Card
HDFC
4.5/10
Annual Fee
₹10,000
Reward Rate
100%
Best For
travel, lifestyle
Network
Diners Club
HDFC Bank Marriott Bonvoy Credit Card
HDFC
4.5/10
Annual Fee
₹3,000
Reward Rate
50%
Best For
Travel, Lifestyle
Network
Diners Club
ICICI Bank Emeralde Private Credit Card
ICICI
4.5/10
Annual Fee
₹12,499
Reward Rate
100%
Best For
Travel, Lifestyle
Network
Visa
ICICI Bank Emeralde Private Metal Credit Card
ICICI
4.5/10
Annual Fee
₹12,499
Reward Rate
100%
Best For
Travel, Lifestyle
Network
Mastercard
Kotak Mahindra Bank White Reserve Credit Card
KOTAK
4.5/10
Annual Fee
₹12,500
Reward Rate
70%
Best For
Travel, Lifestyle
Network
Visa
Adani One ICICI Bank Signature Credit Card
ICICI
4.2/10
Annual Fee
₹5,000
Reward Rate
100%
Best For
Travel, Lifestyle
Network
Visa
Axis Bank Select Credit Card
AXIS
4.2/10
Annual Fee
₹3,000
Reward Rate
20%
Best For
Travel, Lifestyle
Network
Visa
City Union Bank SBI Card PRIME
CUB
4.2/10
Annual Fee
₹2,999
Reward Rate
25%
Best For
Lifestyle, Travel
Network
Visa
HDFC Bank Business Regalia
HDFC
4.2/10
Annual Fee
₹2,500
Reward Rate
20%
Best For
Business, Travel
Network
Visa
HDFC Bank Harley-Davidson Diners Club Credit Card
HDFC
4.2/10
Annual Fee
₹2,500
Reward Rate
20%
Best For
Lifestyle, Travel
Network
Diners Club
HDFC Bank Regalia
HDFC
4.2/10
Annual Fee
₹2,500
Reward Rate
20%
Best For
Travel, Lifestyle
Network
Visa
HDFC Bank Regalia Activ
HDFC
4.2/10
Annual Fee
₹2,500
Reward Rate
20%
Best For
Travel, Lifestyle
Network
Visa
HDFC Bank Regalia Gold
HDFC
4.2/10
Annual Fee
₹2,500
Reward Rate
20%
Best For
Travel, Lifestyle
Network
Visa
ICICI Bank Emeralde Credit Card
ICICI
4.2/10
Annual Fee
₹12,000
Reward Rate
25%
Best For
Travel, Lifestyle
Network
Mastercard
ICICI Bank NRI Sapphiro Credit Card
ICICI
4.2/10
Annual Fee
₹3,500
Reward Rate
25%
Best For
Travel, Lifestyle
Network
Mastercard
ICICI Bank Parakram Select Credit Card
ICICI
4.2/10
Annual Fee
Free
Reward Rate
25%
Best For
Lifestyle, Travel
Network
RuPay
ICICI Bank Sapphiro Credit Card
ICICI
4.2/10
Annual Fee
₹3,500
Reward Rate
25%
Best For
Travel, Lifestyle
Network
Visa
ICICI Bank Signature Credit Card
ICICI
4.2/10
Annual Fee
₹2,000
Reward Rate
80%
Best For
Rewards, Lifestyle
Network
Visa
IndiGo SBI Card ELITE
SBI
4.2/10
Annual Fee
₹4,999
Reward Rate
100%
Best For
Travel, Airlines
Network
Mastercard
Kotak PVR INOX Credit Card
Editor's PickKOTAK
4.2/10
Annual Fee
₹499
Reward Rate
9999.9%
Best For
Entertainment, Lifestyle
Network
Visa
Reliance SBI Card PRIME
SBI
4.2/10
Annual Fee
₹2,999
Reward Rate
25%
Best For
Shopping, Travel
Network
RuPay
Shoppers Stop Black HDFC Bank Credit Card
HDFC
4.2/10
Annual Fee
₹4,500
Reward Rate
20%
Best For
Shopping, Travel
Network
Visa
Axis Bank Infinite Credit Card
AXIS
4.0/10
Annual Fee
Free
Reward Rate
20%
Best For
Lifestyle, Travel
Network
Visa
Axis Bank Vistara Signature Credit Card
AXIS
4.0/10
Annual Fee
₹3,000
Reward Rate
25%
Best For
Travel, Lifestyle
Network
Visa
Doctor's SBI Card
SBI
4.0/10
Annual Fee
₹1,499
Reward Rate
25%
Best For
Professional, Travel
Network
Mastercard
ICICI Bank - Times Black ICICI Bank Credit Card
ICICI
4.0/10
Annual Fee
₹20,000
Reward Rate
40%
Best For
Travel, Lifestyle
Network
Visa
ICICI Bank Diamant World Mastercard Credit Card
ICICI
4.0/10
Annual Fee
₹10,000
Reward Rate
25%
Best For
Luxury, Travel
Network
Mastercard
ICICI Bank Emirates Skywards Sapphiro Credit Card
ICICI
4.0/10
Annual Fee
₹5,000
Reward Rate
75%
Best For
Travel, Lifestyle
Network
Visa
Kotak Mahindra Bank White Credit Card
KOTAK
4.0/10
Annual Fee
₹3,000
Reward Rate
N/A
Best For
Travel, Lifestyle
Network
Visa
SBI Card ELITE Advantage
SBI
4.0/10
Annual Fee
₹4,999
Reward Rate
25%
Best For
Lifestyle, Travel
Network
Visa
Titan SBI Card
SBI
4.0/10
Annual Fee
₹2,999
Reward Rate
25%
Best For
Shopping, Lifestyle
Network
Visa
Apollo SBI Card SELECT
SBI
3.8/10
Annual Fee
₹1,499
Reward Rate
50%
Best For
Healthcare, Wellness
Network
Mastercard
Accelero ICICI Bank Credit Card
ICICI
3.5/10
Annual Fee
₹499
Reward Rate
