18 Best Lifestyle Credit Cards in India 2025: Features and Benefits of Lifestyle Credit Cards

Posted by  Fintra , updated 2024-10-22

It's always believed that lifestyle is a preference, some like to keep it simple, while others love to make it their priority. Hence, those who love going out to movies, restaurants, clubs, holidays, shopping, and so on, should glance and opt for a lifestyle credit card. In India, lifestyle credit cards are one of the most popularly procured credit cards. As the name suggests, these cards strive to enhance a cardholder’s lifestyle preferences concerning food, shopping, entertainment, and so on. Lifestyle credit cards offer several perks to match the lifestyle requirements of consumers.

One of the best features of lifestyle credit cards is that you can avail various rewards, cashback, discounts, and exciting gifts and vouchers by simply using them in your daily expenses in life, and/or through exclusive rewards/cashback programs. You can even gain reward points for every swipe of the card, and get shopping discounts and cashback on most of your retail spends.

Fintra presents some of the top lifestyle credit cards you should own to enhance your life. The topics we will highlight are:

1. Top 18 Lifestyle Credit Cards in India for 2025
2. Features of Lifestyle Credit Cards
3. How to Choose the Best Lifestyle Credit Card?
4. Benefits of Lifestyle Credit Cards 

Top 18 Lifestyle Credit Cards in India for 2025

1. Kotak Bank PVR Platinum Credit Card

             

The Kotak PVR Platinum Credit Card has been crafted for all movie buffs and those who live for the extravaganza which movies provide. When you pay for your purchases using the Kotak PVR Platinum Credit Card, you can avail up to 2 free PVR movie tickets every month. 

Features of Kotak Bank PVR Platinum Credit Card

• Avail 2 free PVR movie tickets per month when spending Rs. 10,000 and above in a monthly billing cycle
• When using the PVR Kotak Credit Card for paying your shopping bills, avail the chance of getting yourself free PVR movie tickets
• At PVR obtain 15% Cashback on Food and Beverages
• Avail 5% Cashback on Movie tickets at PVR Box Office
• There's no joining fee for the first year
• In case the card gets lost or stolen, it is protected from unauthorized transactions. The amount that is insured is Rs. 75,000 every year
• The Add-on Card will have all the benefits, which are on the primary Card. You can even set the spending limit on the Add-on Card as desired

To know more features of this card, please click here. 

2. SBI SimplyCLICK Credit Card

              

SBI SimplyCLICK Credit Card is for the generation who is always online! It's believed to be an entry-level credit card best suited for frequent online shoppers. SimplyCLICK Credit Card provides extra benefits and rewards on online transactions at partnered brands such as BookMyShow, Cleartrip, Lenskart and more. Moreover, one can earn privileges that include complimentary gift vouchers, fuel surcharge waivers, and annual fee reversals.

Features of SimplyCLICK Credit Card

• When making the fee payment of the Annual Fee of Rs. 499 +taxes, you will get Amazon.in gift card worth Rs. 500
• Gain 10X rewards on online spending with exclusive partners like Amazon / Apollo24X7/ BookMyShow / Cleartrip / Eazydiner/ Lenskart / Netmeds
• Gain 5X rewards on all other online spends
• Gain 1 reward point per Rs. 100 on all other spends
• Avail e-voucher worth Rs. 2,000 on annual online spends of Rs. 1 Lakh and get an e-voucher worth Rs. 2,000 on annual online spends of Rs. 2 Lakhs. The voucher brand is Cleartrip
• Avail 1% fuel surcharge waiver for transactions between Rs. 500 and Rs. 3000 (exclusive of GST, wherever applicable, and all other charges)
• When you spend Rs. 1,00,000, you'll get an annual fee of Rs. 499 reversed for the SimplyCLICK SBI card in the subsequent year
• Enjoy the feature of contactless technology- By simply waving the card at a secured reader, you can complete your transaction. The maximum payment of Rs. 5,000 is allowed per contactless transaction
• One can withdraw cash from over 1 million Visa, and/or MasterCard ATMs across the world

To know more features of this card, please click here, and to apply for it, please click here.

3. HDFC Bank Regalia Credit Card

           

HDFC Bank Regalia Credit Card is an exclusive lifestyle card offered to selected customers. One can enjoy various lifestyle perks like complimentary airport lounge access, Zomato Gold membership, and reward points. Even fuel surcharge waivers are available.  

