7 Best Lifestyle Credit Cards in India 2024- 2025

Lifestyle is a preference! Some like it simple, while others make it as their priority. If you are one of them who like going out for movies, restaurants, clubs, holidays, shopping, etc., then you must look at lifestyle credit card. It is one of the most admired types of credit card as it delivers a premium and grand benefits to the cardholders.

With a lifestyle credit card, you will not only enjoy premium lifestyle benefits, but also save a lot of money on your purchases.

Top Lifestyle Credit Cards

Here are some of the best lifestyle credit cards in India:

As the annual fee is one of the parameters to select the credit card, here's the list to check:

American Express Platinum Reserve Credit Card

• Get movie and online shopping vouchers of Rs.6000 per year
• Enjoy complimentary lounge access to American Express lounges and other domestic lounges
• Get special benefits at Max Healthcare
• Earn additional golf, fine dining and lodging privileges

Axis Bank Magnus Credit Card

• Get 12 reward points on every Rs.200 spent
• Get 2x rewards for all transactions on MakeMyTrip, Yatra and Goibibo
• Get discounts at Oberoi Hotels across India
• Get one complimentary Economy class ticket for any domestic location

Yes First Preferred Credit Card

• Get 4 complimentary airport lounge access annually
• Get 20,000 bonus reward points on spending Rs. 7.5 Lakh or more
• Up to 25% discount on movie tickets on BookMyShow
• Get 8 reward points on every Rs. 100 you spend
• Fuel surcharge waiver across all gas stations in India
• Get discounts at selected golf courses across India
• Get up to 15% discount for dining at partner restaurants

SBI Card PRIME Credit Card

• Welcome e-gift voucher worth Rs. 3,000 on joining
• Spend linked gift vouchers worth Rs. 11,000
• Earn 10 reward points for every Rs.100 you spend on dining, groceries, and movies
• Complimentary international and domestic airport lounge access

IndusInd Bank Platinum Aura Credit Card

• Earn a welcome gift from MakeMyTrip
• Free vouchers from Satya Paul
• Earn 4 points on shopping at departmental stores
• Earn 2 points on purchasing consumer durable or electronics
• Get personal assistance for hotel reservations, flight booking, sports and entertainment booking and so on
• Get Platinum Aura Auto Assistance services in case of a vehicle breakdown or any other emergency situation

HDFC JetPrivilege Diners Club Credit Card

• Welcome benefits of up to 30,000 Bonus JPmiles and 8 JPmiles for every Rs.150 spent
• Unlimited access to over 600+ airport lounges globally
• Unlimited access to golf clubs globally
• Privilege to avail 24x7 travel assistance services

RBL Bank Platinum Delight Credit Card

• Earn 2 points for every Rs.100 spent (except for fuel)
• Earn 4 points for every Rs.100 spent during weekends
• Earn up to 1000 bonus reward points every month for using your credit card for five or more times in a month
• Get a discount on groceries, movies, hotel, etc.

How to Apply for a Lifestyle Credit Card?

You can apply via both online and offline mode-

Online

• Go to the desired credit card company’s official website
• Choose the type of credit card you wish to apply
• Click on the ‘Apply Online’ option
• An OTP (One time password) is sent to your registered mobile phone. Use this OTP to proceed
• Enter your personal details
• Select Apply, and proceed further

Offline

You can apply offline by simply visiting the nearest bank whose credit card you wish to apply for. Meet the credit card representative. The representative will help you complete the application and choose the appropriate card. Your eligibility will be checked based on certain parameters like- Credit Score, monthly Income, credit history, etc.

Documents Required for a Lifestyle credit card

Following are the documents required to get a lifestyle credit card-

• An identity proof issued by the government of India like Voter ID, driving license, aadhaar card, passport, ration card, etc.
• Proof of income
• Address proof
• PAN Card
• Passport size photograph