25%
Best For
Automobile, Fuel
Network
Visa
Apollo SBI Card
SBI
3.5/10
Annual Fee
₹499
Reward Rate
50%
Best For
Health & Wellness, Rewards
Network
Mastercard
Axis Bank Shoppers Stop Credit Card
AXIS
3.5/10
Annual Fee
₹500
Reward Rate
50%
Best For
Shopping, Lifestyle
Network
Visa
Axis Bank Vistara Credit Card
AXIS
3.5/10
Annual Fee
₹1,500
Reward Rate
80%
Best For
Travel, Lifestyle
Network
Visa
Chennai Super Kings ICICI Bank Credit Card
ICICI
3.5/10
Annual Fee
₹500
Reward Rate
25%
Best For
Sports, Lifestyle
Network
Mastercard
Fabindia SBI Card
SBI
3.5/10
Annual Fee
₹499
Reward Rate
50%
Best For
Shopping, Lifestyle
Network
Visa
HDFC Bank Regalia First
HDFC
3.5/10
Annual Fee
₹1,000
Reward Rate
30%
Best For
Travel, Lifestyle
Network
Visa
HDFC Bank Times Platinum
HDFC
3.5/10
Annual Fee
₹1,000
Reward Rate
15%
Best For
Entertainment, Dining
Network
Visa
ICICI Bank Ascent American Express Credit Card
ICICI
3.5/10
Annual Fee
₹1,000
Reward Rate
25%
Best For
Rewards, Lifestyle
Network
American Express
ICICI Bank Coral Credit Card
ICICI
3.5/10
Annual Fee
₹500
Reward Rate
25%
Best For
Rewards, Lifestyle
Network
Visa
ICICI Bank Coral Credit Card against Fixed Deposit
ICICI
3.5/10
Annual Fee
₹500
Reward Rate
25%
Best For
Secured, Lifestyle
Network
Visa
ICICI Bank Emirates Skywards Rubyx Credit Card
ICICI
3.5/10
Annual Fee
₹1,000
Reward Rate
100%
Best For
Travel, Airlines
Network
Visa
ICICI Bank Expressions Credit Card
ICICI
3.5/10
Annual Fee
₹499
Reward Rate
25%
Best For
Lifestyle, Rewards
Network
Visa
ICICI Bank HPCL Coral Credit Card
ICICI
3.5/10
Annual Fee
₹199
Reward Rate
25%
Best For
Fuel, Lifestyle
Network
Visa
ICICI Bank HPCL Titanium Credit Card
ICICI
3.5/10
Annual Fee
₹199
Reward Rate
25%
Best For
Fuel, Lifestyle
Network
Mastercard
ICICI Bank Manchester United Signature Credit Card
ICICI
3.5/10
Annual Fee
₹2,499
Reward Rate
25%
Best For
Lifestyle, Travel
Network
Visa
ICICI Bank Rubyx Credit Card against Fixed Deposit
ICICI
3.5/10
Annual Fee
₹2,000
Reward Rate
25%
Best For
lifestyle, travel
Network
Mastercard
MAX SBI Card
SBI
3.5/10
Annual Fee
₹499
Reward Rate
25%
Best For
Shopping, Lifestyle
Network
Visa
Reliance SBI Card
SBI
3.5/10
Annual Fee
₹499
Reward Rate
25%
Best For
Shopping, Rewards
Network
RuPay
SBI Card PRIME
SBI
3.5/10
Annual Fee
₹2,999
Reward Rate
25%
Best For
Rewards, Travel
Network
Visa
SBI Card PRIME Advantage
SBI
3.5/10
Annual Fee
₹2,999
Reward Rate
25%
Best For
Rewards, Lifestyle
Network
Visa
Shoppers Stop HDFC Bank Credit Card
HDFC
3.5/10
Annual Fee
₹299
Reward Rate
20%
Best For
Shopping, Lifestyle
Network
RuPay
HDFC Bank Times Titanium
HDFC
3.0/10
Annual Fee
₹500
Reward Rate
10%
Best For
Dining, Movies
Network
Visa
| Card | Action | ||||
|---|---|---|---|---|---|
| Free | 20% | TravelLifestyleLuxury | 9.5/10 | ||
| Free | 70% | TravelLifestyleGolf | 8.5/10 | ||
| ₹5,000 | 20% | ShoppingTravelLifestyle | 8.5/10 | ||
| ₹2,999 | 100% | ShoppingLifestyleTravel | 8.5/10 | ||
| ₹12,500 | 20% | TravelLifestyleRewards | 8.2/10 | ||
| ₹5,000 | 20% | travellounge-accesslifestyle | 7.8/10 | ||
| ₹2,999 | 100% | ShoppingGroceriesLifestyle | 7.8/10 | ||
| ₹500 | 100% | travellifestyle | 7.5/10 | ||
| ₹30,000 | 20% | travellounge-accesslifestyle | 7.5/10 | ||
| ₹1,499 | 25% | ShoppingLifestyleTravel | 7.5/10 | ||
| ₹2,999 | 100% | ShoppingLifestyleTravel | 7.5/10 | ||
| ₹499 | 100% | shoppinglifestyletravel | 7.5/10 | ||
| ₹750 | 100% | TravelLifestyleRewards | 7.2/10 | ||
| ₹750 | 25% | LifestyleTravelRewards | 7.2/10 | ||
| Free | 20% | UPIRewardsLifestyle | 7.0/10 | ||
| ₹500 | 25% | RewardsLifestyleTravel | 7.0/10 | ||
| ₹199 | 25% | FuelLifestyleDining | 6.5/10 | ||
| ₹12,500 | 33% | TravelLifestyleRewards | 4.9/10 | ||
| ₹12,500 | 33% | TravelLifestyleRewards | 4.9/10 | ||
| ₹10,000 | 30% | TravelLifestyleDining | 4.8/10 | ||
| ₹50,000 | 20% | TravelLifestyleGolf | 4.5/10 | ||
| ₹10,000 | 100% | TravelPremiumLifestyle | 4.5/10 | ||
| ₹1,499 | 25% | FuelDiningGroceries | 4.5/10 | ||
