18 Best Lifestyle Credit Cards in India 2024: Features and Benefits of Lifestyle Credit Cards

Posted by  Fintra , updated 2023-12-06

18 Best Lifestyle Credit Cards in India 2024: Features and Benefits of Lifestyle Credit Cards

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 2024
  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 2024

  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

To know more features of this card, please click here

  1. 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

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

  1. 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

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

  1. 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

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

  1. 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

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

  1. 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

  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

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

  1. 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

To know more features of this card please click here.

  1. 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

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

  1. 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

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

  1. 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

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

  1. 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

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

  1. 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

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

  1. 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

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

  1. 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

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

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

  1. 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

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

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

  1. 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

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.

                            lifestyle credit cards

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.

                         lifestyle credit card personality

 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.

 

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