Features of HDFC Bank Regalia Credit Card

• Earn 4 Reward Points on every Rs. 150 spent on retail 
• Get a bonus of 10,000 Reward Points on spends of 5 Lakh, and extra 5,000 Reward Points on spends of Rs. 8 Lakhs in an anniversary year
• Zero Lost card liability
• Get 12 complimentary airport lounge access per calendar year within India at domestic and international terminals
• The cardholders can apply for Priority Pass once they have completed minimum 4 retail transactions on HDFC Bank Regalia Credit Card. By using the Priority Pass, avail up to 6 Complimentary Airport Lounge Access per calendar year outside India
• 1% fuel surcharge waiver on minimum transactions of Rs. 400 and maximum transactions of Rs. 5000 
•  Get the option of converting big spends into EMI after purchase
• Make contactless payments
• Avail accidental air death cover worth Rs. 1 Crore
• Avail emergency overseas hospitalization cover up to Rs. 15 Lakhs​​​​​​​
• Avail lost card liability cover of up to Rs 9 lakhs   

To know more features of this card, please click here.

4. HDFC Bank Regalia First Credit Card

           

HDFC Bank Regalia First Credit Card is one of HDFC’s unique credit card offerings, which offers a superfluity of exciting benefits and privileges.

Features of the HDFC Bank Regalia First Credit Card

• Get 8 complimentary airport lounge access per calendar year within India for domestic and international terminal
• The cardholders can apply for Priority Pass once they have completed minimum 4 retail transactions on HDFC Bank Regalia Credit Card. By using the Priority Pass, avail up to 3 Complimentary Airport Lounge Access per calendar year outside India
• Enjoy the Good Food Trail dining program that enables you to cherish delicious food at premium restaurants across top cities
• Gain 4 reward points on Rs. 150 on all retail spends that also includes Insurance, Utilities, Education and RentPay
• In each anniversary year, gain 5,000 Reward Points on annual spends of Rs. 3,00,000 or more 
•  in each anniversary year, gain additional 2,500 Reward Points on annual spends of Rs. 6,00,000 or more
• The credit card is enabled for making contactless payments
• Gain up to 5% cashback on travel and shopping spends on SmartBuy
• Avail 1% fuel surcharge waiver across all petrol stations in India on transactions between Rs. 400 and Rs. 5000
• Get an accidental air death cover worth Rs. 50 Lakhs 
• In case of emergency, get emergency overseas hospitalization cover up to Rs. 10 Lakhs 
• Get lost card liability cover of up to Rs. 5 Lakhs​​​

​​​​To know more features of this card, please click here.

5. Axis Bank Privilege Credit Card

           

Axis Bank Privilege Credit Card is a premium credit card that provides customers with several travel-related benefits and loyalty privileges. Airport lounge access, air miles, and other exclusive offers on fuel and entertainment can even be availed.

Features of Axis Bank Privilege Credit Card

• Gain 12500 EDGE REWARD Points that are redeemable against Multi Brand vouchers worth Rs. 5000 upon making the full payment of joining fees and on completing 3 transactions of minimum Rs. 200 each within 60 days. 
• The Milestone Benefit includes attaining double benefit upon achieving spends milestone of Rs. 2.5 Lakh by converting the earned EDGE REWARD Points to Multi Brand vouchers worth twice the value 
• Get 2 complimentary domestic airport lounge access per calendar quarter 
• Obtain 3000 EDGE REWARD Points on renewal of the credit card 
• Get the reversal of the annual fee on achieving spends of Rs. 2.5 Lakhs in the anniversary year of the card
• Enjoy special moments with the Extraordinary Weekends program 
• Cherish cuisines with Axis Bank Dining Delights that offers up to 20% off at 4000+ partnered restaurants
• Get a fuel surcharge refund on spending at fuel stations across India. This is valid on transactions between Rs. 400 and Rs. 4000 only
• Get 10 points on every Rs. 200 spent on credit card domestically/internationally 
• The credit card is secured with chip and PIN protection 
• On transactions over Rs. 2500 convert a huge credit card purchase into EMIs
• Avail purchase protection plan up to Rs. 1 Lakhs 
• Get credit shield 1 Lakh
• Get loss travel documents cover up to 300 USD
• Get delay of check-in baggage cover up to 300 USD
• Get loss of check-in baggage cover up to 500 USD

​​​​To know more features of this card, please click here. 

