LifeStyle Credit Cards Benefits, Features, Reviews, How to Apply Step by Step Full Guide?

LifeStyle Credit Cards: Lifestyle credit cards are more popular than ever in India due to the rising income levels of the average Indian, changing lifestyle habits, and the desire for novel products and experiences. Banks offer numerous lifestyle cards to help you achieve your lifestyle goals and select a particular level of living. As a result, lifestyle cards are a reflection of your personality. Due to stiff competition from credit card issuers, you now have a wide selection of lifestyle cards to choose from. These cards were specifically manufactured to meet the various needs and budgets of customers.

lifestyle credit cards

There are many different types of cards on the market today and choosing the right one for you can be very difficult. It is very important to compare and contrast the features, benefits, and fees of the credit cards you wish to apply for before applying. This will help you find the best card suitable for your lifestyle.

Owning a credit card entitles you to a number of benefits. It offers you convenient payment options, gives you access to a wide range of discounts and rewards, and helps you build good credit (as long as you pay your bills on time each month), which will make you eligible for loans in the future.

lifestyle credit cards

LifeStyle Credit Cards Overview

Benefits of lifestyle credit cards

A lifestyle credit card is the best option for you if you want a credit card with many benefits for important aspects of your life. Credit card issuers are adding more and more privileges to offer credit cards with comprehensive lifestyle benefits in response to changes in preferences and lifestyles.

You’ll understand lifestyle credit cards better if you take a closer look at the benefits they provide.

travel savings

No doubt, a lifestyle credit card would include a travel-related benefit, as traveling has become an essential part of modern life. It could consist of giving away free airline miles, getting discounts on flight and hotel bookings, joining frequent flyer programs, etc. Reward Points can also be used to book hotels, airline tickets, and other travel arrangements.

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Dining privileges

We have made dining out a regular part of our lives. New weekend dining options are eagerly awaited each week. Lifestyle credit cards would certainly offer dining spending privileges, including discounts at partner restaurants across India, cash back at specific restaurants, complimentary dishes, and the chance to become a chef, among other benefits, to all these lovers. of gastronomy.

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Access to the VIP lounge at the airport

Lifestyle credit cards also include free access to lounges at India’s domestic and international airports as part of the travel benefit. In addition, additional cardholders can receive complimentary membership to various priority pass programs that grant them access to exclusive lounge visits.

Health and Wellness Benefits

Some lifestyle credit cards partner with health and wellness professionals to offer related benefits because health and wellness are important to our everyday lives.

concierge services

Traveling on vacation to another country is easier than ours. We won’t be able to remember the trip unless we book and plan everything. All your reservation needs will be taken care of while you enjoy your vacation with lifestyle credit cards that offer exclusive concierge services. Concierge service services include restaurant referrals and reservations, gift delivery, car rental referrals and assistance, hotel reservations referrals and assistance, and other business services.

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Savings in fuel costs

The purchase of fuel is a weekly necessity for most of us. Many of us prefer to pay in cash because card transactions carry a fuel surcharge. With the Lifestyle Visas we can try not to pay the surcharge, since it is being deferred by the vast majority of Mastercards when they are used to make fuel changes.

Movie ticket deals.

For us to feel refreshed after a trip, entertainment is essential. Lifestyle credit cards offer various discounts on entertainment programs and movie tickets to cover this aspect. Cardholders can plan their weekend movie at a much lower cost thanks to special ticket discounts or buy one get one free offers.

Insurance policy

The comprehensive insurance protection offered by lifestyle credit cards is an intriguing feature. Most cards provide protection against things like lost card, lost travel documents, lost checked baggage, and accidental death while traveling by air.

The 5 Best Lifestyle Credit Cards

Kotak Bank PVR Platinum Credit Card

The Kotak PVR Platinum Credit Card is designed for everyone who enjoys movies and lives for the extravagance they offer. Customers can get up to two free monthly PVR movie tickets when they pay for their purchases with their Kotak PVR Platinum credit card. They will receive coupon codes for free PVR movie tickets that can be used for any show at any theater as long as they spend more than Rs. 7,500 per month.

