Lifestyle is the way we like to live our life. Some people like to live a simple life while some others make life a celebration. Whatever your prospects towards life may be, a credit card which fits your lifestyle is available in the market. Beyond the office cubicles, all of us want to relax by watching a movie, going to a concert, enjoying mouth-watering cuisine at world-class restaurants, travelling, shopping and so on. However, such a lifestyle never comes cheap. You have to spend a lot to live that life that everyone envies.

If you want to maintain this lifestyle at a better price then a Lifestyle Credit Card is the answer for you. A lifestyle credit card gives you discounts on almost every purchase. Well, in the plethora of credit cards, it is indeed much confusing to find the right credit card that fits your needs the best.

Here We Have Sorted Out Top 5 Lifestyle Credit Cards Available in India

HDFC Diners Club Black Credit Card

Features

  • One can earn points for spending on each and every retail purchase.
  • The usage of this card can save up to 15% at premium restaurants across the country.
  • The cardholder will get unlimited domestic and international lounge visits in a year.
  • One can redeem points for booking air tickets and hotels across 150+ airlines.
  • One can earn up to10,000 reward points on paying the joining fee.

Fee and Charges

First Year – Rs.10,000 + GST  if you spend less than Rs.30,000.  The charges will be waived off if you spend more than Rs.30,000

Renewal Fee – Rs.5,000 + GST

Annual Interest Rate -23.9%

HDFC Diners Club Black Credit Card

HDFC Bank Regalia First Card

Features

  • One can earn reward points by spending on all retail purchases.
  • A card user can get up to 15% discount at premium restaurants across the country.
  • 3 complimentary international lounge visits per year can be enjoyed by using this card.
  • 2 complimentary domestic airport lounge visits per quarter through Visa/Master can be availed.
  • The reward points of this credit card can be redeemed for airline, hotel and movie bookings on the HDFC Regalia website (1 point = Rs.0.3).

Fee and Charges

Annual Fee – Rs.1,000

Annual Interest Rate – 35.4%

Axis Bank Privilege Credit Card

Features

  • One can get reward points on both domestic & international retail spends.
  • An Axis Bank Privilege Credit Card user gets two complimentary access to select MasterCard lounges every 3 months.
  • The expenditure of Rs.2500 or more on this card can be converted into EMI.
  • One can save up to 15% at premium restaurants across the country.
  • 1% Fuel Surcharge Waiver on monthly fuel spends.
  • Every time you spend Rs.2,50,000 on your card, you will be rewarded with a gift voucher worth Rs.5,000.

Fee and Charges

Annual Fee – Rs.1,500

Annual Interest Rate – 41.75%

Axis Bank Privilege Credit Card

Kotak PVR Platinum Credit Card

Features

  • On the expenditure of Rs.10,000/- and above in a monthly billing cycle, you will get 2 PVR cinema tickets.
  • Using this card for watching movies in PVR will make you get discounts up to Rs. 400.
  • The facility can be enjoyed throughout the country.
  • An Insurance cover for a lost or stolen credit card will be provided along with the card.
  • No joining fee is charged while availing this credit card.

Fee and Charges

Annual Fee (Second year onwards) – Rs.999

Annual Interest Rate – 40.8%

Kotak PVR Platinum Credit Card

ICICI Bank Coral Credit Card

  • One can earn up to 10,000 payback points every anniversary year.
  • One complimentary domestic airport lounge visit can be enjoyed per 4 months.
  • One complimentary domestic railway lounge visit per quarter is proved to the cardholder
  • Discount on 2 complimentary movie tickets every month through www.bookmyshow.com.
  • A Minimum of15% can be saved on dining bills on selected restaurants.

Fee and Charges

Joining fee of Rs. 500 + GST

Annual fee of Rs. 500 + GST from 2nd year onward

Annual Interest Rate – 40.8%

ICICI Bank Coral Credit Card

How to Apply for a Lifestyle Credit Card

In order to apply for a credit card, you can visit the card provider’s website. All the credit card providers give an option to apply online for a credit card. One can easily apply through the website of the card provider. The next way to get a credit card is via Direct Selling Agents (DSA). One can compare a number of credit cards in those platforms and can avail the best one for an individual. Moreover, the DSA representatives help you to find the best card according to your eligibility.

The Eligibility to Get a Credit Card

The eligibility to avail a credit card vary from card provider to card provider. One has to visit the website of the card provider to get detailed information on the same. An interested person can call customer support team of the card provider to know about the credit card eligibilities.

How to Apply For a Lifestyle Credit Card

The Documents Required for a Credit Card

  • Copy of identity proof such as Aadhaar card, passport, Voter’s ID etc.
  • Copy of address proof document such as Voter’s ID, Aadhaar, driving license, electricity bill, passport, etc., whichever holds your current address
  • PAN card copy
  • Two months’ salary slips or IT Returns
  • Duly signed in application
  • 1 passport size photograph

The documents mentioned here are the basic documents which almost all card providers demand. Whereas, some card providers may demand more or fewer documents which are listed above.

The Concluding Lines

The credit cards mentioned above are just a few picks from the galore of credit cards available in the market. One should first analyse the needs and spending habits so that the best lifestyle credit card can be selected.