6. JetPrivilege HDFC Bank Diners Club Credit Card

           

JetPrivilege HDFC Bank Diners Club Credit Card permits users to relish myriad benefits on dining and flight bookings with Jet Airways. This card has been designed for individuals having a taste for luxury and who are frequent travellers. 

Features of JetPrivilege HDFC Bank Diners Club Credit Card

• Upon joining JetPrivilege HDFC Bank Diners Club Credit Card, get 15 JetPrivilege Tier Points while doing the first swipe of the card
• Avail up to 30,000 Bonus JPMiles by doing the following:

1. Get 15,000 JPMiles by doing the first swipe of the card within the first 90 days
2. Get 15,000 JPMiles on making total retail spends of Rs. 1,50,000 and above within the first 90 days

• Get complimentary base fare waived ticket code
• On return tickets, get a discount voucher code worth Rs. 750
• Get an unlimited Lounge program that provides access to over 600+ lounges globally, including 30+ domestic lounges. Enjoy the refreshments and use the lounge facilities that include phones, faxes, Internet, and conference rooms
• Gain 8 JPMiles on every Rs. 150 spent on retail purchases
• Gain 24 JPMiles on every Rs. 150 spent on booking revenue tickets on www.jetairways.com
• Get Green Fee Waiver 100% green fee waiver at 19 golf courses around the world throughout the week. One can even get unlimited complimentary golf lessons at selected driving ranges in India
• Get exclusive golf lessons
• Enjoy Premiere check-in for domestic flights of Jet Airways
• Avail 5% discount on domestic and international tickets 
• Get 10 kg additional baggage allowance on domestic Jet Airways flights
• Relish fine dining experiences with a personal touch at award-winning restaurants
• Avail premier culinary advice on world cuisine, fine wine, new restaurants, and food and wine tasting festivals with the assistance of the exclusive Concierge Desk
• On special occasions enjoy dining at the chef’s table, with off-the-menu requests and private dining experiences

To know more features of this card, please click here.

7. HDFC Bank Diners Club Black Credit Card

            

HDFC Diners Club Black Credit Card is a credit card which has one of the best Reward programs, and it offers several benefits on dining, travel and golf. This lifestyle credit card offers a plethora of benefits and features as described below.

Features of the HDFC Bank Diners Club Black credit card

• Get complimentary annual memberships of Forbes, Club Marriott, Amazon Prime, Dineout Passport, MMT BLACK, and Times Prime  
• Get complimentary Ola cabs, cult.fit, Live, BookMyShow, and TataCliQ vouchers by making spends of over Rs. 80,000 every month
• Earn 5 Reward Points for every Rs. 150 spent
• Get up to 10X Reward Points via SmartBuy and 2X on weekend dining
• Get complimentary Golf games on the finest courses in the world ( 6 per quarter) 
• Get exclusive discounts at leading salons, spas, gyms, and other wellness retreats  
• Dining privileges include getting 2X on weekend dining 
• Get up to 50 days of interest-free credit period
• Get credit liability cover of Rs. 9 lakh
• Avail unlimited airport lounge access in India and around the globe 
• Get a 1% fuel surcharge waiver at fuel stations in India on a minimum transaction of Rs. 400. Get max CashBack of Rs. 1000 per statement cycle
• As a welcome benefit, get complimentary annual memberships of Club Marriott, Forbes, Amazon Prime, Swiggy One, MMT BLACK, and Times Prime by spending 1.5 lakhs within the first 90 days or upon the first year fee realization on the card
• Avail air accident insurance cover of Rs. 2 crore
• Avail emergency overseas hospitalisation cover of Rs. 50 lakh
• Avail travel insurance cover of up to Rs. 55,000 on baggage delay

To know more features of this card please click here.

8. HDFC Solitaire Credit Card 

           

HDFC Solitaire Credit Card has been designed to match the lifestyle requirements of women. The card offers women clients attractive benefits on their daily spending by furnishing them with store vouchers for overall spends above a certain minimum amount and reward points on dining and groceries.

