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Best Lifestyle in India 2026

Compare the best lifestyle in India. 15 cards ranked by our experts.

Showing 15 cards

Best for: Frequent travellers who value unlimited lounge access, high reward rates via SmartBuy, and premium lifestyle benefits including golf and complimentary subscriptions.
HDFC Diners Club Black

HDFC Diners Club Black

3.7 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹10,000

#80

Rewards rate

₹1.67 - ₹10.84/₹100

#6

Joining fee

₹10,000

#78

Interest rate

23.88%

#1
Card details
Forex Markup
2.00% #7
Domestic Lounge
Unlimited #1
International Lounge
Unlimited #1
Min Credit Score
750+ #50
Categories Dining, Lifestyle, Lounge Access, Premium, Rewards, Shopping, Travel
View full details
CardNitty's take

Pros

  • Unlimited domestic and international airport lounge access
  • 10X reward points on SmartBuy portal with Rs. 1/point value
  • Complimentary memberships: Amazon Prime, Club Marriott, Times Prime, MMT Black
  • 6 complimentary golf games per quarter worldwide
  • Rs. 2 crore air accident cover and Rs. 50 lakh emergency medical
  • Low forex markup of 2% + GST

Cons

  • High annual fee of Rs. 10,000 + GST
  • Limited Diners Club network acceptance in some countries
  • Reward points capped on utility, grocery, and insurance categories
  • No reward points on fuel, wallets, rent, and EMI
Read full review
Best for: Frequent travelers, dining enthusiasts, and high spenders looking for 3.33% base reward rate, unlimited lounge access, and complimentary golf.
HDFC Diners Club Black Metal Edition

HDFC Diners Club Black Metal Edition

3.6 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹10,000

#80

Rewards rate

₹3.33/₹100

#1

Joining fee

₹10,000

#78

Interest rate

23.88%

#1
Card details
Forex Markup
2.00% #7
Domestic Lounge
Unlimited #1
International Lounge
Unlimited #1
Min Credit Score
750+ #50
Categories Dining, Lifestyle, Lounge Access, Premium, Rewards, Travel
View full details
CardNitty's take

Pros

  • Excellent 3.33% base reward rate on all spends
  • Unlimited airport lounge access for primary and add-on cardholders
  • 10X reward points on SmartBuy hotel bookings
  • 6 complimentary golf games per quarter
  • Rs 2 crore air accident insurance
  • 24x7 global concierge service
  • Reward points worth Rs 1 each on SmartBuy

Cons

  • Diners Club network has limited offline acceptance in India
  • No fuel surcharge waiver on the Metal Edition
  • High annual fee of Rs 10,000 + GST
  • Renewal fee waiver requires Rs 8 lakh annual spend
Read full review
Best for: Frequent travelers seeking lounge access, SmartBuy shoppers wanting accelerated rewards, and those who value travel insurance and low forex markup.
HDFC Regalia

HDFC Regalia

3.7 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹2,500

#61

Rewards rate

₹1.33 - ₹7.33/₹100

#7

Joining fee

₹2,500

#59

Interest rate

45.00%

#37
Card details
Forex Markup
2.00% #7
Domestic Lounge
8/year #19
Min Credit Score
730+ #46
Categories Lifestyle, Lounge Access, Premium, Rewards, Travel
View full details
CardNitty's take

Pros

  • Strong 2.67% base reward rate at best redemption
  • Up to 10x accelerated rewards via SmartBuy
  • Rs 1 crore air accident + Rs 15L medical cover
  • 8 domestic + 6 international lounge visits/year
  • Low 2% forex markup
  • Fee waiver on Rs 3L annual spend

Cons

  • Many categories excluded from earning points
  • Points expire after 2 years
  • Domestic lounge requires Rs 1L quarterly spend
  • SmartBuy accelerated rewards capped at 4,000 pts/month
  • Rs 99 redemption fee per request
Read full review
Best for: Frequent travelers and high-spenders who want premium lounge access, milestone rewards, and low forex markup at an affordable Rs. 2,500 annual fee.
HDFC Regalia Gold

HDFC Regalia Gold

3.5 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹2,500

#61

Rewards rate

₹1.33 - ₹5.83/₹100

#28

Joining fee

₹2,500

#59

Interest rate

45.00%

#37
Card details
Forex Markup
2.00% #7
Domestic Lounge
12/year #14
International Lounge
6/year #14
Min Credit Score
750+ #50
Categories Lifestyle, Lounge Access
View full details
CardNitty's take