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Kotak Bank PVR Platinum Credit Card Features

  • If a cardholder spends Rs 7,500 or more during a monthly billing cycle, they can get two free PVR movie tickets.
  • With their PVR Kotak credit card, customers can shop nationwide and get free PVR movie tickets. This offer is available all year.
  • The primary cardholder will be able to set the credit limit on their Kotak Bank Complementary Card, which will have all the features of the primary card.
  • PVR Shield is a free insurance policy that protects cardholders in the event of card loss or theft, as well as unauthorized transactions. For both primary and add-on cards, the annual insured amount is Rs. 75,000.

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HDFC Bank’s first Regalia credit card

The HDFC Regalia First credit card is one of its kind from HDFC and comes with a host of exciting benefits and privileges.

HDFC Bank Regalia First credit card features

  • Access to more than 850 airport lounges around the world is free for cardholders. Clients have access to telephone, Internet, fax and even conference rooms in these rooms. Customers holding major cards have four free annual access to the Priority Pass airport lounge.

Axis Bank Privilege Credit Card

In addition to the loyalty privileges that have been granted to cardholders, this premium credit card from Axis Bank offers customers a number of travel-related benefits. The Axis Bank Privilege credit card also offers exclusive fuel and entertainment offers, access to airport lounges and airline miles.

Characteristics of the Axis Bank Privilege credit card

  • When customers sign up to be privileged card holders, they can get travel vouchers worth Rs. 5000 as a welcome gift. These vouchers can be redeemed at, where you can also book bs tickets and plane tickets for domestic and international travel. You can also book hotels and vacations.
  • Customers will need to swipe the Privilege Card three times within two months of receiving this gift in order to receive it. The cardholder’s account will receive two vouchers, each worth Rs 2,500. They will have access to these bonuses for a period of four months after receiving them.

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JetPrivilege HDFC Bank Diners Club credit card

The JetPrivilege HDFC Bank Diners Club Credit Card gives customers access to numerous benefits when booking flights and dining with Jet Airways, combining the best of Diners Club and Jet Airways. This card is ideal for frequent travelers who have a penchant for the opulent.

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Features of the JetPrivilege HDFC Bank Diners Club credit card

  • Within the first three months after receiving this card, cardholders will receive a welcome gift consisting of 15 JetPrivilege tier points on first use. Customers will need to join the JetPrivilege Frequent Flier Club when they receive their credit card or enroll in this program.
  • JetPrivilege tier points earned by using a credit card to book flights can be used to upgrade or maintain a membership tier.

HDFC Bank Diners Club Black Credit Card

The HDFC Bank Diners Club Black Credit Card features one of the best rewards programs and a host of benefits across dining, travel and golf. This Visa way of life comes with many perks and advantages.

Features of the HDFC Bank Diners Club Black credit card

  • Through these HDFC Bank Diners Club credit cards, customers can apply for insurance protection that includes coverage up to Rs. 55,000 in travel expenses in case of baggage delay, Rs. 2 crores in air accident cover, Rs. 50 lakhs in coverage of emergency medical expenses and Rs. 9 lakhs in credit liability cover.

Eligibility for lifestyle credit cards

The criteria for lifestyle credit cards vary from card to card. Therefore, it is suggested that you check the bank’s website for specific bank and credit card eligibility requirements.

Documents needed to apply for a Lifestyle credit card

The following is a list of the essential documents required to apply for a lifestyle credit card. However, depending on the type of card, banks may request additional documents.

  • Copy of proof of identity, such as voter ID, passport or Aadhaar card.
  • Documents proving the address, such as voter ID, Aadhaar, driving license, electricity bill or passport, depending on which one has your current address.
  • PAN card copy
  • Two months’ worth of pay stubs or IT statements
  • Application duly signed
  • 1 passport size photograph

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How to apply for lifestyle credit cards online?

With the online application process, applying for a lifestyle credit card is simple and straightforward. You can apply for a credit card online by visiting the bank’s website, going to the lifestyle credit card page, and looking for the “Apply” option. This will allow you to select the credit card that best suits your needs and your way of life.

After reviewing the application, the bank will contact you within three to four business days if your profile meets the eligibility requirements. You will be informed of the subsequent application process. Banks process a credit card within 7-10 days if the applicant passes all verification checks.

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Categories: Guide