Those who enjoy the thrill of clubbing, watching movies in premium theaters, and traveling with premium comforts and special privileges should apply for a premium lifestyle credit card. These cards are designed to offer you exclusive deals on lifestyle categories, saving you a lot of money each month/year.
However, finding the appropriate credit card can be challenging. We have therefore listed here 16 of our favorite lifestyle credit cards. We hope this helps you in making an informed decision.
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American Express Platinum Charge Card
If you are looking for a premium quality credit card to sync with your super-premium lifestyle then the american express platinum charge card will be a decent choice for you. Targeting the notch section of Indian credit card users this card offers unlimited free access to airport lounges, exclusive deals on dining, accelerated rewards on every transaction, and lots more. You can find more about the benefits in the complete american express platinum charge card review.

What are the american express platinum charge card fees?
- American express platinum charge card joining fee: Rs. 60,000 + GST (for the first year only)
- American express platinum charge card annual fee: Rs. 60,000 + GST (From the second year onwards)
100xGain Rating:
8/10
What are the american express platinum charge card benefits?
- This american express credit card gives you free access to most of the premium airport lounges along with exclusive privileges.
- On this platinum charge card american express offers up to 25% discount at 1000+ premium hotels and restaurants.
- You will get 5X rewards points for every Rs.40 transaction made through the rewards multiplier.
- This card comes with huge american express platinum charge card insurance coverage protection.
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ICICI Bank Emeralde Credit Card
The icici bank emeralde credit card is not just a credit card that is very nice to look at, this icici credit card packs a real punch, offering unlimited free access to airport lounges, complimentary golf rounds, huge discounts on gym membership, and lots more. To know more about the benefits, make sure to take a look at the complete icici emeralde credit card review.



What are the icici emeralde credit card fees?
- ICICI emeralde credit card joining fee: Rs. 12,000 + GST
- ICICI emeralde credit card annual fee: Rs. 12,000 + GST
100xGain Rating:
8/10
What are the major icici emeralde credit card benefits?
- This icici bank emeralde credit card features unlimited free access to domestic and international airport lounges along with unlimited free spa access at domestic lounges. You can find more details about the icici emeralde credit card lounge access benefit from the complete review.
- On this emerald credit card icici bank offers a 15% discount on the annual membership of Anytime Fitness gym center.
- You can get up to 4 complimentary golf rounds/lessons every month.
- On this emerald credit card icici bank offers some exclusive deals on movie tickets.
Pros and Cons of the icici emeralde credit card:
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Kotak Mahindra Bank Royale Signature Credit Card
The kotak mahindra bank royale signature credit card is unmatched when it comes to premium privileges at an affordable rate. It is one of the semi-premium credit cards offered by Kotak Mahindra Bank. Targeting the Indian middle-income group customers, it offers a load of benefits like free access to airport lounges, exclusive discounts on fuel surcharges, etc. This kotak royale credit card comes in two variants, one with a joining fee and the other one without a joining fee. More about them are discussed in the complete kotak mahindra royale signature credit card review.



What are the kotak royale signature credit card fees?
- Kotak mahindra royale signature credit card joining fee: None
- Kotak royale credit card annual fee: Rs. 999 + GST(The free variant of this card is exclusively available for Privy league Optima and Insignia Customers)
100xGain Rating:
7.5/10
What are the kotak royale signature credit card benefits?
- You will get free access to domestic airport lounges along with premium privileges. You can find more about the lounge access benefits from the complete kotak royale signature credit card review.
- You can earn up to 4X kotak reward points for every Rs.150 transaction, you can also redeem those points from the kotak royale signature credit card reward points redemption catalog.
- This royal signature kotak card also features a priority attend service which can provide you assistance almost instantly.
- You can also earn up to Rs.3500 annual waiver on fuel surcharges.
Pros and Cons of the kotak royale signature credit card:
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SBI Pulse Credit Card
To sync with the Indians’ growing interest in fitness, lifestyle, and global exposure, The State Bank of India has launched the sbi pulse credit card. It is a one-of-a-kind credit card that comes with a noise colorfit pulse SmartWatch as a welcome gift. Targeting the huge youth population base of India, SBI has tailored this card with a plethora of healthcare and lifestyle benefits, more about them are discussed in the complete sbi pulse credit card review.



