LifeStyle Credit Cards- Lifestyle credit cards are more popular than ever in India due to the rising income levels of the average Indian, shifting lifestyle habits, and a desire for novel products and experiences. Numerous lifestyle cards are available from banks to help you achieve your lifestyle goals and select a particular standard of living. Lifestyle cards, as a result, are a reflection of your personality. Due to the amount of competition from credit card issuers, you now have a wide selection of lifestyle cards to choose from. These cards were made specifically to meet the various requirements and budgets of customers.
LifeStyle Credit Cards
There are many different kinds of cards on the market today, and choosing the one that’s right for you can be very hard. It is very important to compare and contrast the features, benefits, and fees of the credit cards you want to apply for before doing so. This will assist you with figuring out the best card appropriate for your way of life.
Possessing 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 a good credit history (as long as you pay your bills on time each month), which will make you eligible for loans in the future.
LifeStyle Credit Cards Overview
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Benefits Of Lifestyle Credit Cards
A lifestyle credit card is the best option for you if you want a credit card with a lot of benefits for major aspects of your life. Credit card issuers are adding more and more privileges to offer credit cards with comprehensive lifestyle benefits in response to shifting preferences and lifestyles.
You would have a better understanding of lifestyle credit cards if you took a more in-depth look at the benefits they provide.
Travel savings
A lifestyle credit card would undoubtedly include a travel-related benefit as travel has become an essential part of modern life. It could take the form of giving away free air miles, getting discounts on booking flights and hotels, joining frequent flyer programs, etc. Reward points can also be used to book hotels, plane tickets, and other travel arrangements.
Dining privileges
We have made dining out a regular part of our lives. Every week, new dining options will be eagerly anticipated for the weekends. Lifestyle credit cards would certainly offer privileges on dining spends, including discounts at partner restaurants across India, cashback at specific restaurants, complimentary dishes, and the chance to become a chef, among other benefits, to all of these foodies.
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Airport lounge access
Lifestyle credit cards also include free access to airport lounges at India’s domestic and international airports as part of the travel benefit. Additionally, add-on cardholders can receive complimentary membership to various priority pass programs that grant them access to exclusive lounge visits.
Health and wellness benefits
A few lifestyle credit cards partner with healthcare and wellness professionals to offer related benefits because health and wellness are important to our day-to-day lives.
Concierge services
Vacationing in another country is easier than in our own. We won’t be able to remember the trip unless we book and plan everything. All of your booking needs will be taken care of while you enjoy your vacation with lifestyle credit cards that offer exclusive concierge services. Dining referral and reservation, gift delivery, car rental referral and assistance, hotel referral and booking assistance, and other business services are among the concierge service’s services.
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Savings on fuel spends
The purchase of fuel is a weekly necessity for the majority of us. Many of us prefer to pay in cash because card transactions incur a fuel surcharge. With way of life Visas, we can try not to pay the extra charge, as it is being deferred by the vast majority of the Mastercards when used to make fuel exchanges.
Movie ticket offers
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 discounts on tickets or buy one, get one free offers.
Insurance cover
The comprehensive insurance protection offered by lifestyle credit cards is an intriguing feature. The majority of cards provide protection against things like loss of a card, lost travel documents, lost check-in baggage, and accidental death while traveling by air.
Top 5 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 provide. Customers can get up to two free monthly PVR movie tickets if 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 in any cinema as long as they spend more than Rs. 7,500 per month.
Features of Kotak Bank PVR Platinum Credit Card
- 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 all over the country and get free movie tickets from PVR. This offer is available all year long.
- The principal cardholder will be able to set the credit limit on their Kotak Bank add-on card, which will have all of the features of the principal card.
- PVR Shield is a free insurance policy that provides protection to cardholders in the event of card loss or theft as well as unauthorized transactions. For both primary and supplementary cards, the annual insured amount is Rs. 75,000.
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HDFC Bank Regalia First Credit Card
The HDFC Regalia First credit card is one of a kind from HDFC and comes with a slew of exciting benefits and privileges.
Features of the HDFC Bank Regalia First Credit Card
- Access to more than 850 airport lounges around the world is free for cardholders. Customers have access to phone, internet, fax, and even conference rooms at these lounges. Four free annual accesses to the priority pass airport lounge are available to customers who are principal cardholders.
Axis Bank Privilege Credit Card
In addition to the loyalty privileges that have been granted to cardholders, this premium credit card from Axis Bank provides customers with a number of benefits that are related to travel. The Axis Bank Privilege Credit Card also offers exclusive fuel and entertainment deals, access to airport lounges, and air miles.
Features of Axis Bank Privilege Credit Card
- When customers sign up to be privilege cardholders, they can get travel vouchers worth Rs. 5000 as a welcome gift. These vouchers can be redeemed on Yatra.com, where you can also book bs tickets and flight tickets for both domestic and international trips. Hotels and vacations can also be reserved.
- 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 vouchers 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 out with Jet Airways, combining the best of both Diners Club and Jet Airways. This card is ideal for frequent travelers who have a penchant for the opulent.
Features of JetPrivilege HDFC Bank Diners Club Credit Card
- Within the first three months of receiving this card, cardholders will receive a welcome gift consisting of 15 JetPrivilege Tier Points on their first swipe. Customers will be required to either join the JetPrivilege Frequent Flier Club when they receive their credit card or enroll in this program.
- The JetPrivilege Tier Points earned by using a credit card to book flights can be used to upgrade or maintain a membership level.
HDFC Bank Diners Club Black Credit Card
The HDFC Bank Diners Club Black credit card features one of the best reward programs and a number of dining, travel, and golf benefits. This way of life Visa accompanies a plenty of advantages and highlights.
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 for up to Rs. 55,000 in travel expenses in the event of baggage delay, Rs. 2 crore in air accident coverage, Rs. 50 lakhs in emergency medical expense coverage, and Rs. 9 lakhs in credit liability coverage.
Eligibility For Lifestyle Credit Cards
The criteria for lifestyle credit cards vary from card to card. Therefore, it is suggested that you check the website of the bank to learn about the credit card and bank-specific eligibility requirements.
Documents Required To Apply For A Lifestyle Credit Card
The following is a list of the essential documents needed to apply for a lifestyle credit card. However, depending on the type of card, banks may ask for additional documents.
- Copy of a proof of identity, such as a voter’s ID, passport, or Aadhaar card.
- Documents proving one’s address, such as a voter’s ID, Aadhaar, driving license, electricity bill, or passport, depending on which holds your current address.
- PAN card copy
- Two months salary slips or IT Returns
- Duly signed in application
- 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 for 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 inform of the subsequent application process. A credit card is processed by banks in 7 to 10 days if the applicant passes all verification checks.
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