Lifestyle Credit Card
Everyday Spending, Extraordinary Benefits
Is this card worth it for you?
Drag the sliders to match your spend. The number on the right updates live.
Remaining 75% goes on everything else (groceries, utilities, online shopping). Earning rate: 1.67% travel · 1.67% dining · 1.67% base.
After fees, you're earning real money on this card. The break-even moves with your category mix — pull travel up if you fly more, dining if you eat out.
vs Amazon Pay ICICI
At ₹50,000/month with 15% travel and 10% dining.
Tools for Lifestyle Credit Card holders
Frequently asked
Is the Lifestyle Credit Card worth the ₹0 fee?
It depends on your spend. The Lifestyle Credit Card earns 1.67% base reward and waives the annual fee at ₹20,000 of yearly spend. Use the break-even calculator above to see your specific number.
What is the eligibility for Lifestyle Credit Card?
IDFC First hasn't published a hard minimum income for Lifestyle Credit Card. Approval depends on credit score, existing relationship, and employment type.
What is the forex markup on Lifestyle Credit Card?
Lifestyle Credit Card charges 0% forex markup on international transactions — this card is built for international spending.
Reward rates and fees are sourced from IDFC First's product page and may change. Always confirm with the card issuer before applying.