Best Lifestyle Credit Cards for Middle Class in India (2026) – Free Calculator
Instant results, no signup. Compare cashback on shopping, dining, fuel & entertainment—find your best card in seconds.
100% private · No signup · Instant comparison
Find My Best Card NowYour Monthly Spends (₹)
Adjust sliders or type amounts. Results update instantly.
Disclaimer: Apply Now and other links to card issuers may be affiliate links. We may earn a commission when you apply, at no extra cost to you. Our comparison and ranking are independent and based on your entered spends.
Top Card for You: Axis Neo RupayYou save 5.6%
Your best lifestyle cards by net savings
Higher is better. Updates as you change spends.
Fee waived at ₹100K spend: HDFC Millennia, SBI SimplyCLICK. Fee waived at ₹200K spend: SBI Cashback
Axis Neo Rupay
- Annual fee
- Lifetime free
- Rewards
- ₹13,740
- Net savings
- ₹13,740
- You save
- 5.6% of spends
- Best for
- Blinkit, Myntra, Zomato, BookMyShow, dining
About this card
About Axis Neo Rupay Credit Card • Enjoy up to Rs 10,000 Instant discount along with 6-month No Cost EMI on Apple purchases. Offer valid from 1st January to 31st March 2026 (Valid on authorized Apple reseller stores and online) • Lifetime free (No Joining/Annual fees) • Enjoy the flexibility to choose from multiple networks including Visa, MasterCard, and RuPay • Get 10% off on Blinkit (up to Rs 250 per month), 10% off on BookMyShow movie tickets (up to Rs 100 per month), and Rs 150 off on Myntra on spends above Rs 999 • 5% off on Mobile recharge/Broadband Payment/DTH recharge up to Rs 150 via Paytm applicable once a month on a minimum transaction of Rs 299* • Get Rs 120 off on food delivery via Zomato twice per month on orders above Rs 499 • 100% Cashback up to Rs 300 on first utility bill payment within first 30 days of card issuance • Enjoy Weekly Wednesday Delights with 15% off on flights/hotels via MakeMyTrip, 10% off on Swiggy, and up to Rs 1,000 off on Tira • Exclusive savings and dining privileges at partner restaurants through Axis Bank Dining Delights program Fees & charges: Joining Fee Nil, Annual Fee Nil
HDFC Millennia
- Annual fee
- ₹1000 (waived on ₹100K spend)
- Rewards
- ₹7,260
- Net savings
- ₹7,260
- You save
- 3.0% of spends
- Best for
- Amazon, Flipkart, Swiggy, Zomato, Myntra, BookMyShow & more
About this card
About HDFC Millennia Credit Card • Get 5% cashback on non-EMI spends at Amazon, Flipkart, Swiggy, Zomato, Uber, Myntra, Sony LIV, Tata CLiQ, BookMyShow & Cult.fit. Capped at up to Rs 1,000 per billing cycle • Get 1% cashback on all Other Spends excluding Fuel, EMI, Wallet, Rent payments, Govt related txns, capped at up to Rs 1,000 per billing cycle • Get 10% additional discount on Swiggy Dineout using coupon code HDFCCARDS • Rs 1000 worth gift vouchers on spends of Rs 1,00,000 and above in each calendar quarter • 1% Fuel Surcharge waiver on fuel transactions on transaction done between Rs 400 - Rs 5,000 & maximum waiver of Rs 250 per statement cycle • Up to 50 days of interest free period on your HDFC Bank Millennia Credit Card Fees & List of Charges • Joining Fee: Rs 1000 + GST • Annual Fee: Rs 1000 + GST • The Annual Fee is waived, if you spend Rs 1,00,000 or more in a year, before your card renewal date
ICICI Amazon Pay
- Annual fee
- Lifetime free
- Rewards
- ₹7,080
- Net savings
- ₹7,080
- You save
- 2.9% of spends
- Best for
- Amazon & everyday spends
SBI SimplyCLICK
- Annual fee
- ₹499 (waived on ₹100K spend)
- Rewards
- ₹6,480
- Net savings
- ₹6,480
- You save
- 2.6% of spends
- Best for
- Amazon, BookMyShow, Swiggy, Cleartrip, Yatra, Apollo24x7 & more
About this card
About SBI Simply Click Credit Card • Partner brands: 10X Reward Points = 2.5% back (Rs 2.50/Rs 100) at Amazon, BookMyShow, Cleartrip, Apollo24x7, Yatra, Netmeds, EazyDiner, Swiggy • Other online spends: 5X RP = 1.25% back • Offline spends: 1 RP/Rs 100 = 0.25% back • Welcome Benefit: Rs 500 Amazon voucher on payment of joining fee • Milestone rewards: Rs 2,000 Cleartrip/Yatra voucher on annual online spend of Rs 1L + another Rs 2,000 voucher at Rs 2L - Rs 4,000 total per year • Fuel waiver: 1% surcharge refund on Rs 500-Rs 3,000 transactions; capped at Rs 100/month Fees & List of Charges • Joining Fee: Rs 499 + GST, Rs 500 Amazon voucher as welcome benefit covers this cost • Annual Fee: Rs 499 + GST, from second year onwards • The annual fee is waived if you spend Rs 1,00,000 or more in the previous year