| ₹10,000 | 100% | TravelLifestyleLuxury | 4.5/10 | ||
| ₹10,000 | 100% | travellifestylerewards | 4.5/10 | ||
| ₹3,000 | 50% | TravelLifestyleHotels | 4.5/10 | ||
| ₹12,499 | 100% | TravelLifestyleRewards | 4.5/10 | ||
| ₹12,499 | 100% | TravelLifestyleRewards | 4.5/10 | ||
| ₹12,500 | 70% | TravelLifestyleGolf | 4.5/10 | ||
| ₹5,000 | 100% | TravelLifestyleRewards | 4.2/10 | ||
| ₹3,000 | 20% | TravelLifestyleDining | 4.2/10 | ||
| ₹2,999 | 25% | LifestyleTravelRewards | 4.2/10 | ||
| ₹2,500 | 20% | BusinessTravelLifestyle | 4.2/10 | ||
| ₹2,500 | 20% | LifestyleTravelDining | 4.2/10 | ||
| ₹2,500 | 20% | TravelLifestyleRewards | 4.2/10 | ||
| ₹2,500 | 20% | TravelLifestyleRewards | 4.2/10 | ||
| ₹2,500 | 20% | TravelLifestyleShopping | 4.2/10 | ||
| ₹12,000 | 25% | TravelLifestyleGolf | 4.2/10 | ||
| ₹3,500 | 25% | TravelLifestyleGolf | 4.2/10 | ||
| Free | 25% | LifestyleTravelRewards | 4.2/10 | ||
| ₹3,500 | 25% | TravelLifestyleEntertainment | 4.2/10 | ||
| ₹2,000 | 80% | RewardsLifestyleGolf | 4.2/10 | ||
| ₹4,999 | 100% | TravelAirlinesLifestyle | 4.2/10 | ||
Kotak PVR INOX Credit CardEditor's Pick KOTAK | ₹499 | 9999.9% | EntertainmentLifestyle | 4.2/10 | |
| ₹2,999 | 25% | ShoppingTravelLifestyle | 4.2/10 | ||
| ₹4,500 | 20% | ShoppingTravelLifestyle | 4.2/10 | ||
| Free | 20% | LifestyleTravel | 4.0/10 | ||
| ₹3,000 | 25% | TravelLifestylePremium | 4.0/10 | ||
| ₹1,499 | 25% | ProfessionalTravelLifestyle | 4.0/10 | ||
| ₹20,000 | 40% | TravelLifestyleDining | 4.0/10 | ||
| ₹10,000 | 25% | LuxuryTravelLifestyle | 4.0/10 | ||
| ₹5,000 | 75% | TravelLifestyleRewards | 4.0/10 | ||
| ₹3,000 | N/A | TravelLifestyleRewards | 4.0/10 | ||
| ₹4,999 | 25% | LifestyleTravelMovies | 4.0/10 | ||
| ₹2,999 | 25% | ShoppingLifestyleJewellery | 4.0/10 | ||
| ₹1,499 | 50% | HealthcareWellnessLifestyle | 3.8/10 | ||
| ₹499 | 25% | AutomobileFuelLifestyle | 3.5/10 | ||
| ₹499 | 50% | Health & WellnessRewardsLifestyle | 3.5/10 | ||
| ₹500 | 50% | ShoppingLifestyle | 3.5/10 | ||
| ₹1,500 | 80% | TravelLifestyleDining | 3.5/10 | ||
| ₹500 | 25% | SportsLifestyleEntertainment | 3.5/10 | ||
| ₹499 | 50% | ShoppingLifestyle | 3.5/10 | ||
| ₹1,000 | 30% | TravelLifestyleRewards | 3.5/10 | ||
| ₹1,000 | 15% | EntertainmentDiningLifestyle | 3.5/10 | ||
| ₹1,000 | 25% | RewardsLifestyleTravel | 3.5/10 | ||
| ₹500 | 25% | RewardsLifestyleMovies | 3.5/10 | ||
| ₹500 | 25% | SecuredLifestyleRewards | 3.5/10 | ||
| ₹1,000 | 100% | TravelAirlinesLifestyle | 3.5/10 | ||
| ₹499 | 25% | LifestyleRewardsEntertainment | 3.5/10 | ||
| ₹199 | 25% | FuelLifestyleMovies | 3.5/10 | ||
| ₹199 | 25% | FuelLifestyle | 3.5/10 | ||
| ₹2,499 | 25% | LifestyleTravelEntertainment | 3.5/10 | ||
| ₹2,000 | 25% | lifestyletravelmovies | 3.5/10 | ||
SBI | ₹499 | 25% | ShoppingLifestyleDining | 3.5/10 | |
| ₹499 | 25% | ShoppingRewardsLifestyle | 3.5/10 | ||
| ₹2,999 | 25% | RewardsTravelLifestyle | 3.5/10 | ||
| ₹2,999 | 25% | RewardsLifestyleTravel | 3.5/10 | ||
| ₹299 | 20% | ShoppingLifestyle | 3.5/10 | ||
| ₹500 | 10% | DiningMoviesLifestyle | 3.0/10 |
How to Choose
What Matters Most in Lifestyle Cards
Key factors to compare
- Value of movie, wellness, and entertainment perks
- Partner ecosystem depth
- How much non-lifestyle value the card provides
What to look for
- Benefits you would have paid for anyway
- Strong category alignment with your monthly habits
- A reward or discount structure that remains useful outside a narrow lifestyle list
Common mistakes
- Paying for perks you rarely redeem
- Confusing introductory offers with recurring value
- Ignoring limited partner availability
Expanded Grid
Individual Card Breakdowns
74 paid cards and 5 free cards in this category.
AXIS
Axis Bank Burgundy Private - The One Card
TravelLifestyleLuxury
9.5
Editor Rating
Annual Fee
Free
Reward Rate
20%
Network
Visa
Mini Pros
No annual fee to recover
20% base reward rate
Strong 9.5/10 editor rating
Watchouts
Benefits may be lighter than premium alternatives
KOTAK