Features of HDFC Solitaire Credit Card

• Gain up to 3 reward points for every Rs. 150 spent
• As part of the Accelerated Reward Points Feature, earn 50% additional Reward Points on grocery and dining spends 
• You can redeem the reward points for exclusive gifts and offer
• Avail vouchers worth Rs. 1000 on spends of Rs. 75000 in six months. Earn up to two vouchers a year
• Redeem reward points for cash back against the outstanding amount on your Credit Card - 100 points = Rs 20
• Get a 1% fuel surcharge waiver at fuel stations in India on transactions between Rs. 400 and Rs. 5,000. The max waiver is of Rs. 250 per statement cycle
• The card has EMV Chip technology
• Have zero liability on the lost card if reported immediately

To know more features of this card, please click here.

9. RBL Bank Platinum Delight Credit Card

           

The RBL Bank Platinum Delight Credit Card will be a delightful credit card to behold. It's packed with incredible features and friendly benefits. 

Features of RBL Bank Platinum Delight Credit Card

•  As a welcome gift, when you will swipe the card within 30 days of issuance, you can earn 4000 Reward points
• Gain 2 reward points per Rs. 100 on all spends
• Double the fun on weekends: Earn 4 reward points per Rs. 100 on all spends done during weekends 
• Gain 1,000 Bonus Reward Points every month by swiping the card 5 times for transactions worth Rs. 1,000 or more in a calendar month
• Avail fuel surcharge at all petrol pumps on fuel transactions between Rs. 500 and Rs. 4000. The maximum waiver you can avail is Rs. 150 per month

To know more features of this card, please click here.

10. American Express Platinum Reserve Credit Card

             

The American Express Platinum Reserve Credit Card is popular for offering luxurious benefits in many ways be it related to dining, travel, health, or other categories. It has everything to live a premium lifestyle.

Features of American Express Platinum Credit Card

• Get complimentary airport lounge access: Avail 12 complimentary airport lounge visits in a year, limited to 3 visits per quarter, to American Express lounges and other domestic airport lounges in India
• Get access to over 1200+ VIP airport lounges in over 120+ countries with the complimentary Priority Pass Membership
• Get Complimentary Taj Epicure Membership: Avail 20% discount on the Best Available Rate for Room/Suite stay at Taj Palaces and a 20% discount on Best Available Rate for Room/Suite stay at Taj Safaris
• Obtain a Taj stay voucher worth Rs. 10,000 when spending Rs. 5 lakhs in a Cardmembership year and pay an annual fee of Rs. 10,000 on the Card
• Golfing privileges: Avail complimentary access twice a month to 32 lush green courses within India 
• Enjoy complimentary benefits with the Taj Epicure membership. Avail exclusive benefits while dining at bars, restaurants and spas across Taj, SeleQtions and Vivanta Hotels: 25% discount on food & beverage, 20% discount on food & beverage at Banquets, 20% discount on Qmin, 20% discount on Spa Treatments, and 20% discount on Salon Experiences
• Avail complimentary membership to EazyDiner Prime: Get a minimum of 25% off at all Prime restaurants, complimentary drink with every booking at over 100+ restaurants, in addition to the discount, and preferential reservations for Prime members dedicated 24-hour VIP line for Prime members
• Gain up to 15% off on health check-ups, up to 20% off on skincare and beauty, discounted stays at villas with wellness experiences, complimentary wellness coupons, and special discounts on spa services

To know more features of this card, please click here.

11. IndusInd Bank Platinum Aura Edge Credit Card

          

IndusInd Bank Platinum Aura Edge Credit Card is a premium credit card for living luxurious lifestyle and travel. It is well-suited for the frequent shoppers as it rewards the user for every purchase made on departmental store and grocery spends. The card even provides complimentary lounge access and concierge service. The Platinum Aura cardholders will get personal attention from the IndusInd Bank team to make every moment in their life extraordinary.

Features of IndusInd Bank Platinum Aura Credit Card

• As a welcome benefit, get various discount vouchers from multiple brands like Amazon, Flipkart, Big Bazaar, Zee5, Apollo Pharmacy, Uber, Ola and more 
• Gain up to 4X Reward Points on selected merchant categories
• Get a fuel surcharge with a 1% waiver on all petrol pumps in India
• Avail personal assistance for hotel reservations, flight booking, sports, entertainment booking, and so on
• Get complimentary personal air accident insurance cover of up to Rs. 25 lakhs

To know more features of this card, please click here and here.