Axis Bank Fibe
- Annual fee
- Lifetime free
- Rewards
- ₹6,360
- Net savings
- ₹6,360
- You save
- 2.6% of spends
- Best for
- Commute, food & fuel
SBI Cashback
- Annual fee
- ₹999 (waived on ₹200K spend)
- Rewards
- ₹5,340
- Net savings
- ₹5,340
- You save
- 2.2% of spends
- Best for
- All online spends (no merchant restrictions)
About this card
About SBI Cashback Credit Card • Earn 5% cashback on every eligible online transaction, across all websites and apps. No merchant restrictions (Capped at Rs 5000/month combined for both Online & Offline Spends) • Offline spends: Get 1% cashback on everyday purchases (eligible offline categories) • Online + offline cashback combined is capped at Rs 5,000 per statement cycle - save Rs 60,000/year! • Fuel surcharge waiver: 1% waiver on transactions between Rs 500– Rs 3,000, capped at Rs 100 per statement cycle. No cashback is earned on fuel • Cashback is auto-credited to your SBI Card account within 2 working days of statement generation Fees & List of Charges • Joining Fee: Rs 999 + GST, you get more EarnKaro Profit than this • Annual Fee: Rs 999 + GST, from second year onwards • The annual fee is waived if you spend Rs 2,00,000 or more in the previous year
| Card | Annual Fee | Rewards earned | Net savings | You save | Best for | Apply |
|---|---|---|---|---|---|---|
Axis Neo RupayAbout this cardAbout Axis Neo Rupay Credit Card • Enjoy up to Rs 10,000 Instant discount along with 6-month No Cost EMI on Apple purchases. Offer valid from 1st January to 31st March 2026 (Valid on authorized Apple reseller stores and online) • Lifetime free (No Joining/Annual fees) • Enjoy the flexibility to choose from multiple networks including Visa, MasterCard, and RuPay • Get 10% off on Blinkit (up to Rs 250 per month), 10% off on BookMyShow movie tickets (up to Rs 100 per month), and Rs 150 off on Myntra on spends above Rs 999 • 5% off on Mobile recharge/Broadband Payment/DTH recharge up to Rs 150 via Paytm applicable once a month on a minimum transaction of Rs 299* • Get Rs 120 off on food delivery via Zomato twice per month on orders above Rs 499 • 100% Cashback up to Rs 300 on first utility bill payment within first 30 days of card issuance • Enjoy Weekly Wednesday Delights with 15% off on flights/hotels via MakeMyTrip, 10% off on Swiggy, and up to Rs 1,000 off on Tira • Exclusive savings and dining privileges at partner restaurants through Axis Bank Dining Delights program Fees & charges: Joining Fee Nil, Annual Fee Nil | Lifetime free | ₹13,740 | ₹13,740Top Card for You | 5.6% | Blinkit, Myntra, Zomato, BookMyShow, dining | Apply now |
HDFC MillenniaAbout this cardAbout HDFC Millennia Credit Card • Get 5% cashback on non-EMI spends at Amazon, Flipkart, Swiggy, Zomato, Uber, Myntra, Sony LIV, Tata CLiQ, BookMyShow & Cult.fit. Capped at up to Rs 1,000 per billing cycle • Get 1% cashback on all Other Spends excluding Fuel, EMI, Wallet, Rent payments, Govt related txns, capped at up to Rs 1,000 per billing cycle • Get 10% additional discount on Swiggy Dineout using coupon code HDFCCARDS • Rs 1000 worth gift vouchers on spends of Rs 1,00,000 and above in each calendar quarter • 1% Fuel Surcharge waiver on fuel transactions on transaction done between Rs 400 - Rs 5,000 & maximum waiver of Rs 250 per statement cycle • Up to 50 days of interest free period on your HDFC Bank Millennia Credit Card Fees & List of Charges • Joining Fee: Rs 1000 + GST • Annual Fee: Rs 1000 + GST • The Annual Fee is waived, if you spend Rs 1,00,000 or more in a year, before your card renewal date | ₹1000 (waived on ₹100K spend) | ₹7,260 | ₹7,260 | 3.0% | Amazon, Flipkart, Swiggy, Zomato, Myntra, BookMyShow & more | Apply now |
| ICICI Amazon Pay | Lifetime free | ₹7,080 | ₹7,080 | 2.9% | Amazon & everyday spends | Apply now |
SBI SimplyCLICKAbout this cardAbout SBI Simply Click Credit Card • Partner brands: 10X Reward Points = 2.5% back (Rs 2.50/Rs 100) at Amazon, BookMyShow, Cleartrip, Apollo24x7, Yatra, Netmeds, EazyDiner, Swiggy • Other online spends: 5X RP = 1.25% back • Offline spends: 1 RP/Rs 100 = 0.25% back • Welcome Benefit: Rs 500 Amazon voucher on payment of joining fee • Milestone rewards: Rs 2,000 Cleartrip/Yatra voucher on annual online spend of Rs 1L + another Rs 2,000 voucher at Rs 2L - Rs 4,000 total per year • Fuel waiver: 1% surcharge refund on Rs 500-Rs 3,000 transactions; capped at Rs 100/month Fees & List of Charges • Joining Fee: Rs 499 + GST, Rs 500 Amazon voucher as welcome benefit covers this cost • Annual Fee: Rs 499 + GST, from second year onwards • The annual fee is waived if you spend Rs 1,00,000 or more in the previous year | ₹499 (waived on ₹100K spend) | ₹6,480 | ₹6,480 | 2.6% | Amazon, BookMyShow, Swiggy, Cleartrip, Yatra, Apollo24x7 & more | Apply now |