Kotak Infinite Credit Card
TravelLifestyleGolf
8.5
Editor Rating
Annual Fee
Free
Reward Rate
70%
Network
Visa
Mini Pros
No annual fee to recover
70% base reward rate
Strong 8.5/10 editor rating
Watchouts
Benefits may be lighter than premium alternatives
AXIS
Samsung Axis Bank Infinite Credit Card
ShoppingTravelLifestyle
8.5
Editor Rating
Annual Fee
₹5,000
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹5,000
20% base reward rate
Strong 8.5/10 editor rating
Watchouts
You need enough yearly value to offset the ₹5,000 fee
SBI
SBI Card - Tata Croma Card SELECT
ShoppingLifestyleTravel
8.5
Editor Rating
Annual Fee
₹2,999
Reward Rate
100%
Network
Visa
Mini Pros
Annual fee of ₹2,999
100% base reward rate
Strong 8.5/10 editor rating
Watchouts
You need enough yearly value to offset the ₹2,999 fee
AXIS
Axis Bank Magnus Credit Card
TravelLifestyleRewards
8.2
Editor Rating
Annual Fee
₹12,500
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹12,500
20% base reward rate
Strong 8.2/10 editor rating
Watchouts
You need enough yearly value to offset the ₹12,500 fee
AXIS
Axis Bank Signature Credit Card
travellounge-accesslifestyle
7.8
Editor Rating
Annual Fee
₹5,000
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹5,000
20% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹5,000 fee
SBI
SBI Card - Tata Star Card SELECT
ShoppingGroceriesLifestyle
7.8
Editor Rating
Annual Fee
₹2,999
Reward Rate
100%
Network
Mastercard
Mini Pros
Annual fee of ₹2,999
100% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹2,999 fee
SBI
6E Rewards - IndiGo SBI Card
travellifestyle
7.5
Editor Rating
Annual Fee
₹500
Reward Rate
100%
Network
Mastercard
Mini Pros
Annual fee of ₹500
100% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹500 fee
AXIS
Axis Bank Visa Infinite Credit Card
travellounge-accesslifestyle
7.5
Editor Rating
Annual Fee
₹30,000
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹30,000
20% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹30,000 fee
SBI
Fabindia SBI Card SELECT
ShoppingLifestyleTravel
7.5
Editor Rating
Annual Fee
₹1,499
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹1,499
25% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹1,499 fee
SBI
SBI Card - Tata Card SELECT
ShoppingLifestyleTravel
7.5
Editor Rating
Annual Fee
₹2,999
Reward Rate
100%
Network
Visa
Mini Pros
Annual fee of ₹2,999
100% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹2,999 fee
SBI
Tata Platinum SBI Card
shoppinglifestyletravel
7.5
Editor Rating
Annual Fee
₹499
Reward Rate
100%
Network
Visa
Mini Pros
Annual fee of ₹499
100% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹499 fee
ICICI
Adani One ICICI Bank Platinum Credit Card
TravelLifestyleRewards
7.2
Editor Rating
Annual Fee
₹750
Reward Rate
100%
Network
Visa
Mini Pros
Annual fee of ₹750
100% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹750 fee
ICICI
ICICI Bank Platinum Identity Credit Card
LifestyleTravelRewards
7.2
Editor Rating
Annual Fee
₹750
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹750
25% base reward rate
Good fit for lifestyle
Watchouts
You need enough yearly value to offset the ₹750 fee
AXIS
Axis Bank Kwik Credit Card
UPIRewardsLifestyle
7.0
Editor Rating
Annual Fee
Free
Reward Rate
20%
Network
RuPay
Mini Pros
No annual fee to recover
20% base reward rate
Good fit for upi
Watchouts
Benefits may be lighter than premium alternatives
ICICI
ICICI Bank NRI Coral Credit Card
RewardsLifestyleTravel
7.0
Editor Rating
Annual Fee
₹500
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹500
25% base reward rate
Good fit for rewards
Watchouts
You need enough yearly value to offset the ₹500 fee
ICICI
ICICI Bank HPCL Platinum Credit Card
FuelLifestyleDining
6.5
Editor Rating
Annual Fee
₹199
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹199
25% base reward rate
Good fit for fuel
Watchouts
You need enough yearly value to offset the ₹199 fee
HDFC
HDFC Bank - Infinia Metal
TravelLifestyleRewards
4.9
Editor Rating