What are the SBI pulse credit card fees?
- SBI pulse credit card joining fee: Rs. 1499 + GST
- SBI pulse credit card annual fee: Rs. 1499 + GST
100xGain Rating:
8/10
What are the major sbi pulse credit card benefits?
- This sbi pulse credit card features 8 free access to domestic airport lounges.
- On this pulse credit card sbi offers a complimentary priority pass membership which can give you free access to airport lounges.
- You will get complimentary one year fitpass pro membership.
- This sbi credit card also offers 10 reward points for every Rs.100 transaction made on medicines, movies, and dining expenses.
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If you want to know about sbi credit card payment methods then make sure to take a look at our SBI faq page.
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Axis Bank Reserve Credit Card
The axis bank reserve credit card is the most premium credit card offered by axis bank. While this card charges Rs. 30,000 as an annual fee, it lets you enjoy; unlimited free access to airport lounges, complimentary golf rounds, huge discounts on dining expenses, and lots more. If you are interested and want to know about the axis bank reserve credit card eligibility criteria, then make sure to take a look at the complete axis bank reserve credit card review.



What are the axis bank reserve credit card fees?
- Axis bank reserve credit card joining fee: Rs. 30,000 + GST
- Axis bank reserve credit card annual fee: Rs. 30,000 + GST
100xGain Rating:
7/10
What are the axis bank reserve credit card benefits?
- This axis bank reserve credit card features unlimited free access to domestic and international airport lounges.
- You will get up to 50 complimentary golf rounds every year.
- On this reserve credit card axis bank offers up to 25% discount at premium restaurants across India.
- There are also some very attractive deals on movie tickets. The movie offer is available 5 times in an axis bank credit card statement cycle.
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Federal Bank Visa Celesta Credit Card
If you are looking for a premium quality credit card at an affordable rate, then you should take a look at the federal bank visa celesta credit card. At an annual fee of just Rs.3,000 per year, it lets you enjoy free access to domestic and international airport lounges, exclusive discounts on dining expenses, attractive deals on movie tickets, and lots more. If you want to know more about the benefits then feel free to take a look at the complete federal bank celesta credit card review.



What are the federal bank visa celesta credit card fees?
- Federal bank credit card joining fee: Rs. 3000 + GST
- Federal bank credit card annual fee: Rs. 3000 + GST
100xGain Rating:
7/10
What are the federal visa celesta credit card benefits?
- Using this card you can get free access to domestic (4 per quarter) and international airport lounges (2 per year), you can find more about the federal visa celesta credit card airport lounge access benefit from the complete review.
- There is a 15% discount on dining expenses on this card.
- You can earn up to 3X reward points from travel and international expenses.
- Using this federal bank celesta credit card you can get some exclusive deals on movie tickets.
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Indusind Bank Legend Credit Card
When it comes to premium features at an affordable rate, the indusind bank legend credit card is almost impossible to replace. It lets you enjoy huge discounts at premium bars and restaurants, complimentary priority pass membership with free lounge access, free golf rounds, and lots more. You can find more about the indusind bank legend credit card benefits from the complete indusind bank legend credit card review.



What are the indusind bank legend credit card fees?
- IndusInd bank signature legend credit card joining fees: Rs. 9999 + GST
- IndusInd bank legend credit card annual fee: None.
100xGain Rating:
7/10
What are the indusind bank signature legend credit card benefits?
- This indusind bank legend credit card offers up to 25% to 50% discount at premium bars and restaurants.
- You will get a complimentary priority pass membership with this indusind legend credit card. This card also offers some complimentary lounge access through the Visa lounge program.
- On this legend credit card indusind bank offers a complimentary golf round along with a complimentary golf lesson every month.
- If you book a movie ticket using this card you will get another one completely free.
Pros and Cons of the indusind bank signature legend credit card:
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SBI Aurum Credit Card
The sbi aurum credit card is a super premium credit card offered by the state bank of india. It is an invite-only credit card that SBI has specially crafted for its high net worth customers. Just like other premium credit cards, this card is also stuffed with exclusive deals and premium privileges, like unlimited free access to airport lounges, attractive deals on dining, free movie tickets, and lots more. Make sure to read the complete sbi aurum credit card review to know more about the benefits.



What are the sbi aurum credit card fees?
- Aurum sbi credit card joining fee: Rs. 10,000 + GST
- Aurum sbi credit card annual fee: Rs. 10,000 + GST
100xGain Rating:
7.5/10
What are the sbi aurum credit card benefits?
- This sbi aurum credit card features 4 quarterly access to domestic airport lounges and unlimited free access to international airport lounges.
- For the users of the aurum credit card sbi offers 4 free movie tickets every month.
- You will also get a complimentary EazyDiner and Zomato prime membership.
- You can earn up to 4 reward points for every Rs.100 transaction.
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If you want to know how to get sbi aurum credit card activated for the first time? Then feel free to take a look at our SBI faq page.
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Citi Prestige Credit Card
The citibank prestige card is one of the most popular premium credit cards in India. Targeting the high-net-worth Indian credit card users this card offers unlimited free access to airport lounges, complimentary golf rounds, exclusive deals on hotel booking, and lots more. Feel free to read the complete citi prestige credit card review to know more about the benefits.