Pros

  • 12 complimentary domestic + 6 international lounge visits
  • Low 2% forex markup (vs 3.5% industry standard)
  • Excellent milestone rewards - up to Rs. 11,500 annually
  • Best-in-class point value at Rs. 0.65 via Gold Catalogue

Cons

  • High Rs. 4 Lakh spend required for fee waiver
  • No reward points on fuel, rent, and wallet loading
  • 50,000 monthly cap on reward earning and redemption
Read full review
Best for: Dining enthusiasts, SmartBuy shoppers, and domestic travellers seeking a well-rounded rewards card with quarterly milestone vouchers and lounge access at a moderate annual fee.
HDFC Diners Club Privilege

HDFC Diners Club Privilege

3.6 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹1,000

#45

Rewards rate

₹1.33 - ₹9.16/₹100

#7

Joining fee

₹1,000

#43

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Domestic Lounge
2/year #48
International Lounge
2/year #19
Min Credit Score
750+ #50
Categories Dining, Lifestyle, Lounge Access, Rewards
View full details
CardNitty's take

Pros

  • Up to 10X reward points on SmartBuy partners with 13.3% effective reward rate
  • 5X accelerated rewards on Swiggy and Zomato dining orders
  • 8 complimentary airport lounge visits per year across 1000+ lounges worldwide
  • Quarterly milestone voucher of Rs 1,500 on Rs 1.5 lakh spend
  • Comprehensive insurance cover including Rs 1 Cr air accident and Rs 25 Lakh medical
  • BookMyShow Buy 1 Get 1 Free on weekend movie tickets

Cons

  • Limited merchant acceptance due to Diners Club network compared to Visa/Mastercard
  • High forex markup of 3.5% plus GST makes it poor for international spends
  • No fuel surcharge waiver and fuel transactions earn zero reward points
  • Lounge access requires Rs 15,000 spend in previous quarter
Read full review
Best for: Frequent diners and grocery shoppers who spend Rs. 5-10 lakh annually and value movie tickets, lounge access, and low forex markup
SBI Card Elite

SBI Card Elite

3.1 CardNitty rating
APPLY NOW on SBI Cards's website

Annual fee

₹4,999

#73

Rewards rate

₹0.50 - ₹1.00/₹100

#63

Joining fee

₹4,999

#71

Interest rate

45.00%

#37
Card details
Forex Markup
1.99% #3
Domestic Lounge
8/year #19
Min Credit Score
750+ #50
Categories Dining, Lifestyle, Lounge Access, Premium, Rewards
View full details
CardNitty's take

Pros

  • Free movie tickets worth Rs. 6,000/year
  • Up to 50,000 bonus milestone points/year worth Rs. 12,500
  • 5X rewards on dining, grocery and departmental stores
  • 6 international + 8 domestic lounge visits/year
  • Low 1.99% forex markup
  • Fee waiver on Rs. 10 lakh spend

Cons

  • Low base reward rate of 0.5%
  • 5X reward points capped at 10,000/month
  • High annual fee of Rs. 4,999
  • Air accident insurance discontinued
  • Reward redemption value only Rs. 0.25/point
Read full review
Best for: Individuals seeking an affordable rewards credit card with dining benefits, insurance coverage, and milestone bonus points at a low annual fee of Rs 1,000.
HDFC Regalia First

HDFC Regalia First

3.2 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹1,000

#45

Rewards rate

₹0.60 - ₹2.00/₹100

#68

Joining fee

₹1,000

#43

Interest rate

45.00%

#37
Card details
Forex Markup
2.00% #7
Min Credit Score
700+ #3
Categories Dining, Lifestyle, Rewards
View full details
CardNitty's take

Pros

  • Low annual fee of Rs 1,000 waivable on Rs 1L spend
  • Generous milestone bonuses up to Rs 2,250 per year
  • Up to 20% dining savings via Swiggy Dineout
  • Rs 1 Crore air accident insurance cover
  • Fuel surcharge waiver on all fuel stations

Cons

  • Airport lounge access discontinued since Dec 2023
  • Low base reward rate (0.6% effective)
  • Grocery and utility reward points capped at 2,000/month
  • High forex markup of 2%
Read full review
Best for: Frequent Marriott hotel guests who want to earn free night stays, Silver Elite status, and maximize hotel rewards at an affordable annual fee.
Marriott Bonvoy HDFC Bank

Marriott Bonvoy HDFC Bank

3.3 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹3,000

#71

Rewards rate

₹0.67 - ₹2.67/₹100

#62

Joining fee

₹3,000

#69

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Domestic Lounge
12/year #14
International Lounge
12/year #10
Min Credit Score
720+ #42
Categories Co-Branded, Lifestyle, Lounge Access, Travel
View full details
CardNitty's take