Annual Fee
₹12,500
Reward Rate
33%
Network
Visa
Mini Pros
Annual fee of ₹12,500
33% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹12,500 fee
HDFC
HDFC Bank Infinia
TravelLifestyleRewards
4.9
Editor Rating
Annual Fee
₹12,500
Reward Rate
33%
Network
Visa
Mini Pros
Annual fee of ₹12,500
33% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹12,500 fee
HDFC
HDFC Bank Diners Club Black Metal Edition
TravelLifestyleDining
4.8
Editor Rating
Annual Fee
₹10,000
Reward Rate
30%
Network
Diners Club
Mini Pros
Annual fee of ₹10,000
30% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹10,000 fee
AXIS
Axis Bank Reserve Credit Card
TravelLifestyleGolf
4.5
Editor Rating
Annual Fee
₹50,000
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹50,000
20% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹50,000 fee
AXIS
Axis Bank Vistara Infinite Credit Card
TravelPremiumLifestyle
4.5
Editor Rating
Annual Fee
₹10,000
Reward Rate
100%
Network
Visa
Mini Pros
Annual fee of ₹10,000
100% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹10,000 fee
SBI
BPCL SBI Card Octane
FuelDiningGroceries
4.5
Editor Rating
Annual Fee
₹1,499
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹1,499
25% base reward rate
Good fit for fuel
Watchouts
You need enough yearly value to offset the ₹1,499 fee
ICICI
Emirates Skywards ICICI Bank Emeralde Credit Card
TravelLifestyleLuxury
4.5
Editor Rating
Annual Fee
₹10,000
Reward Rate
100%
Network
Visa
Mini Pros
Annual fee of ₹10,000
100% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹10,000 fee
HDFC
HDFC Bank H.O.G. Diners Club Credit Card
travellifestylerewards
4.5
Editor Rating
Annual Fee
₹10,000
Reward Rate
100%
Network
Diners Club
Mini Pros
Annual fee of ₹10,000
100% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹10,000 fee
HDFC
HDFC Bank Marriott Bonvoy Credit Card
TravelLifestyleHotels
4.5
Editor Rating
Annual Fee
₹3,000
Reward Rate
50%
Network
Diners Club
Mini Pros
Annual fee of ₹3,000
50% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹3,000 fee
ICICI
ICICI Bank Emeralde Private Credit Card
TravelLifestyleRewards
4.5
Editor Rating
Annual Fee
₹12,499
Reward Rate
100%
Network
Visa
Mini Pros
Annual fee of ₹12,499
100% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹12,499 fee
ICICI
ICICI Bank Emeralde Private Metal Credit Card
TravelLifestyleRewards
4.5
Editor Rating
Annual Fee
₹12,499
Reward Rate
100%
Network
Mastercard
Mini Pros
Annual fee of ₹12,499
100% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹12,499 fee
KOTAK
Kotak Mahindra Bank White Reserve Credit Card
TravelLifestyleGolf
4.5
Editor Rating
Annual Fee
₹12,500
Reward Rate
70%
Network
Visa
Mini Pros
Annual fee of ₹12,500
70% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹12,500 fee
ICICI
Adani One ICICI Bank Signature Credit Card
TravelLifestyleRewards
4.2
Editor Rating
Annual Fee
₹5,000
Reward Rate
100%
Network
Visa
Mini Pros
Annual fee of ₹5,000
100% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹5,000 fee
AXIS
Axis Bank Select Credit Card
TravelLifestyleDining
4.2
Editor Rating
Annual Fee
₹3,000
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹3,000
20% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹3,000 fee
CUB
City Union Bank SBI Card PRIME
LifestyleTravelRewards
4.2
Editor Rating
Annual Fee
₹2,999
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹2,999
25% base reward rate
Good fit for lifestyle
Watchouts
You need enough yearly value to offset the ₹2,999 fee
HDFC
HDFC Bank Business Regalia
BusinessTravelLifestyle
4.2
Editor Rating
Annual Fee
₹2,500
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹2,500
20% base reward rate
Good fit for business
Watchouts
You need enough yearly value to offset the ₹2,500 fee
HDFC
HDFC Bank Harley-Davidson Diners Club Credit Card
LifestyleTravelDining
4.2
Editor Rating
Annual Fee
₹2,500
Reward Rate
20%
Network
Diners Club
Mini Pros
Annual fee of ₹2,500
20% base reward rate
Good fit for lifestyle
Watchouts
