Best Lifestyle Credit Cards in India 2022

List of Best Credit Cards for Lifestyle in India

Credit CardBest ForAnnual Fee (INR)Best Features
HDFC Bank Regalia Credit CardAnniversary250010,000 Reward when you spend Rs. 5 lakhs in the anniversary year. 25% off at 2000+ premium restaurants
SBI Prime Credit CardGift Voucher29991,000 Bonus spends of Rs. 50,000 in a year. 5X Reward on Dining, Departmental stores, Grocery, and Movies
HDFC Bank Diners Club Black Credit CardDining100002X Reward on weekend dining. 5 Reward Points for every Rs 150 spent
Bank of Baroda Eterna Credit CardTravel & Dining249915 Reward for every ₹ 100 spent on Travel, International transaction, Dining and online shopping
IndusInd Bank Pinnacle World Credit CardE-Commerce & Golf12999Besr Reward for E-commerce transactions. 2 complimentary golf games and 4 complimentary golf lessons per month
HDFC Freedom Credit CardBirthday50025X reward points on your birthday spends. 5X reward points for spends on dining/ movies/ groceries/ railways/ taxis

6. HDFC Freedom Credit Card

HDFC Freedom Lifestyle Credit Card
HDFC Freedom Credit Card

Joining and Annual fees- ₹2499

Reward points

  • 25X reward points on your birthday spends
  • 10X reward points on PayZapp & SmartBuy spends
  • 5X reward points for spends on dining/ movies/ groceries/ railways/ taxis
  • 1 reward point on every spend of ₹150 and above(1 Point = 10 p)

Gift Voucher

  • Get gift voucher worth 1000 on annual spends of 90,000 and higher
  • welcome and renewal benefit of 500 reward points on fee realization

Fuel Surcharge Waiver

  • 1% fuel surcharge waiver at all fuel stations across India (minimum trasaction of ₹400 to ₹5000

Extra Features

  • Upto 3 add on credit cards for free
  • Zero liability on lost card if reported immediately
  • You should be between the age of 21 to 60 years Salaried Person
  • You should be between the age of 21 to 65 years self-employed Person
  • Salaried or self-employed both are eligible
  • Salaried person gross Income above ₹12,000 per month
  • Self-employed gross Income ₹12 Lakhs per annum
  • Joining & Renewal Fees – ₹500 +Taxes
  • Spend ₹50,000 in a year and get a waiver of next year’s annual fees

5. IndusInd Bank Pinnacle World Credit Card

IndusInd Bank Pinnacle World Lifestyle Credit Card
IndusInd Bank Pinnacle World Credit Card

Joining and Annual fees- ₹12999

Reward points

E-commerce transactions ₹ 100 spent = 2.5 reward points
E-com travel and airline transactions ₹ 100 spent = 1.5 reward points
E-com utility transactions ₹ 100 spent = 1 reward point

 

Golf Benefits-

  • Avail of 2 complimentary golf games and 4 complimentary golf lessons per month with this card. Complimentary Hole-in-One insurance worth Rs. 20,000 can also be availed

Fuel Surcharge Waiver

  • 1% fuel surcharge waiver at all fuel stations

Welcome gift

  • Oberoi Hotel gift voucher

Extra Benefits

  • Enjoy the ‘Buy One Get One’ offer on movie tickets on BookMyShow. The maximum discount for each ticket is capped at Rs. 200. 3 free tickets can be availed in a month.
  • You should be between the age of 18 and 65 years
  • Salaried or self-employed both are eligible
  • Salaried individuals income₹ 10 lakh per annum
  • Self-employed income ₹ 12 lakh per annum
  • Joining fee Rs. 12,999
  • No Annual Fee

4. Bank of Baroda Eterna Credit Card

Bank of Baroda Eterna
Bank of Baroda Eterna Credit Card

Joining and Annual fees- ₹2499

Reward points

  • 3 reward points for every ₹ 100 spent (1 reward point = ₹ 0.25 p)


Milestone Rewards

  • 10,000 bonus reward points on spending ₹ 50,000 within first 60 days
  • 20,000 bonus reward points on spending ₹ 5,00,000 in a year

Lifestyle Benefit

  • 15 reward points for every ₹ 100 spent on online shopping
  • Buy 1 get 1 free movie ticket at paytm movies

Dining Privileges

  • 15 reward points for every ₹ 100 spent on dining

Travel Benefit

  • 15 reward points for every ₹ 100 spent on Travel and International transaction

Fuel Surcharge Waiver

  • 1% fuel surcharge waiver at all fuel stations across India on transactions between Rs.400 and Rs.5,000

Extra Benefits

  • Zero Lost Card Liability
  • You should be age between 21 to 65 years
  • Add-on cardholder should be over 18 years
  • Salaried & Self-employed both are eligible
  • Minimum Income Rs. 12 lakhs per annum
  • Must be resident of India
  • Joining and Renewal Fee Rs. 2499

3. HDFC Bank Diners Club Black Credit Card

HDFC Bank Diners Club Black Credit Card
HDFC Bank Diners Club Black Credit Card

Joining and Annual fees- ₹1000

Reward points

    • 5 Reward Points for every Rs 150 spent
    • Up to 10X Reward Points via SmartBuy

Welcome Benefit

  • Complimentary Annual memberships of Club Marriott, Forbes, Amazon Prime, Zomato Pro, MMT BLACK and Times Prime by spending 1.5 lakhs within the first 90 days or upon first year

Dining Benefit

    • 2X on weekend dining

Fuel Surcharge Waiver

    • 1% fuel surcharge waiver at all fuel stations across India

Lounge Access

    • Unlimited Airport lounge access to 1000+ Lounges in India and worldwide for primary and add-on card members