12. Axis Bank Magnus Credit Card

 

         

Those who are travel freaks and lavish spenders have to apply for Axis Bank Magnus Credit Card because it offers various benefits when spending on dining, travelling, health, and many others. The card even offers entertainment benefits when you book movie tickets. 

Features of Axis Bank Magnus Credit Card

• As a Welcome/Annual Benefit, you can choose between one complimentary domestic flight ticket and a Tata CLiQ voucher worth Rs.10000 as the annual benefit
• Avail unlimited complimentary domestic airport lounge visits
• Avail unlimited complimentary international airport lounge access and 8 additional guest visits per year with the Priority Pass card
• 8 Complimentary airport Concierge services
• Get up to 20% discount at over 4000 restaurants across India
• BookMyShow: Purchase 1 and get up to Rs. 500 off on the second movie/non-movie ticket
• Earn 25,000 EDGE REWARDS Points that's worth Rs. 5,000 on monthly spends of Rs. 1 Lakh
• Earn 5X EDGE REWARDS on travel spends through TRAVEL EDGE
• Earn 12 Axis EDGE REWARDS Points on every Rs. 200 spent

To know more features of this card, please click here and here.

13. Yes First Preferred Credit Card

          

With Yes First Preferred Credit Card, experience the world of exclusive privileges and rewards. Pamper yourself with affluent benefits, features, and a world of choice for redeeming Reward Points.

Features of Yes First Preferred Credit Card

• Earn 16 Reward Points for every Rs. 200 spent on Travel & Dining The spends are capped at 3,000 Reward Points per statement cycle
• Earn 8 Reward Points for every Rs. 200 spent on all categories; 4 Reward Points for every Rs. 200 spent on Select categories
• Avail 4 complimentary rounds of green fees per calendar year at selected Golf courses in India
• Domestic Lounge Program- Avail 2 complimentary domestic airport lounge access per calendar quarter for Primary Cardmember
• International Lounge Program: Cards issued on Mastercard have complimentary Priority Pass Membership that is available upon request and it offers 4 complimentary visits per calendar year at airports outside India. Cards issued on VISA offer 4 complimentary airport lounge access per calendar year through the LoungeKey Program​
• Avail Life Insurance Cover of Rs. 1 Cr for death due to Flight Accidents
• Avail Medical Insurance coverage of Rs. 25 Lakhs for emergency hospitalization when travelling overseas
• In case of the accidental death of the Primary Cardmember, you can avail Credit Shield cover 
• 25% discount on movie tickets booked on BookMyShow Website or Mobile App
• Fuel Surcharge Waiver
• Get great offers across travel, dining, shopping, wellness and more, in selected cities

To know more features of this card, please click here.

14. SBI Prime Credit Card

        

SBI Prime Credit Card offers privileges in numerous categories such as shopping, utility bill payments, travel bookings, etc. The card also gives high reward points on groceries, dining, departmental store purchases, and more. 

Features of SBI Prime Credit Card

• As a welcome benefit, receive a welcome e-gift Voucher worth Rs. 3,000 from the following brands: Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop and/or Yatra.com
• Obtain 10 Reward Points for every Rs. 100 spent on Groceries, Dining, Departmental stores, and Movies 
• Get 2 Reward Points for every Rs. 100 spent on all other retail spends except fuel
• Get a 1% fuel surcharge waiver on transactions ranging from Rs. 500-Rs. 4000 across all petrol pumps. The maximum surcharge waiver you can get is Rs. 250 per month, per statement cycle
• Avail Pizza Hut e-Voucher worth Rs. 1,000 on achieving the spending amount of Rs.50,000 in a calendar quarter
• Receive an E-Gift Voucher worth Rs. 7,000 from Yatra.com/Pantaloons on achieving annual spending of Rs. 5 Lakhs
• Complimentary Trident Privilege Red Tier Membership  
• 10% instant saving on bookings done through the hotel website
• Get 10 points for every Rs. 100 spent during the stay at participating hotels
• Complimentary Club Vistara Silver membership
• Get 9 Club Vistara Points for every Rs. 100 spent on Vistara flights
• Get 4 complimentary airport lounge access per calendar year to International Priority Pass Lounges, outside India (max. 2 visits per quarter)
• Get 8 complimentary airport lounge access per calendar year to Domestic Lounges in India (max. 2 visits per quarter)
• Avail 20 Reward Points per Rs. 100 spent on birthday day 

To know more features of this card, please click here.