You need enough yearly value to offset the ₹2,500 fee
HDFC
HDFC Bank Regalia
TravelLifestyleRewards
4.2
Editor Rating
Annual Fee
₹2,500
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹2,500
20% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹2,500 fee
HDFC
HDFC Bank Regalia Activ
TravelLifestyleRewards
4.2
Editor Rating
Annual Fee
₹2,500
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹2,500
20% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹2,500 fee
HDFC
HDFC Bank Regalia Gold
TravelLifestyleShopping
4.2
Editor Rating
Annual Fee
₹2,500
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹2,500
20% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹2,500 fee
ICICI
ICICI Bank Emeralde Credit Card
TravelLifestyleGolf
4.2
Editor Rating
Annual Fee
₹12,000
Reward Rate
25%
Network
Mastercard
Mini Pros
Annual fee of ₹12,000
25% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹12,000 fee
ICICI
ICICI Bank NRI Sapphiro Credit Card
TravelLifestyleGolf
4.2
Editor Rating
Annual Fee
₹3,500
Reward Rate
25%
Network
Mastercard
Mini Pros
Annual fee of ₹3,500
25% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹3,500 fee
ICICI
ICICI Bank Parakram Select Credit Card
LifestyleTravelRewards
4.2
Editor Rating
Annual Fee
Free
Reward Rate
25%
Network
RuPay
Mini Pros
No annual fee to recover
25% base reward rate
Good fit for lifestyle
Watchouts
Benefits may be lighter than premium alternatives
ICICI
ICICI Bank Sapphiro Credit Card
TravelLifestyleEntertainment
4.2
Editor Rating
Annual Fee
₹3,500
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹3,500
25% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹3,500 fee
ICICI
ICICI Bank Signature Credit Card
RewardsLifestyleGolf
4.2
Editor Rating
Annual Fee
₹2,000
Reward Rate
80%
Network
Visa
Mini Pros
Annual fee of ₹2,000
80% base reward rate
Good fit for rewards
Watchouts
You need enough yearly value to offset the ₹2,000 fee
SBI
IndiGo SBI Card ELITE
TravelAirlinesLifestyle
4.2
Editor Rating
Annual Fee
₹4,999
Reward Rate
100%
Network
Mastercard
Mini Pros
Annual fee of ₹4,999
100% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹4,999 fee
KOTAK
Kotak PVR INOX Credit Card
EntertainmentLifestyle
4.2
Editor Rating
Annual Fee
₹499
Reward Rate
9999.9%
Network
Visa
Mini Pros
Annual fee of ₹499
9999.9% base reward rate
Good fit for entertainment
Watchouts
You need enough yearly value to offset the ₹499 fee
SBI
Reliance SBI Card PRIME
ShoppingTravelLifestyle
4.2
Editor Rating
Annual Fee
₹2,999
Reward Rate
25%
Network
RuPay
Mini Pros
Annual fee of ₹2,999
25% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹2,999 fee
HDFC
Shoppers Stop Black HDFC Bank Credit Card
ShoppingTravelLifestyle
4.2
Editor Rating
Annual Fee
₹4,500
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹4,500
20% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹4,500 fee
AXIS
Axis Bank Infinite Credit Card
LifestyleTravel
4.0
Editor Rating
Annual Fee
Free
Reward Rate
20%
Network
Visa
Mini Pros
No annual fee to recover
20% base reward rate
Good fit for lifestyle
Watchouts
Benefits may be lighter than premium alternatives
AXIS
Axis Bank Vistara Signature Credit Card
TravelLifestylePremium
4.0
Editor Rating
Annual Fee
₹3,000
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹3,000
25% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹3,000 fee
SBI
Doctor's SBI Card
ProfessionalTravelLifestyle
4.0
Editor Rating
Annual Fee
₹1,499
Reward Rate
25%
Network
Mastercard
Mini Pros
Annual fee of ₹1,499
25% base reward rate
Good fit for professional
Watchouts
You need enough yearly value to offset the ₹1,499 fee
ICICI
ICICI Bank - Times Black ICICI Bank Credit Card
TravelLifestyleDining
4.0
Editor Rating
Annual Fee
₹20,000
Reward Rate
40%
Network
Visa
Mini Pros
Annual fee of ₹20,000
40% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹20,000 fee
ICICI
ICICI Bank Diamant World Mastercard Credit Card
LuxuryTravelLifestyle
4.0
Editor Rating
Annual Fee
₹10,000
Reward Rate
25%
Network