| Axis Bank Fibe | Lifetime free | ₹6,360 | ₹6,360 | 2.6% | Commute, food & fuel | Apply now |
SBI CashbackAbout this cardAbout SBI Cashback Credit Card • Earn 5% cashback on every eligible online transaction, across all websites and apps. No merchant restrictions (Capped at Rs 5000/month combined for both Online & Offline Spends) • Offline spends: Get 1% cashback on everyday purchases (eligible offline categories) • Online + offline cashback combined is capped at Rs 5,000 per statement cycle - save Rs 60,000/year! • Fuel surcharge waiver: 1% waiver on transactions between Rs 500– Rs 3,000, capped at Rs 100 per statement cycle. No cashback is earned on fuel • Cashback is auto-credited to your SBI Card account within 2 working days of statement generation Fees & List of Charges • Joining Fee: Rs 999 + GST, you get more EarnKaro Profit than this • Annual Fee: Rs 999 + GST, from second year onwards • The annual fee is waived if you spend Rs 2,00,000 or more in the previous year | ₹999 (waived on ₹200K spend) | ₹5,340 | ₹5,340 | 2.2% | All online spends (no merchant restrictions) | Apply now |
Best Cashback Lifestyle Credit Cards in India
Cards like HDFC Millennia and SBI SimplyCLICK give up to 5% cashback on online shopping and select categories. Use the calculator above to see your exact annual savings. No annual fee worries when you meet the spend threshold—instant value with no signup.
Best Lifetime Free Lifestyle Credit Cards
ICICI Amazon Pay and Axis Bank Fibe are popular lifetime free options. No annual fee, ever—ideal for middle-class families who want cashback on Amazon, Flipkart, dining and fuel without chasing fee waivers. Compare them in our free calculator above.
Best Credit Cards for Dining & Entertainment
Axis Neo Rupay offers 10% off on Blinkit, BookMyShow, Myntra and Zomato; SBI SimplyCLICK rewards movies and OTT. Enter your dining and entertainment spend in the calculator to see which card gives the highest net savings for your lifestyle.
Best Credit Card for Dining & Movies
Axis Neo Rupay gives 10% off on Zomato, Blinkit and dining; SBI SimplyCLICK and HDFC Millennia reward movies, OTT and food delivery. Use the calculator with your dining and movie spend to see which card saves you the most.
Best Credit Card for Amazon & Flipkart Shopping
HDFC Millennia and SBI SimplyCLICK offer 5% cashback on Amazon and Flipkart; ICICI Amazon Pay gives 5% on Amazon. SBI Cashback pays 5% on all online spends. Enter your shopping budget in the calculator to find the best card for your Amazon & Flipkart spends.
Best Credit Cards for Online Shopping (Amazon, Flipkart, Myntra)
For Amazon, Flipkart, and Myntra, HDFC Millennia and SBI SimplyCLICK lead with 5% cashback. SBI Cashback is another strong option for all-online spends. Use our instant calculator to see which one wins for your basket.
Lifestyle credit cards comparison
Quick reference. Use the calculator for personalised net savings.
Frequently Asked Questions
Which lifestyle credit card is best for middle class in India?
The HDFC Millennia Credit Card is the most popular lifestyle card for middle class in India, offering 5% cashback on shopping and food delivery, plus fee waivers.
Can I get a lifetime free lifestyle credit card?
Yes, options like the ICICI Amazon Pay Credit Card and Axis Bank Fibe Credit Card are lifetime free and offer cashback on shopping and dining.
Which credit card gives cashback on Amazon and Flipkart?
The HDFC Millennia and SBI SimplyCLICK Credit Cards give 5% cashback on Amazon, Flipkart, and other e-commerce platforms.
Related tools
- → Best Fuel Credit Cards — Save on petrol, diesel & CNG with the right card
- → Best Luxury Credit Cards (2026) — Premium calculator: lounge access, golf, dining & travel. Instant results, no signup.
- → Gym Receipt Generator — Free instant PDF, no signup
- → Fuel Bill Generator — Instant PDF fuel bills for records
- → Credit Cards Guide (India 2026) — Best practices & reward tips