Milestone Benefit

    • 2 benefits amongst cult.fit Live 1 month membership or BookMyShow or TataCLiQ or Ola cabs vouchers worth Rs. 500 every month on spends of Rs. 80,000

Extra Features

  • Reporting it immediately with in 24-hour HDFC call centre, you have zero liability on any fraudulent transaction
  • 1.99% on all your foreign currency spends
  • Complimentary Annual memberships of Club Marriott, Forbes, Amazon Prime, Zomato Pro, MMT BLACK and Times Prime

  • Complimentary Ola cabs, cult.fit Live, BookMyShow, TataCliQ vouchers on spends of over Rs. 80,000 every month

Insurance/ protection cover

  • Air accident insurance cover worth Rs 2 crore
  • Emergency overseas hospitalisation: Rs. 50 Lacs
  • Travel Insurance Cover of up to INR 55,000 on baggage delay
  • Credit Liability Cover of up to ₹9 Lakh
  • You should be between the age of 21 to 60 years Salaried Person
  • You should be between the age of 21 to 65 years self-employed Person
  • Salaried or self-employed both are eligible
  • Salaried person gross Income ₹1.75 Lakhs per month
  • Self-employed gross Income ₹21 Lakhs per annum
  • Joining & Renewal Fees – ₹10,000
  • Spend Rs. 5 Lakhs in 12 Months and get Renewal Fee waived for next renewal year

3. SBI Prime Credit Card

SBI Prime Lifestyle Credit Card
SBI Prime Credit Card

Joining and Annual fees- ₹2999

Reward points

  • 5X Reward Points on Dining, Departmental stores, Grocery, and Movies
  • 2 Reward Points per Rs. 100 on all other spends

Fuel Surcharge Waiver

  • 1% fuel surcharge waiver across all fuel stations on transactions between Rs. 500 to Rs. 4,000

Welcome Gift

  • Rs. 3,000 worth welcome gift vouchers (Spend, Bata/ Hush Puppies, Pantaloons, Shoppers Stop, you can redeem your e-Gift Voucher)

Lounge Access

  • 8 complimentary Domestic Airport Lounge visits every quarter in India
  • 4 complimentary Airport Lounge visits per calendar year, outside India

Milestone Privileges

  • Get Pizza Hut e-Voucher worth Rs. 1,000 Bonus spends of Rs. 50,000 in a year
  • Waiver of Renewal Fee on annual spends of Rs. 3 Lakhs
  • E-Gift Voucher worth Rs. 7,000 from Yatra.com/Pantaloons on annual spends of Rs. 5 Lakhs

Trident Privilege Membership

  • Complimentary Trident Privilege Red Tier membership
  • Get exclusive 1,000 Welcome Points on registration
  • Enjoy 1,500 Bonus Points on your first stay & additional Rs. 1,000 hotel credit on extended night stay
  • 10% instant saving on bookings through hotel website
  • Earn 10 points for every Rs.100 spent during you stay at participating hotels

Club Vistara Membership

  • Complimentary Club Vistara Silver membership
  • Get 1 complimentary Upgrade Voucher
  • Earn 9 Club Vistara Points for every Rs. 100 spent on Vistara flights

Birthday Benefit

  • Enjoy 20 Reward Points per Rs. 100  spent on your birthday
  • You should be between the age of 18 to 70
  • Salaried or self-employed both are eligible
  • Minimum Income Rs. 30,000 per month
  • Joining and Renewal Fee Rs. 2,999 +Taxes
  • Renewal Fees Reversal, for Welcome gift worth Rs. 3,000

1. HDFC Bank Regalia Credit Card

HDFC Bank Regalia Credit Card
HDFC Bank Regalia Credit Card

Joining and Annual fees- ₹2500

Reward points

    • 10,000 Reward Points on Rs. 5 lakhs spends
    • 5,000 Reward Points on Rs. 8 lakhs spends in an anniversary year
    • 4 Reward Points on every Rs.150 spent

Dining Benefit

    • Assured flat 25% off at 2000+ premium restaurants
    • 1+1 on buffet at 200+ restaurants
    • Additional 5% off and Zero convenience fee

Fuel Surcharge Waiver

    • 1% fuel surcharge waiver at all fuel stations across India (minimum trasaction of ₹400

Lounge Access

    • 12 Complimentary Domestic Lounge Access per calendar year
    • Swipe your Regalia credit card at the lounge to avail the complimentary lounge access

Milestone Benefit

    • Earn Bonus 10,000 Reward Points when you spend Rs. 5 lakhs in the anniversary year.
    • Earn additional 5,000 Reward Points when you spend Rs. 8 lakhs spends in the anniversary year

Extra Features

  • Reporting it immediately with in 24-hour HDFC call centre, you have zero liability on any fraudulent transaction
  • 2% on all your foreign currency spends

Insurance/ protection cover

  • Accidental air death cover worth Rs. 1 Crore
  • Emergency overseas hospitalization: up to Rs. 15 lakhs​​​​​​​
  • Lost Card Liability Cover : Upto Rs 9 lakhs
  • You should be between the age of 21 to 60 years Salaried Person
  • You should be between the age of 21 to 65 years self-employed Person
  • Salaried or self-employed both are eligible
  • Salaried person gross Income above ₹1 Lakhs per month
  • Self-employed gross Income ₹12 Lakhs per annum
  • Joining & Renewal Fees – ₹2500+ Taxes
  • Renewal fee waived off if you spend more than 3L in the previous year

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