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One way to classify cards into this category is based on annual fees. However, since we focus on value delivered instead of just one side of the cost-benefit calculation, here we looked at cards positioned to signal that you've arrived in life.

They highlight rewards like international lounge access, free golf games, exclusive tickets to events, and in some cases, access to luxury brands as part of the rewards program.

Some cards in this category are in fact cheaper on paper than some in the other categories, but have additional caveats like only being available to premium customers of the issuing bank

Who should get a Lifestyle Credit Card?

Think of a lifestyle card as a Travel or a General-Purpose credit card on steroids. The extras typically offer higher status on various airlines or hotel chains, better conversion of miles to Rupees when booking travel through the card portal. If you appreciate the added comfort and convenience, and are able to convince your bank to give you one for close to free, these make sense.

Who should not get a Lifestyle Credit Card?

Think long and hard whether the add-ons matter to you. If you don't care about having access to golf clubs across the country, or don't book at luxurious hotels, and don't really need a dedicated concierge service, you might not need the added expense. However, not all lifestyle cards are expensive.  

What to look (out) for in a Lifestyle Credit Card?

Hefty annual fees. You are after all only getting a mechanism to spend your own money. So, the status perks aside, is there enough value? With some cards, points on the banks rewards system count for twice as much as for "regular" cards. You can get better value for the same spend, especially if the card has reasonable annual spend thresholds that waiver renewal fees.

We analysed 28 lifestyle cards to arrive at our recommendations of the top three.

Our research is completely independent. We make no commisions if you click through and sign up for any of these products.

The Best Lifestyle Credit Card

HDFC Infinia
Read full review
hdfc-infinia
  • Joining Fee
  • ₹ 10,000
  • Annual Fee
  • ₹ 10,000
  • Joining Bonus
  • Taj Epicure Plus Plan and Inner Circle Gold membership & Complimentary Club Vistara Gold membership.
View Card
What we like
  • Integrated rewards redemption against flights and shopping on smartbuy
  • (Relatively) low forex markup fee of 2% on international transactions
  • Club Marriott membership gives discounted room rates (in India) and food & beverage
What we don't
  • High spend threshold of ₹ 8,00,000 to waive renewal fee
In a tweet

HDFC's most premium card with a now revamped contemporary rewards redemption site. Offers program memberships to Taj, Vistara, Marriott. Scores over the Diners Club Black by offering a lower forex markup fee on international spends. More expensive though.

Also Good Lifestyle Credit Card

RBL Insignia Preferred Banking World Card
Read full review
rbl-insignia-preferred-banking-world-card
  • Joining Fee
  • NA
  • Annual Fee
  • NA
  • Joining Bonus
  • Travel vouchers worth ₹5,000 or 20,000 points
View Card

Also Good Lifestyle Credit Card

Standard Chartered Ultimate
Read full review
standard-chartered-ultimate
  • Joining Fee
  • ₹ 10,000
  • Annual Fee
  • ₹ 5,000
  • Joining Bonus
  • makemytrip cashback up to ₹ 10,000
View Card

Also Good Lifestyle Credit Card

HDFC Diners Club Black
Read full review
diners-club-black
  • Joining Fee
  • ₹10,000
  • Annual Fee
  • ₹5,000
  • Joining Bonus
  • 5,000 reward points
View Card

Other Lifestyle Rewards credit cards we considered:

  • Axis Bank Signature
  • Axis Bank Reserve
  • ICICI Bank Sapphiro
  • ICICI Bank Rubyx Visa
  • SBI Card ELITE
  • Standard Chartered Visa Infinite
  • SBI Card ELITE Advantage
  • Allahabad Bank SBI Card ELITE
  • ICICI Bank VISA Signature
  • RBL Bank World Max Supercard
  • RBL Bank World Prime Supercard
  • Axis Bank Select
  • Karur Vysya Bank - SBI Platinum
  • Oriental Bank of Commerce - SBI Platinum
  • Bank of Maharashtra - SBI Platinum
  • Karnataka Bank SBI Platinum
  • South Indian Bank SBI Platinum
  • LVB SBI Platinum
  • Federal Bank SBI Platinum
  • KVB SBI Signature Card
  • American Express® Platinum Reserve
  • American Express® Platinum Card
  • Citi Prestige Credit Card