15. HDFC Moneyback Credit Card

       

HDFC Moneyback Credit Card is a credit card which offers Rewards Points that can be redeemed for cash back along with offering rewards for online shopping spends. The card offers attractive rebates on shopping coupled with interest-free credit for up to 50 days. The MoneyBack card will be a perfect partner for the enthusiastic and avid shopper.

Features of HDFC Moneyback Credit Card

• Gain 2 Reward Points on every Rs. 150 spent
• Gain 2X Reward Points i.e. 4 Reward Points for every Rs. 150 spent online. Do note with effect from 15th July 2020, you can earn up to 500 Reward Points per statement cycle for online spending, under the 2X RP feature
• For every quarter, receive a gift voucher worth Rs. 500 on spends of Rs 50,000. You can gain up to Rs. 2,000 worth of gift vouchers in a year
• Zero Lost card liability
• Get a 1% fuel surcharge waiver on fuel transactions 
• As a Welcome Benefit, get 500 Cash Points. This is applicable only on making the payment of the membership fee
• Annual Spend-based benefit: When spending Rs. 50,000 and above in each calendar quarter, get Rs. 500 worth of gift vouchers
• Renewal Offer: When spending Rs. 50,000 and above in the first year, get the renewal membership fee waived off
• Convert big spends into EMI after purchase
• The card is enabled for contactless payments

To know more features of this card, please click here.

16. SBI Elite Credit Card

          

With SBI Elite Credit Card, the cardholder can earn 5 times more reward points when dining or spending at departmental stores and grocery purchases. Redeem the points easily for fantastic options from a range of categories like premium merchandise, travel, and much more. The card offers a flexible rewards redemption program. 

Features of SBI Elite Credit Card

• Avail a welcome e- Gift Voucher that's worth Rs. 5,000. You can select from a collection of travel and lifestyle brands such as Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion, and Shoppers Stop
• Get free movie tickets worth Rs. 6,000 every year
• Gain up to 50,000 Bonus Reward Points worth Rs. 12,500/ year
• When achieving annual spendings of Rs. 3 lakhs and 4 lakhs, gain 10,000 bonus Reward Points 
• Avail 15,000 bonus Reward Points on achieving annual spends of Rs. 5 lakhs and 8 lakhs
• Gain 5X Reward Points on Dining, Departmental stores and Grocery Spends
• Gain 2 Reward Points per Rs. 100 on all other spends, excluding fuel
• Avail 1% fuel surcharge waiver at petrol pumps in India 
• Get a complimentary membership of the Priority Pass Program 
• Get 6 complimentary airport lounge access per calendar year, outside India 
• Get 2 complimentary domestic airport lounge access per quarter in India
• Complimentary Club Vistara Silver membership
• Get 1 complimentary Upgrade Voucher
• For every Rs. 100 spent on Vistara flights, earn 9 Club Vistara Points 
• Relish the complimentary Trident Privilege Red Tier membership  
• On registration, get exclusive 1,000 Welcome Points 
• Get 1,500 Bonus Points on the first stay and an additional Rs. 1,000 hotel credit on an extended night stay
• Enjoy 10% instant savings on bookings through the hotel website
• Get 10 points for every Rs. 100 spent, excluding taxes, during the stay at participating hotels
• Dedicated assistance on Flower Delivery, Gift Delivery, and Online Doctor Consultation
• Get 2 Reward Points on every Rs. 100 spent on International transactions

To know more features of this card, please click here. 

17. ICICI Bank Coral Credit Card

       

The ICICI Bank Coral Credit Card is a point-based basic credit card, which is mostly recommended for various shopping offers. The card entitles you to earn Reward Points on transactions. In association with ICICI Bank and RewardsvProgram, the card provides a suite of exciting rewards for everyday spending. Earn Reward Points when using the card and even earn additional points from Reward Partner Brands for the same purchase. 

