Starting your credit journey in India doesn’t mean you have to compromise on lifestyle benefits. Whether you’re a young professional, fresh graduate, or someone looking to build credit history, entry-level lifestyle credit cards offer an excellent gateway to premium experiences without the hefty annual fees of premium cards.
What Makes a Credit Card “Entry-Level Lifestyle”?
Entry-level lifestyle credit cards strike the perfect balance between accessibility and benefits. They typically feature lower income requirements, minimal or waived annual fees, and focus on everyday spending categories like dining, shopping, entertainment, and online purchases. These cards are designed for millennials and Gen Z consumers who want to enjoy life while building their credit profile.
Top 10 Entry-Level Lifestyle Credit Cards in India (2025)
1. SBI Cashback Credit Card
Why it’s perfect for lifestyle spending: This card has emerged as the standout choice for entry-level cardholders in 2025. With 5% cashback on online spends and a generous monthly cap of ₹5,000, it’s ideal for online shopping enthusiasts, food delivery orders, and digital entertainment subscriptions.
Key Benefits:
- 5% cashback on online transactions
- 1% cashback on offline spends
- No annual fee for the first year
- Perfect for e-commerce and digital lifestyle spending
2. Axis Bank Neo Credit Card
Why it’s lifestyle-focused: Designed for young individuals, especially millennials, who enjoy shopping and dining, this card comes with an affordable annual fee of ₹500 and welcome vouchers worth the same amount.
Key Benefits:
- Welcome vouchers worth annual fee
- Enhanced rewards on dining and shopping
- Millennial-friendly features and design
- Competitive entry-level requirements
3. HDFC Millennia Credit Card
Why it’s a lifestyle winner: Tailored for the digital generation, this card offers excellent rewards on online spending and popular lifestyle categories.
Key Benefits:
- 5% cashback on online shopping (up to ₹1,000/month)
- 2.5% cashback on offline spends
- 1% cashback on other transactions
- Complimentary airport lounge access
4. Amazon Pay ICICI Credit Card
Why it’s lifestyle-smart: Offers unlimited rewards of 2% to 5% on Amazon purchases and 1% on all other spends, making it perfect for frequent online shoppers.
Key Benefits:
- 5% cashback on Amazon purchases (Prime members)
- 2% cashback on Amazon (non-Prime members)
- 1% cashback on other transactions
- No annual fee
- Instant digital card delivery
5. Federal Bank Visa Signet Credit Card
Why it’s lifestyle-oriented: Offers exclusive rewards and benefits, including enhanced cashback on various spending categories and access to premium lifestyle perks.
Key Benefits:
- Enhanced cashback on lifestyle categories
- Airport lounge access
- Attractive merchant discounts
- Competitive reward structure
