Lifestyle Credit Card in India

A Credit Card has multiple uses. Everybody does not use it in the same manner. Businesspersons who travel frequently would love to have a Credit Card that offers benefits in air ticket booking and hotel reservations. Regular commuters prefer to have a separate fuel Credit Card to avail the benefits like cashback offers, free fuel, and surcharge waivers. Similarly, the lifestyle Credit Card can benefit entire families. They come with various benefits such as dining privileges, travel discounts, health and wellness benefits, and insurance cover.

Lifestyle Credit Card in India - Features and Benefits

Lifestyle Credit Cards provide attractive benefits over a range of activities:

  • Dining: Dining is an integral part of your lifestyle. The lifestyle Credit Cards enable cardholders and their families/friends to have a great time at selected top-end restaurants having tie-ups with their respective banks. Using the lifestyle Credit Cards at such restaurants entitles the cardmembers to receive fabulous discount and cashback offers. Such cards also offer the facility of complimentary dishes, as well.
  • Travel: The benefit of the lifestyle Credit Cards is that they cater to all aspects that improve the lifestyle of the cardmember. Use your lifestyle Credit Card to book your travel tickets and get attractive rebates and rewards points (RP). It is possible to redeem these reward points for purchasing flight tickets, hotel reservations, car rentals, go on sightseeing trips, and so on.
  • Health and wellness: Another advantage of the lifestyle Credit Cards is that the customer gets priority treatment and assistance from professional trainers. Banks enter into tie-up arrangements with the top fitness clubs in the country that offer the best of facilities for training and improving your overall health and fitness levels. The lifestyle Credit Cards help you to enjoy the waiver of joining fee or a massive discount in the annual/renewal fee for patronising such fitness clubs.
  • Insurance: Many lifestyle Credit Cards offer tangible insurance benefits such as coverage for death due to air accidents. These cards also protect against the loss of Credit Card, travel documents, baggage, and provide emergency hospitalisation facilities, as well.

Thus, you see that the lifestyle Credit Cards offer benefits on all aspects that go on to define and improve your lifestyle.

Lifestyle Credit Cards - Who Can Apply?

The eligibility criteria for applying for lifestyle Credit Cards are the same as that for the regular Credit Cards. Both self-employed professionals and salaried individuals are eligible for applying for lifestyle Credit Cards. The applicant should be between 18/21 and 65 years of age and have a steady source of income. A good credit rating can help to boost your eligibility.

Lifestyle Credit Cards - Documents Required

Banks require the standard KYC documents such as ID and address proof. The applicants have to submit evidence of continuity of income such as bank statements, IT returns, and salary slips.

Lifestyle Credit Cards - Some of the Best on Offer

SBI Lifestyle Credit Cards

SBI Card Elite - A variant SBI Card Elite Advantage is also available

Doctor's SBI Card (IMA co-branded) - A variant Doctor's SBI Card is also available

  • Welcome e-gift voucher worth 5,000
  • Free movie tickets worth 6,000 every year
  • Earn up to 50,000 bonus points every year (valued at 12,500)
  • Complimentary membership to Trident Privilege Programme and Club Vistara
  • 5 RP for spending 100 on grocery, dining, and at department stores
  • 2 RP on other spends except for fuel
  • Complimentary Priority Pass Membership that permits 6 complimentary accesses to international airport lounges per year.
  • Get 2 complimentary lounge access per quarter at any domestic airport in India
  • Get 9 Club Vistara Points for every 100 spent on Vistara flight tickets
  • Lowest Foreign Currency Markup charges of 1.99%
  • Annual and renewal fee: 4,999
  • Other features like fuel surcharge waivers, Flexipay, Easy Money
  • Welcome e-gift voucher worth 1,500
  • Personal indemnity insurance cover of 20 Lakhs
  • 5 RP on travel booking, international spending, medicine supplies, and Doctor's Day.
  • 1 RP for spending 100 on other expenses
  • Spend 5 Lakhs annually and get an e-gift voucher worth 5,000
  • Complimentary Priority Pass to the prime card member that entitles 4 complimentary international airport lounge accesses per year.
  • Get 8 complimentary domestic lounge accesses per year
  • 1% waiver on fuel surcharge on the purchase of fuel worth 500 to 4,000
  • Other Visa benefits such as discounts on car rentals and hotel reservations
  • Contactless card
  • Additional benefits like cash withdrawal, add-on cards, Flexipay, Balance Transfer on EMI.
  • Annual and renewal fee: 1,499

American Express Platinum Reserve Credit Card

  • A membership fee of 5,000 plus renewal fee 10,000 annually
  • Welcome gift of 11,000 Bonus Membership Rewards Points
  • One Membership point for every 50 spent on the card except for utilities, fuel, insurance, and cash.
  • Enjoy movie or online shopping gift vouchers worth 6,000 per annum
  • Avail hotel privileges at Taj Hotels Palaces Resorts and preferred hotels and resorts
  • Complimentary Priority Pass Membership with complimentary access to American Express Lounges and other domestic airport lounges across India.
  • Enjoy unique health and wellness benefits at Max Healthcare
  • Other benefits include concierge services, fuel convenience fee waiver, Zero Lost Card Liability, and contactless payment.