Features of the ICICI Bank Coral Credit Card

• Earn 2 Reward Points on every Rs. 100 spent through the card
• Earn 1 Reward Point on every Rs. 100 spent on utilities and insurance categories
• Under the latest ICICI Bank Milestone Rewards program, you can earn 2000 Reward Points on spending Rs. 2 Lakhs on the card and 1000 Reward Points whenever crossing Rs. 1 Lakh spends thereafter in an anniversary year. Get maximum 10,000 Reward Points per year
• Avail a discount of 25%, up to Rs. 100, on a minimum purchase of two movie tickets per transaction on BookMyShow. Get this offer twice a month
• Inox Benefits: Avail a discount of 25%, up to Rs. 100, on a minimum purchase of two movie tickets per transaction through the Inox website, INOX app, or the Inox box office. Get this offer twice a month
• Enjoy ICICI Bank’s Culinary Treats Programme which offers exclusive offers on dining and involves discounts on ordering food from partnered restaurants
• Enjoy exclusive and amazing offers from Visa in India or abroad. Avail offers from restaurants, luxury hotels, lifestyle stores, spas and more
• Enjoy the ‘Mastercard Moments’, an exclusive programme specially designed for Mastercard cardholders. Enjoy a host of unique experiences and privileges
• One complimentary access to selected airport lounges in India every quarter. Get this by spending a minimum Rs. 5,000 or above on the card in one calendar quarter, and avail of this facility in the next calendar quarter
• One complimentary access to selected railway lounges in India per quarter
• This credit card comes with a security chip
• Avail a waiver of 1% on fuel surcharge whenever refuelling. This offer is valid on maximum spending of Rs. 4,000 per transaction at HPCL pumps

To know more features of this card and apply for it, please click here.

18. HDFC Platinum Times Credit Card

         

HDFC Platinum Times Credit Card has exclusively been designed for those who love to indulge in recreational activities. You can get huge discounts of up to Rs. 4000 in a year on movie bookings, and 20% off on dining.

Features of HDFC Platinum Times Credit Card

• Get complimentary Annual Times Prime Membership. Get offers & subscriptions on the following brands, Gaana Plus, Zee5, TOI+, Dineout Passport, Lifestyle, Myntra and many more
• Avail 25% off on movie tickets through BookMyShow (Maximum 4 discounted tickets per card per month can be availed. A maximum discount of Rs. 350 is availed per transaction. A discount of Rs. 50 on Food and Beverage can be availed once.)
• Get up to a maximum of 15% of the bill when using your HDFC Bank Times Card Credit Platinum via PayEazy on Eazydiner
• Get up to 20% off on online and offline for shopping, wellness and hotel stay
• Avail 3 Reward Points on every Rs. 150 retail spends
• Get up to 5% Cashback on Utility Bills/Shopping, and up to 40% discount on select restaurants through the dineout app
• 1% Fuel Surcharge waiver
• The welcome benefits include getting E-Vouchers Worth Rs. 5000
• When spending Rs. 2,50,000 in a year, get a waiver of the renewal membership fee
• Convert big spends into EMI after purchase
• Enjoy Weekday Dining Bonanza Reward Points
• Get 10 Reward Points on every Rs. 150 spent on Dining spends on weekdays

To know more features of this card, please click here.

Features of Lifestyle Credit Cards

Rewards Points

Like any other credit card, lifestyle credit cards offer various reward points. Moreover, the reward points program may differ according to the bank or the firm that issues it. The program is based on the amount one spends using a credit card. Different credit card issuers tend to calculate these reward points differently, and one can redeem these points later as per the issuer’s norms. 

Travel/Dining/Concierge feature 

In today’s world, travelling has become essential, hence, using the right lifestyle credit card can reward the cardholder with various travel privileges. These cards provide luxury and convenience to individual travellers in the form of free access to selected exclusive airport lounges, concierge services, dining reservations etc. Lifestyle credit cards also offer significant discounts at many restaurants across India. 

Some credit card issuers offer Golfing perks, too, to those who desire to live their life in style! Some other cards give attractive rewards for lifestyle spending dining, grocery, departmental and international spending, and when doing online merchant partner spending.

                            

How to Choose the Best Lifestyle Credit Card? 

