#1
SBI Card
SimplySAVE SBI Card
10X points on dining, movies, groceries & departmental stores
₹499 + taxes a yearUnder ₹500 a yearLifestyle & brands
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Best cards
Best lifestyle & brand cards in India (2026)
Brand and lifestyle cards pay you in vouchers and partner benefits. Great if you already shop there — poor value if you don't.
हर कार्ड की फ़ीस और शर्तें साफ़-साफ़।
#2
HDFC Bank
Shoppers Stop BLACK Card
7% back at Shoppers Stop + 24 lounge visits a year
₹4,500 + GST a yearLifestyle & brands
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#3
HDFC Bank
Shoppers Stop Credit Card
3% back at Shoppers Stop
₹299 + GST a yearUnder ₹500 a yearLifestyle & brands
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#4
SBI Card
SBI Card PRIME
₹3,000 welcome voucher, Pizza Hut vouchers & 12 lounge visits
₹2,999 + taxes a yearLifestyle & brands
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#5
SBI Card
SBI Card PULSE
A ₹7,999 smartwatch, FITPASS PRO & 5X points on pharmacy
₹1,499 + taxes a yearLifestyle & brands
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Side by side
| Card | Annual fee | Headline reward | UPI |
|---|---|---|---|
| SimplySAVE SBI CardSBI Card | ₹499 + taxes a year | 10X points on dining, movies, groceries & departmental stores | No |
| Shoppers Stop BLACK CardHDFC Bank | ₹4,500 + GST a year | 7% back at Shoppers Stop + 24 lounge visits a year | No |
| Shoppers Stop Credit CardHDFC Bank | ₹299 + GST a year | 3% back at Shoppers Stop | No |
| SBI Card PRIMESBI Card | ₹2,999 + taxes a year | ₹3,000 welcome voucher, Pizza Hut vouchers & 12 lounge visits | No |
| SBI Card PULSESBI Card | ₹1,499 + taxes a year | A ₹7,999 smartwatch, FITPASS PRO & 5X points on pharmacy | No |
Questions people ask
How did you rank these cards?
By net value at typical Indian spending: reward rate, minus the annual fee, after the monthly caps. Not by commission.
Can I hold more than one of these?
Yes, and pairing a free card with one paid card usually beats holding a single expensive one. Check each card's fee waiver condition first.
How often is this page updated?
Every card page carries the date we last checked the bank's own website. When a reward rate changes, we post it in the news section.
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