Lifestyle Credit Cards:-Due to the rising income levels of the average Indian, shifting lifestyle habits, and a desire for novel products and experiences, lifestyle credit cards are more popular than ever in India. Banks offer a variety of lifestyle cards to assist you in achieving your lifestyle objectives and selecting a specific standard of living. As a result, lifestyle cards are a reflection of your personality. You now have a lot of options for lifestyle cards to choose from because there is so much competition among credit card issuers. These cards were made specifically to accommodate customers’ various needs and budgets.
Lifestyle Credit Cards
There are a lot of different kinds of cards available today, making it hard to pick one that works best for you. Before submitting an application for a credit card, it is critical to contrast its features, benefits, and fees. This will assist you in selecting the most suitable card for your lifestyle. You are entitled to a number of benefits if you have a credit card. It makes it easy to make payments, gives you access to a wide range of discounts and rewards, and, as long as you pay your bills on time, it helps you build a good credit history that will make you eligible for loans in the future.
Choosing between the various sorts of cards available today might be challenging. Before applying for a credit card, it’s essential to identify and contrast the characteristics, advantages, and costs of the cards you’re interested in. With picking out the best card for your lifestyle, this will help you. Having a credit card gives you several advantages. It enables you to 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. It provides you with convenient payment options, access to a wide range of discounts and rewards, and helps you establish a positive credit history.
Lifestyle Credit Cards Details
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About LifeStyle Credit Card
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.
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 in selecting the most suitable card for your lifestyle.
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 Card Features
Lifestyle Credit Cards offer reward points, just like any other credit card. The reward points program is different for each bank or company that gives them out. It is determined by how much you spend with your credit card. These reward points are calculated differently by various credit card issuers, and you can redeem them later in accordance with their guidelines. For instance: You can earn 4 Reward Points with the HDFC Diners Club Premium credit card for every Rs. 150 you spend in stores. 3 points for Rs may be offered by another bank.
150 spent on online shopping with accelerated points. With your credit card rewards, you can exchange these Reward Points for free airline miles with major airlines or loyalty points at international hotels, making your next vacation almost free. Additionally, you can use your points to purchase vouchers and gifts from an exclusive rewards catalog.
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 flights, hotels, 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.
Airport lounge access
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.
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. We can avoid paying the surcharge with lifestyle credit cards because most of them waive it when used for fuel purchases.
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
If you’re looking for a credit card that will fit into your lifestyle, look no further than the top 5 lifestyle credit cards. These cards offer great rewards programs and flexible terms that make them perfect for people who want to improve their financial situation while enjoying the benefits of a good lifestyle. We’ve picked out the five best lifestyle credit cards and outlined their features and benefits so that you can decide which is the right card for you. So whether you’re looking to boost your spending power or reward yourself for a job well done, these cards are sure to fit the bill.
Kotak Bank PVR Platinum Credit Card
The Kotak PVR Platinum credit card is designed for people who love movies and live for the extravagance they bring to their lives. 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 unauthorize
- transactions. For both primary and supplementary cards, the annual insure amount is Rs. 75,000.
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 granter to cardholders, this premium credit card from Axis Bank provides customers with a number of benefits that are relate 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 redeemer 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 reserve.
- Customers will need to swipe the privilege card three times within two months of receiving this gift in order to receive it. Vouchers will be added to the cardholder’s record as 2 vouchers, both worth Rs.2,500. They will have access to these vouchers for a period of four months after receiving them.
Jet Privilege HDFC Bank Diners Club Credit Card
Combining the best of both Jet Airways and Diners Club along with the best of offers from HDFC, the Jet Privilege HDFC Bank Diners Club Credit Card allows customers to enjoy numerous benefits on dining out and flight bookings with Jet Airways. Made for those who have a taste for the luxurious, this card is perfect for frequent travelers.
Features of Jet Privilege HDFC Bank Diners Club Credit Card
- Cardholders, upon procuring this card will receive a welcome gift wherein they receive 15 Jet Privilege Tier Points on the first swipe of their card within the first 3 months of getting the card. Customers will have to be a member of the Jet Privilege Frequent Flier Club or will have to enroll in this programmer during the time of receiving their credit card.
- Membership Tier can be upgrade or maintain through the Jet Privilege Tier Points that is earned through credit card spends on flight bookings.
HDFC Bank Diners Club Black Credit Card
A credit card with one of the best Reward programs, HDFC Bank Diners Club Black credit card offers a number of benefits regarding dining, travel and golf. This lifestyle credit card comes with a plethora of benefits and features.
Features of the HDFC Bank Diners Club Black credit card
- Customers can apply for an insurance protection through these HDFC Bank Diners Club credit card to avail air accident coverage that is worth Rs.2 crore, emergency medical expense coverage that is worth up to Rs.50 lakhs, credit liability coverage that is worth Rs.9 lakhs and travel insurance coverage that is worth up to Rs.55,000 in case of delay of baggage.
Eligibility For Lifestyle Credit Cards
The eligibility for lifestyle credit cards is different for different cards. Hence, it is recommend to check the bank’s website to know the eligibility criteria specific to the bank and the credit card.
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 process by banks in 7 to 10 days if the applicant passes all verification checks.
Documents Require To Apply For A Lifestyle Credit Card
Some basic documents require to apply for a lifestyle credit card are provide below. However, banks may request for some other documents base on the card type.
- 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 singe in application
- 1 passport size photograph