Best Lifestyle Credit Cards in India 2022
List of Best Credit Cards for Lifestyle in India
- HDFC Regalia Credit Card
- SBI Prime Credit Card
- HDFC Diners Club Black Credit Card
- Bank of Baroda Eterna Credit Card
- IndusInd Bank Pinnacle World Credit Card
- HDFC Freedom Credit Card
Credit Card | Best For | Annual Fee (INR) | Best Features |
---|---|---|---|
HDFC Bank Regalia Credit Card | Anniversary | 2500 | 10,000 Reward when you spend Rs. 5 lakhs in the anniversary year. 25% off at 2000+ premium restaurants |
SBI Prime Credit Card | Gift Voucher | 2999 | 1,000 Bonus spends of Rs. 50,000 in a year. 5X Reward on Dining, Departmental stores, Grocery, and Movies |
HDFC Bank Diners Club Black Credit Card | Dining | 10000 | 2X Reward on weekend dining. 5 Reward Points for every Rs 150 spent |
Bank of Baroda Eterna Credit Card | Travel & Dining | 2499 | 15 Reward for every ₹ 100 spent on Travel, International transaction, Dining and online shopping |
IndusInd Bank Pinnacle World Credit Card | E-Commerce & Golf | 12999 | Besr Reward for E-commerce transactions. 2 complimentary golf games and 4 complimentary golf lessons per month |
HDFC Freedom Credit Card | Birthday | 500 | 25X reward points on your birthday spends. 5X reward points for spends on dining/ movies/ groceries/ railways/ taxis |
6. HDFC Freedom 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 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 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
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
- 2X on weekend dining
Fuel Surcharge Waiver
-
- 1% fuel surcharge waiver at all fuel stations across India
- 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
- 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
- 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 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
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
- 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