Mastercard
Mini Pros
Annual fee of ₹10,000
25% base reward rate
Good fit for luxury
Watchouts
You need enough yearly value to offset the ₹10,000 fee
ICICI
ICICI Bank Emirates Skywards Sapphiro Credit Card
TravelLifestyleRewards
4.0
Editor Rating
Annual Fee
₹5,000
Reward Rate
75%
Network
Visa
Mini Pros
Annual fee of ₹5,000
75% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹5,000 fee
KOTAK
Kotak Mahindra Bank White Credit Card
TravelLifestyleRewards
4.0
Editor Rating
Annual Fee
₹3,000
Reward Rate
N/A
Network
Visa
Mini Pros
Annual fee of ₹3,000
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹3,000 fee
Best value depends on category-specific perks rather than flat rewards
SBI
SBI Card ELITE Advantage
LifestyleTravelMovies
4.0
Editor Rating
Annual Fee
₹4,999
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹4,999
25% base reward rate
Good fit for lifestyle
Watchouts
You need enough yearly value to offset the ₹4,999 fee
SBI
Titan SBI Card
ShoppingLifestyleJewellery
4.0
Editor Rating
Annual Fee
₹2,999
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹2,999
25% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹2,999 fee
SBI
Apollo SBI Card SELECT
HealthcareWellnessLifestyle
3.8
Editor Rating
Annual Fee
₹1,499
Reward Rate
50%
Network
Mastercard
Mini Pros
Annual fee of ₹1,499
50% base reward rate
Good fit for healthcare
Watchouts
You need enough yearly value to offset the ₹1,499 fee
ICICI
Accelero ICICI Bank Credit Card
AutomobileFuelLifestyle
3.5
Editor Rating
Annual Fee
₹499
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹499
25% base reward rate
Good fit for automobile
Watchouts
You need enough yearly value to offset the ₹499 fee
SBI
Apollo SBI Card
Health & WellnessRewardsLifestyle
3.5
Editor Rating
Annual Fee
₹499
Reward Rate
50%
Network
Mastercard
Mini Pros
Annual fee of ₹499
50% base reward rate
Good fit for health & wellness
Watchouts
You need enough yearly value to offset the ₹499 fee
AXIS
Axis Bank Shoppers Stop Credit Card
ShoppingLifestyle
3.5
Editor Rating
Annual Fee
₹500
Reward Rate
50%
Network
Visa
Mini Pros
Annual fee of ₹500
50% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹500 fee
AXIS
Axis Bank Vistara Credit Card
TravelLifestyleDining
3.5
Editor Rating
Annual Fee
₹1,500
Reward Rate
80%
Network
Visa
Mini Pros
Annual fee of ₹1,500
80% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹1,500 fee
ICICI
Chennai Super Kings ICICI Bank Credit Card
SportsLifestyleEntertainment
3.5
Editor Rating
Annual Fee
₹500
Reward Rate
25%
Network
Mastercard
Mini Pros
Annual fee of ₹500
25% base reward rate
Good fit for sports
Watchouts
You need enough yearly value to offset the ₹500 fee
SBI
Fabindia SBI Card
ShoppingLifestyle
3.5
Editor Rating
Annual Fee
₹499
Reward Rate
50%
Network
Visa
Mini Pros
Annual fee of ₹499
50% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹499 fee
HDFC
HDFC Bank Regalia First
TravelLifestyleRewards
3.5
Editor Rating
Annual Fee
₹1,000
Reward Rate
30%
Network
Visa
Mini Pros
Annual fee of ₹1,000
30% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹1,000 fee
HDFC
HDFC Bank Times Platinum
EntertainmentDiningLifestyle
3.5
Editor Rating
Annual Fee
₹1,000
Reward Rate
15%
Network
Visa
Mini Pros
Annual fee of ₹1,000
15% base reward rate
Good fit for entertainment
Watchouts
You need enough yearly value to offset the ₹1,000 fee
ICICI
ICICI Bank Ascent American Express Credit Card
RewardsLifestyleTravel
3.5
Editor Rating
Annual Fee
₹1,000
Reward Rate
25%
Network
American Express
Mini Pros
Annual fee of ₹1,000
25% base reward rate
Good fit for rewards
Watchouts
You need enough yearly value to offset the ₹1,000 fee
ICICI
ICICI Bank Coral Credit Card
RewardsLifestyleMovies
3.5
Editor Rating
Annual Fee
₹500
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹500
25% base reward rate
Good fit for rewards
Watchouts
You need enough yearly value to offset the ₹500 fee
ICICI
ICICI Bank Coral Credit Card against Fixed Deposit
SecuredLifestyleRewards
3.5