Pros

  • Affordable joining and annual fee of Rs. 3,000 + GST with excellent value
  • Up to 4 Free Night Awards per year including welcome and milestones
  • Complimentary Marriott Bonvoy Silver Elite Status with priority late checkout
  • 12 domestic and 12 international airport lounge visits per year
  • 8 complimentary golf rounds and lessons per year via Diners Club

Cons

  • Diners Club network has limited acceptance at many merchants in India and internationally
  • No annual fee waiver option based on spending
  • Reward rates on non-hotel spends are relatively low at 0.67% to 1.33%
  • Forex markup of 3.5% makes it expensive for international transactions
Read full review
Best for: Self-employed business professionals seeking lounge access, reward points on business expenses, and 24x7 concierge services with a manageable annual fee.
HDFC Business Regalia

HDFC Business Regalia

3.2 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹2,500

#61

Rewards rate

₹1.33/₹100

#72

Joining fee

₹2,500

#59

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Domestic Lounge
8/year #19
Min Credit Score
730+ #46
Categories Business, Lifestyle, Lounge Access, Premium, Rewards
View full details
CardNitty's take

Pros

  • Strong reward rate of 4 RPs per Rs. 150 including insurance and utility spends
  • 8 domestic + 6 international lounge visits per year via Priority Pass
  • 24x7 concierge services for travel and entertainment
  • Annual fee waiver on Rs. 3 Lakh spend
  • Milestone bonus of up to 15,000 reward points annually

Cons

  • High forex markup of 3.5% makes it poor for international spending
  • Insurance benefits reportedly discontinued from April 2025
  • Domestic lounge access now requires Rs. 1 Lakh quarterly spend
  • No welcome benefits currently offered
Read full review
Best for: Health-conscious individuals spending on pharmacy, dining, sports and movies. Ideal with FITPASS PRO, Netmeds First memberships and domestic lounge access.
SBI Card Pulse

SBI Card Pulse

3.2 CardNitty rating
APPLY NOW on SBI Cards's website

Annual fee

₹1,499

#54

Rewards rate

₹0.25 - ₹2.50/₹100

#63

Joining fee

₹1,499

#52

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Domestic Lounge
4/year #38
Min Credit Score
750+ #50
Categories Lifestyle, Lounge Access, Rewards
View full details
CardNitty's take

Pros

  • Excellent 10X rewards (2.5%) on health, dining, sports and movies
  • Complimentary FITPASS PRO and Netmeds First memberships renewed annually
  • Welcome gift worth Rs. 7,999 (Noise smartwatch)
  • 4 domestic lounge visits per year
  • Comprehensive travel insurance coverage
  • Renewal fee waiver on Rs. 2L annual spend

Cons

  • High forex markup of 3.5%
  • Low base reward rate of only 0.5% on non-category spends
  • No complimentary international lounge visits
  • Reward points expire in 24 months
Read full review
Best for: Frequent travelers seeking 1:1 airline and hotel point transfers with instant redemption, travel marketplace accelerated rewards, and complimentary lounge access.
HSBC TravelOne

HSBC TravelOne

3.4 CardNitty rating
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Annual fee

₹4,999

#73

Rewards rate

₹2.00 - ₹14.50/₹100

#5

Joining fee

₹4,999

#71

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Domestic Lounge
6/year #35
International Lounge
4/year #17
Min Credit Score
750+ #50
Categories Lifestyle, Lounge Access, Rewards, Travel
View full details
CardNitty's take

Pros

  • Extensive 1:1 airline and hotel transfer partners (20+)
  • Accelerated rewards up to 24% via HSBC Rewards Marketplace
  • Instant point transfers via HSBC mobile app
  • 10 complimentary lounge visits per year (no min spend)
  • Golf access with 4 rounds + 12 lessons annually
  • Annual fee waiver on Rs. 8 lakh spend

Cons

  • High 3.5% forex markup negates international spend rewards
  • Many excluded categories (fuel, utilities, insurance, education)
  • Limited city availability for applications
  • Welcome benefits require app download + Rs. 10K spend in 30 days
Read full review
Best for: Frequent travellers who want complimentary global lounge access, low forex markup, and solid reward points on everyday spends.
HDFC Diners Club Premium