What are the citibank prestige credit card fees?
- Citi prestige credit card joining fee: This Will be discussed at the time of card issuance.
- Citi prestige credit card annual fee: This Will be discussed at the time of card issuance.
100xGain Rating:
7.5/10
What are the citi prestige credit card benefits?
- This citi prestige card gives you unlimited free access to 1300+ priority pass lounges.
- You will get 4 free golf rounds/lessons every year.
- You will get a complimentary Taj InnerCircle membership with this card.
- Also, this citibank credit card offers some exclusive deals on hotel booking.
Pros and Cons of the citi bank prestige credit card:
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If you want to know how to check citi bank card status then feel free to take a look at our faq page.
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Yes Prosperity Edge Credit Card
When it comes to premium benefits at an affordable rate there are only a few credit cards available that can outrank the yes prosperity edge credit card. At an annual fee of just Rs.399, it lets you enjoy free golf rounds, free access to airport lounges, powerful rewards on every transaction, and lots more. Feel free to read the complete yes prosperity edge credit card review to know more about the benefits.



What are the yes prosperity edge credit card fees?
- Yes prosperity edge credit card joining fee: Rs. 399 + GST
- Yes prosperity edge credit card annual fee: Rs. 399 + GST
100xGain Rating:
7/10
What are the yes prosperity edge credit card benefits?
- This yes prosperity edge credit card offers free access to domestic and international airport lounges.
- You will also get up to 4 free golf rounds every year from this yes bank yes prosperity edge credit card.
- You can earn up to 4 edge rewards for every Rs.200 transaction.
Pros and Cons of the yes bank platinum prosperity edge credit card:
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If you want to know about how to set a yes prosperity edge credit card limit then feel free to take a look at our faq page.
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IndusInd Bank Celesta Credit Card
If you are looking for an affordable way to add a touch of luxury to your lifestyle, then the indusind bank celesta credit card would be a decent choice for you. Making your already premium lifestyle more premium, this card offers; unlimited free access to domestic airport lounges, exclusive discounts on car rental, attractive deals on dining, and lots more. Make sure to read the complete indusind bank credit card review to know more about the benefits.



What are the indusind bank credit card charges?
- Indusind celesta credit card joining fee: Rs. 50,000 + GST
- Indusind celesta credit card annual fee: Rs. 5,000 + GST
100xGain Rating:
7/10
What are the indusind bank credit card benefits?
- You will get unlimited free access to domestic airport lounges.
- This indusind bank credit card offers you a 10% discount on Hertz car rental service.
- You will get a flat 25% discount at 600+ premium restaurants across India.
- Using this card you can get up to 3 complimentary golf rounds every month.
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For queries like; indusind bank credit card online payment? You can visit our faq page.
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Yes Premia Credit Card
The yes premia credit card is a good option for those who are looking for an affordable way to make their lifestyle more premium. Targeting the educated class of Indian credit card users the yes premia credit card offers huge discounts on movie tickets, complimentary golf rounds, free airport lounge access, etc. feel free to go through the complete yes premia credit card review to know more about the benefits.



What are the yes premia credit card charges?
- Yes premia credit card joining fee: Rs. 999 + GST
- Yes premia credit card annual fee: Rs. 999 + GST
100xGain Rating:
6.5/10
What are the yes bank premia credit card benefits?
- You can get up to a 25% discount on movie tickets booked using this yes bank credit card.
- This yes bank premia credit card offers you free access to domestic and international airport lounges. Click here to find more about the yes bank premia credit card lounge access benefits.
- You can enjoy 4 complimentary golf rounds at some of the premium golf courses in India.
- You can earn up to 6 reward points for every Rs.200 transaction.
Pros and Cons of the yes bank premia credit card:
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If you have queries like how to close yes bank credit card account? Or how to redeem yes bank credit card points? Then make sure to take a look at our faq page.
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IndusInd Bank Indulge Credit Card
The indusind bank indulge credit card is one of the most premium credit cards offered by Indusind Bank. Targeting the notch section of Indian credit card users, this indulge card features; attractive golf benefits, attractive deals on movies, free access to airport lounges, and lots more. To know more about the indusind bank credit card benefits, make sure to take a look at the complete indusind bank indulge credit card review.