HDFC Titanium Times Card

  • Get 15% discounts on dining and 25% off on movies
  • A variety of welcome gift vouchers
  • Earn 2 RP on spending 150 with 5 RP on dining spends from Monday to Friday
  • Movie discounts up to 4,000 per year
  • Dining benefits up to 7,500 per year
  • Up to 300 off on fuel transactions
  • Four transactions in a month make the cardmember eligible for free accidental death insurance up to 50 Lakhs for the month.
  • Get protection from fire and burglary for 180 days on goods worth 5,000 and more
  • Annual and renewal fee: 500

Axis Bank Signature Credit Card

  • Burgundy customers can spend over the credit limit without incurring any additional charges
  • Facility to convert purchases over 2,500 into easy EMIs
  • Air accident insurance cover of 25 Lakhs
  • Credit Shield of 1 Lakh
  • Loss of travel documents/baggage of up to $300
  • Complimentary Priority Pass membership that allows free access to international and domestic airport lounges.
  • Emergency card replacement and cash advance in case of loss of card
  • Personalised concierge services
  • Get up to 50% cashback on movie tickets purchased through BookMyShow
  • Up to 15% discount on dining at selected partner locations in India
  • Fuel surcharge waivers on fuel purchases between 400 and 4,000 at all petrol pumps in India.
  • 10 RP for every 200 spent on domestic purchases and 20 RP for international purchases
  • Do your first transaction online to get 100 RP
  • Membership fee: 5,000 (special invitation fee - 3,000)
  • Renewal fee: 3,000 (waived if you spend 3 Lakhs and above in the preceding year)

IndusInd Bank Lifestyle Card

IndusInd Bank Signature Credit Card

IndusInd Bank Iconia Credit Card

IndusInd Bank Platinum Credit Card

  • Choice of welcome gift from:
    • Promotional Code from Jet Airways that offers 100% discount on the base airfare.
    • Complimentary accommodation at the Oberoi Group of Hotels.
    • Genesis Luxury vouchers from a selection of 14 international brands.
    • Golf privileges such as complimentary golf lessons and sessions.
  • 1 ticket free for every ticket you book at Sathyam Cinemas through BookMyShow.
  • 2 Priority Pass memberships free
  • Concierge services
  • 1% fuel surcharge waiver
  • Roadside assistance in case of vehicle breakdown
  • Air accident insurance coverage up to 25 Lakhs
  • Loss and fraud protection
  • 1.5 RP on every 100 spent on Signature Credit Card.
  • Choice of welcome gift from:
    • An exciting range of exquisite products from Satya Paul.
    • Promotional code offer from Jet Airways
  • Get American Express and Visa Card benefits
  • 1 free movie ticket for every ticket you buy at Sathyam Cinemas in Chennai through BookMyShow.
  • Golf privileges
  • Concierge benefits
  • 2 Priority Pass memberships
  • Fuel surcharge waiver
  • Roadside assistance
  • Air accident insurance coverage up to 25 Lakhs  
  • Choice of welcome gift from:
    • Range of products from Satya Paul
    • Promotional code from Jet Airways to fly to your dream destination.
  • Golf and concierge benefits
  • Free movie ticket offer through BookMyShow at Sathyam Cinemas in Chennai.
  • 2 complimentary Priority Pass memberships
  • Fuel surcharge waiver
  • Roadside Assistance in case of vehicle breakdown
  • Air accident insurance coverage up to 25 Lakhs
  • 1.5 RP for every 150 spent on Platinum Credit Card.

ICICI Bank Platinum Chip Credit Card

  • No joining or annual fee
  • Earn generous PAYBACK Points on all expenses except fuel
  • Minimum savings of 15% on dining at participating restaurants
  • 1% fuel surcharge waiver at HPCL petrol pumps in India

Lifestyle Credit Card - How to Apply

Online: All the lifestyle Credit Cards discussed above can be applied online at the respective website of the bank.

Offline: Approach the bank directly and contact the relationship manager to complete the formalities.

Lifestyle Credit Card - Frequently Asked Questions

How are Lifestyle Credit Cards different from Fuel Cards and Travel Cards?

Lifestyle Credit Cards offer a greater variety of options and benefits as compared to the uni-dimensional benefits of Fuel Credit Cards and Travel Cards.

How does the Lifestyle Credit Card function?

The Lifestyle Credit Card is similar to any other Credit Card in terms of its operation and functionalities.

Do Lifestyle Credit Cards come with the chip-based facility?

Yes, all Credit Cards today come with a secure chip-based facility.

How do I redeem the rewards points earned on my card?

Visit the official site of the bank that has issued the Credit Card and proceed to the rewards points' redemption option. There are facilities to redeem these rewards points online by purchasing your favourite products from partner retail stores. It is also possible to redeem rewards points for discounts on air tickets and hotel reservations.

Can I own more than one Credit Card?

Yes, there is no restriction on the number of Credit Cards you own. However, it is essential to maintain your credit reputation to continue keeping multiple Credit Cards.

Do banks check my CIBIL score when issuing Credit Cards?

Yes, banks focus a lot on credit behaviour. An excellent CIBIL score is necessary for securing the approval of a Credit Card.  

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