HDFC Diners Club Premium

3.8 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹2,500

#61

Rewards rate

₹9.16/₹100

#7

Joining fee

₹2,500

#59

Interest rate

43.20%

#19
Card details
Forex Markup
2.00% #7
Domestic Lounge
6/year #35
International Lounge
6/year #14
Min Credit Score
750+ #50
Categories Lifestyle, Lounge Access, Rewards, Travel
View full details
CardNitty's take

Pros

  • Low 2% forex markup on foreign currency transactions
  • 6 complimentary lounge visits at 1000+ global airports
  • Rs 1 Crore air accident insurance cover
  • 10X reward points on international spends
  • Renewal fee waiver on Rs 3 lakh annual spend

Cons

  • Limited Diners Club network acceptance in India
  • No dining or entertainment offers
  • Reward rate of 1.3% is average for this fee range
  • Card sourcing has been stopped for new applications
Read full review
Best for: Women looking for an affordable credit card with accelerated rewards on grocery and dining spends
HDFC Solitaire

HDFC Solitaire

3.1 CardNitty rating
APPLY NOW on HDFC Bank's website

Annual fee

₹500

#21

Rewards rate

₹0.40 - ₹0.53/₹100

#89

Joining fee

₹500

#21

Interest rate

43.20%

#19
Card details
Forex Markup
3.50% #27
Min Credit Score
700+ #3
Categories Entry Level, Lifestyle, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Accelerated 50% extra reward points on grocery and dining
  • Shoppers Stop vouchers worth up to Rs. 2,000 per year on milestone spends
  • Low annual fee of Rs. 500 with spend-based waiver at Rs. 50,000
  • 1% fuel surcharge waiver on transactions Rs. 400 to Rs. 5,000
  • Zero liability protection on fraudulent transactions

Cons

  • No lounge access or travel benefits
  • Low reward point redemption value (Re. 0.20 per point)
  • No welcome bonus of monetary value
  • Foreign currency markup of 3.5% is on the higher side
  • Rs. 99 fee charged per reward redemption request
Read full review
Best for: High-net-worth individuals with FUM Rs. 50L+, frequent travelers, golf enthusiasts, premium dining lovers, Priority Banking customers
Standard Chartered Beyond

Standard Chartered Beyond

3.2 CardNitty rating
APPLY NOW on Standard Chartered Bank's website Rates & Fees

Annual fee

₹25,000

#86

Rewards rate

₹2.00 - ₹3.33/₹100

#52

Joining fee

₹15,000

#84

Interest rate

N/A

Card details
Forex Markup
2.00% #7
Domestic Lounge
Unlimited #1
International Lounge
Unlimited #1
Min Credit Score
750+ #50
Categories Dining, Lifestyle, Lounge Access, Premium, Rewards, Travel
View full details
CardNitty's take

Pros

  • Unlimited domestic & international lounge access with 8 guest visits
  • 3.33% reward rate (Rs. 1 per point)
  • Rs. 15,000 welcome vouchers
  • 2 complimentary golf games per month
  • 25% dining discount via EazyDiner
  • BOGO movie tickets on BookMyShow
  • Low 2% forex markup
  • 15% duty-free cashback
  • Rs. 60,000 milestone on Rs. 20L spend

Cons

  • High FUM requirement (Rs. 50L+)
  • High annual fee (Rs. 25,000)
  • Limited to Priority Banking customers
  • Reduced rate on utilities/insurance (2%)
Read full review
Best for: Medical professionals (allopathy doctors) who travel frequently, make medical supply purchases, and want professional indemnity insurance coverage included with their credit card.
Doctor's SBI Card

Doctor's SBI Card

3.4 CardNitty rating
APPLY NOW on SBI Cards's website

Annual fee

₹1,499

#54

Rewards rate

₹0.25 - ₹1.25/₹100

#75

Joining fee

₹1,499

#52

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Domestic Lounge
8/year #19
Min Credit Score
700+ #3
Categories Lifestyle, Lounge Access, Rewards, Travel
View full details
CardNitty's take

Pros

  • Unique Rs. 20 Lakh Professional Indemnity Insurance at no extra cost
  • 5X rewards on medical supplies, travel, and international spends (1.25% reward rate)
  • 12 airport lounge visits per year (8 domestic + 4 international Priority Pass)
  • Complimentary Priority Pass membership worth $99
  • Renewal fee waived on Rs. 2 Lakh annual spend
  • Visa Signature privileges including 24x7 concierge and luxury hotel benefits

Cons

  • Low base reward rate of 0.25% on general spends
  • High forex markup of 3.5% despite 5X on international spends
  • Reward points value is only Rs. 0.25 per point
  • 7,500 reward point monthly cap on accelerated categories
  • Not available for non-allopathy doctors
Read full review

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