Editor Rating
Annual Fee
₹500
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹500
25% base reward rate
Good fit for secured
Watchouts
You need enough yearly value to offset the ₹500 fee
ICICI
ICICI Bank Emirates Skywards Rubyx Credit Card
TravelAirlinesLifestyle
3.5
Editor Rating
Annual Fee
₹1,000
Reward Rate
100%
Network
Visa
Mini Pros
Annual fee of ₹1,000
100% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹1,000 fee
ICICI
ICICI Bank Expressions Credit Card
LifestyleRewardsEntertainment
3.5
Editor Rating
Annual Fee
₹499
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹499
25% base reward rate
Good fit for lifestyle
Watchouts
You need enough yearly value to offset the ₹499 fee
ICICI
ICICI Bank HPCL Coral Credit Card
FuelLifestyleMovies
3.5
Editor Rating
Annual Fee
₹199
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹199
25% base reward rate
Good fit for fuel
Watchouts
You need enough yearly value to offset the ₹199 fee
ICICI
ICICI Bank HPCL Titanium Credit Card
FuelLifestyle
3.5
Editor Rating
Annual Fee
₹199
Reward Rate
25%
Network
Mastercard
Mini Pros
Annual fee of ₹199
25% base reward rate
Good fit for fuel
Watchouts
You need enough yearly value to offset the ₹199 fee
ICICI
ICICI Bank Manchester United Signature Credit Card
LifestyleTravelEntertainment
3.5
Editor Rating
Annual Fee
₹2,499
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹2,499
25% base reward rate
Good fit for lifestyle
Watchouts
You need enough yearly value to offset the ₹2,499 fee
ICICI
ICICI Bank Rubyx Credit Card against Fixed Deposit
lifestyletravelmovies
3.5
Editor Rating
Annual Fee
₹2,000
Reward Rate
25%
Network
Mastercard
Mini Pros
Annual fee of ₹2,000
25% base reward rate
Good fit for lifestyle
Watchouts
You need enough yearly value to offset the ₹2,000 fee
SBI
MAX SBI Card
ShoppingLifestyleDining
3.5
Editor Rating
Annual Fee
₹499
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹499
25% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹499 fee
SBI
Reliance SBI Card
ShoppingRewardsLifestyle
3.5
Editor Rating
Annual Fee
₹499
Reward Rate
25%
Network
RuPay
Mini Pros
Annual fee of ₹499
25% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹499 fee
SBI
SBI Card PRIME
RewardsTravelLifestyle
3.5
Editor Rating
Annual Fee
₹2,999
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹2,999
25% base reward rate
Good fit for rewards
Watchouts
You need enough yearly value to offset the ₹2,999 fee
SBI
SBI Card PRIME Advantage
RewardsLifestyleTravel
3.5
Editor Rating
Annual Fee
₹2,999
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹2,999
25% base reward rate
Good fit for rewards
Watchouts
You need enough yearly value to offset the ₹2,999 fee
HDFC
Shoppers Stop HDFC Bank Credit Card
ShoppingLifestyle
3.5
Editor Rating
Annual Fee
₹299
Reward Rate
20%
Network
RuPay
Mini Pros
Annual fee of ₹299
20% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹299 fee
HDFC
HDFC Bank Times Titanium
DiningMoviesLifestyle
3.0
Editor Rating
Annual Fee
₹500
Reward Rate
10%
Network
Visa
Mini Pros
Annual fee of ₹500
10% base reward rate
Good fit for dining
Watchouts
You need enough yearly value to offset the ₹500 fee
FAQ
Common Questions About Lifestyle Cards
What are the new reward redemption limits for HDFC lifestyle cards in 2026?
Effective February 1, 2026, HDFC has capped reward point redemptions at a maximum of five times per month. Additionally, redemptions for flights and hotels via SmartBuy are capped at 75,000 points per month for Diners variants.
Can I get the ICICI Rubyx card without income proof?
Yes, the ICICI Rubyx 'Against Fixed Deposit' variant allows you to get the card by opening a fixed deposit of at least ₹75,000 for a minimum tenure of 180 days.
Does the HDFC H.O.G. Diners Club card offer lounge access?
Yes, it provides unlimited complimentary access to over 1,000 airport lounges globally for both primary and add-on members, though specific spend-based criteria may apply for certain variants in 2026.