While seeking a lifestyle credit card, you should glance at the following criteria: 

1. The pattern of your lifestyle spending: Analyze your lifestyle habits and then decide what would you like to use your credit card for. For example, if you are an online shopaholic, you must then pick the card which has benefits and reward programs specially designed for that particular purpose. It doesn't make sense to opt for a card that offers frequent flyer miles when you aren't a travel freak!
2. The credit card payment pattern: One of the most vital criteria in selecting a credit card is your payment behaviour. Do make sure that you pay off the credit card dues every month, to avoid accumulating interest. Ideally, you should seek a credit card, which offers specific lifestyle perks but also which offers the best interest rate, instead of a credit card, which offers numerous rewards but has a higher interest rate. This is so because whatever rewards you will get for spending on the card will be wiped out by the high-interest rate you pay on your outstanding.
3. Charges: Before opting for a lifestyle credit card, be absolutely aware of the card's charges. Only then decide whether it's worthwhile applying for the card. At times although a card will offer extremely attractive discounts and benefits, its annual fees, renewal fees, joining fees, and other charges might be very high. This in turn will strip you of the rewards which you earn on your spending.
4. Your income: Do consider your monthly net income and decide whether you are capable to afford a credit card that would considerably increase your expense and possibly put you in debt. Select wisely. 

Benefits Of Lifestyle Credit Cards

If you’re seeking a credit card which provides lots of benefits relating to major areas of your life, then ideally you should go for a lifestyle credit card. Credit card issuers are adding more privileges to provide credit cards with comprehensive lifestyle benefits. Following is a detailed outline of the kind of benefits offered by lifestyle credit cards that would help you understand the cards better:

Savings on travel: Since travelling has become an essential part of our modern-day life, lifestyle credit cards certainly do include various benefits related to travel. Benefits include such as offering complimentary air miles, discounts on air ticket bookings, hotel bookings, memberships to frequent flyer programmes, etc. One can also redeem reward points for plane tickets, hotel bookings, etc.

Dining privileges: Dining out is now an integral part of everyone's lifestyle. We all eagerly await for the weekends to arrive so we can explore new dining destinations. Hence, to provide exclusive benefits to all foodies, lifestyle credit cards will offer privileges on dining spending including discounts at partnered restaurants in India, cashback at certain restaurants, complimentary dishes, a chance to become a chef, and a lot more.

Airport lounge access: As part of the travel benefit, lifestyle credit cards even offer complimentary access to domestic and international airport lounges in India. Cardholders will also get complimentary membership to various priority pass programmes, which provide exclusive lounge visits, and benefits to add-on cardholders.

Health and wellness benefits: Since health and wellness play a vital role in our day-to-day life, some lifestyle credit cards provide related benefits by partnering with healthcare and wellness professionals.

Concierge services: Holidaying in a foreign land isn't as easy as it is in our own country. Unless everything has been booked and planned, we can't make memories out of the trip. With lifestyle credit cards offering exclusive concierge services, all booking needs will be taken care of, and you simply can enjoy your vacation. Some of the services included in the concierge service are gift delivery assistance, car rental referral and assistance, dining referral and reservation, hotel referral and booking assistance, and other business services.

Savings on fuel spending: One mandatory expense some of us have weekly basis is fuel purchases. Due to fuel surcharge being levied on card transactions, we tend to make payments in cash. Hence, with lifestyle credit cards, we can avoid paying the surcharge, because it is being waived by most credit cards when used to make fuel transactions.

Offers on movie tickets: Along with travel, entertainment plays a vital part to make us feel rejuvenated. Hence, to cover this aspect, lifestyle credit cards do offer various discounts on movie tickets and other entertainment programmes. As an example, it could be a buy one, get one movie ticket and/or a special discount on ticket price.

Insurance cover: Another interesting aspect of lifestyle credit cards is comprehensive insurance protection. Most cards provide coverage for air accidental death, emergency hospitalisation abroad, loss of card, loss of travel documents, loss of check-in baggage, etc.

                         

 Conclusion 

Throughout India, there are a plethora of lifestyle credit cards offered by several banks and financial institutions. These cards have been designed to cater to the various whims and fancies of varied customers. Individuals desiring to enhance their lifestyle and indulge themselves in luxury should opt for a lifestyle credit card. It has various perks designed for frequent flyers, frequent shoppers, and those who regularly dine out.