What are the indusind bank indulge credit card fees?
- IndusInd bank indulge credit card joining fee: Rs. 2,00,000 or Rs. 1,00,000
- IndusInd bank indulge credit card annual fee: Rs. 10,000 or None for the Rs. 2,00,000 joining fee variant.
100xGain Rating:
7/10
What are the major indusind bank indulge credit card benefits?
- This indusind credit card offers up to 6 complimentary access to domestic and international airport lounges.
- If you use this indusind bank card to book a movie ticket you will get another one completely free.
- On this indulge credit card indusind bank also offers some exclusive deals on golf.
- This card doesn’t have any pre-set spending limit.
Pros and Cons of the indusind indulge credit card:
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Kotak White Credit Card
The Kotak White credit card is one of the best low-cost premium credit cards available in India. This white kotak credit card focuses upon the needs of the notch section of Indian credit card users. To add more value to your transactions, this card offers a very powerful reward scheme. You will also get a complimentary priority pass membership and fraud liability coverage with this kotak bank card. To know more about the benefits make sure to read the complete kotak white credit card review.



What are the kotak white credit card charges?
- Kotak white credit card joining fee: Rs. 3000 + GST
- Kotak white credit card annual charges: Rs. 3000 + GST
100xGain Rating:
7/10
What are the kotak white signature credit card benefits?
- On this white credit card kotak bank offers you free access to domestic (8 access per year) and international (4 accesses per year) airport lounges.
- You will also get a complimentary priority pass membership with this kotak mahindra white credit card.
- This kotak bank white credit card features a very attractive milestone benefit scheme.
- You can earn White passes worth up to Rs. 27,000 every year.
Pros and Cons of the kotak bank white credit card:
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For queries like; how to check kotak bank credit card status? or how to redeem kotak credit card points? then feel free to take a look at the Kotak FAQ page.
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RBL Bank Icon Credit Card
The rbl bank icon credit card is a great choice for Indian credit card users looking to add a touch of luxury to their lifestyle. While the card charges a high annual fee, it lets you enjoy your weekends with complimentary golf rounds, make your travel comfortable with complimentary lounge access, and enjoy evenings with free movie tickets. You can find more about the benefits from the complete rbl bank icon credit card review.



What are the rbl bank icon credit card fees?
- RBL bank icon card joining fee: Rs. 5000 + GST
- RBL bank icon credit card annual fee: Rs. 5000 + GST
100xGain Rating:
6.5/10
What are the rbl bank icon credit card benefits?
- On this icon credit card rbl bank offers up to 2 free quarterly access to most of the frontline domestic airport lounges.
- You can enjoy some complimentary golf rounds at most of the premium domestic golf courses.
- If you use this card to book a movie ticket, you will get another one completely free.
- This rbl bank icon credit card features 20 reward points for every Rs.100 spent on dining expenses.
What are the pros and cons of the rbl icon credit card:
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If you have some queries about your rbl bank icon credit card then feel free to take a look at our FAQ page.
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FBB SBI Styleup Credit Card
The sbi fbb styleup credit card is a uniquely designed card for shopping enthusiasts. Offering attractive deals on shopping, accelerated reward on dining expenses, and handsome waiver on fuel surcharges, this card brings so much value with it that it can easily offset the Rs. 499 annual fee. Make sure to read the complete sbi fbb styleup credit card review to know more about the benefits.



What are the fbb sbi styleup card fees?
- SBI fbb credit card joining fee: Rs. 499 + GST
- FBB sbi styleup credit card annual fee: Rs. 499 + GST
100xGain Rating:
7/10
What are the sbi fbb styleup credit card benefits?
- This fbb sbi styleup credit card features a flat 10% discount at Fbb and Big Bazar stores.
- You can also earn up to 10X rewards on the transactions made at BigBazar, Food Bazaar, Fbb stores, and also on dining expenses. You can also redeem your points from the sbi fbb styleup credit card reward points redemption catalog.
- This fbb sbi credit card also offers a 1% waiver on fuel surcharges.
Pros and Cons of the sbi styleup card:
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If you want to know how to set fbb sbi styleup card credit limit? or how to check fbb sbi styleup credit card application status? then make sure to take a look at our SBI faq page.
All of the above-mentioned cards have their own specialties. Some are known for providing lounge access, while others offer excellent golf and shopping deals. It is therefore important to think about how you will use a particular card before choosing it. A card with exclusive lounge benefits won’t be useful to you if you don’t travel often.
Therefore, choose your card wisely. Also, make sure you use your credit card properly to maximize its benefits. You can find more information on proper credit card usage on our FAQ page.
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