Apply for LifeStyle Credit Cards

  • HDFC Bank
  • ICICI Bank
  • Citi
  • RBL
Reviews (12)

reward type


annual fee


joining fee


  • Get Rs. 1,000 Shoppers Stop vouchers on Rs. 75,000 spends every 6 months.
  • Enjoy shopping with Shoppers Stop vouchers of total worth Rs. 2,000 every year.
  • Earn a CashBack of more than Rs. 4,000 on RP accumulated by spending Rs. 5 lakh on your card.
  • Save Rs. 1,500 in a year on your fuel transactions
  • 3 Reward Points on Rs. 150 spent. 50% more Reward Points on dining and grocery spends
  • Annual fee - Nil (if applied online)
  • Atleast 2 photos and signature bearing national identity cards
  • Proof of address -Ration card,electricity bill etc. can be submitted
  • PAN card, Form 16 and the Income Tax Returns Statement

reward type


annual fee


joining fee


  • Get a complimentary Priority Pass Membership for preferential and free access to 600 airport lounges around the world.
  • Enjoy a complimentary Taj Epicure Plus Membership Card that entitles you to some very exquisite benefits* at Taj Hotels and Resorts.
  • Reward Points each time you stay, 10% discount on the rack rate at Taj Leisure Hotels in India, 10% discount on telephone and fax usage charges, 15% discount on laundry and 20% discount on business centre services.
  • Unparalleled protection with air accident cover up to Rs. 1 crore and overseas emergency hospitalization cover of Rs. 12 lakh
  • Earn 8 reward points on all purchases at and 6 reward points for every Rs.150/- dining spends and 4 reward points for every Rs. 150/- other spends.
  • APR - 23.88% p.a
  • Atleast 2 photos and signature bearing national identity cards
  • Proof of address -Ration card,electricity bill etc. can be submitted
  • PAN card, Form 16 and the Income Tax Returns Statement

reward type


annual fee


joining fee


  • 2X Cash rewards on dining, groceries and at supermarkets
  • 2 complimentary domestic airport lounge visits per quarter
  • 2 complimentary movies every month under the Buy One Get One offer through
  • Minimum 15% savings on dining bills at over 800 restaurants across India through Culinary Treats Program
  • Earn 4 PAYBACK points for every Rs.100/- spent on dining, groceries & shopping at supermarkets
  • APR - 40.8% p.a
  • Joining fee - 500 (on spends of atleast 1,000 within 60 days)
  • Application form with 2 photographs
  • ID proof (any one) - PAN,Passport,Driver's license, Voter ID
  • Address proof (any one) - Passport,Utility bill, Aadhar, Driver's license, Lease agreement
  • Salaried - Salary slip for 3 months
  • Self employed - Office address proof, latest 3 months bank statement, audited financials for last 2 yrs and latest 6 months balance sheet

About LifeStyle Credit Card in India

Increasing income levels of the average Indian, changing lifestyle habits and the thirst for new products and new experiences has made lifestyle credit cards more popular than ever in India. Banks offer a myriad of lifestyle cards that are aimed at fulfilling your lifestyle wants and enable you to choose a certain standard of living. In this way, lifestyle cards are a reflection of your personality. Today, you have a wide variety of lifestyle cards to choose from, given the amount of competition from credit card issuers. These cards are specifically designed to suit the varying needs and budget of customers.

There are a wide range of cards available in the market today and it can be very confusing to decide which one is the best for you. Before applying for a credit card, it is very important to compare and contrast the features, benefits and fees of the credit cards you want to apply. This will help you to find out the best card suited for your lifestyle.

There are many advantages of owning a credit card. It has the advantage of convenient payment options, gives you access to a world of discounts and rewards, and helps you build a positive credit history (provided you pay your dues consistently, every month) which will enable you to be eligible for loans later in life.

Lifestyle Credit Card Features

Rewards Points

Similar to any other credit card, Lifestyle Credit Cards offer reward points. The reward points program differs according to the bank or firm that issues it. It is based on the amount that you spend using your credit card. Different credit card issuers calculate these reward points differently and you can redeem these points later as per the issuer’s norms. For example: The HDFC Diners Club Premium credit card enables you to earn 4 Reward Points for every Rs.150 spent at retail outlets. Another bank may offer 3 points for Rs. 150 spent with accelerated points for online shopping. You can exchange these Reward Points for free air miles with leading Airlines or for loyalty points at international hotels, making your next holiday almost free thanks to your credit card rewards. You can also redeem your points against gifts and vouchers from an exclusive rewards catalogue.

Likewise, swiping your RBL Bank Platinum Delight Credit Card for your lifestyle shopping needs earns you 2 Reward Points on every Rs. 100 spent, which you can later redeem for exciting gifts.

Kindly note that the number of Reward Points accrued varies with each and every card issuer.

Travel/Dining/Concierge feature

In today’s fast paced world, travel has become necessary and using the right lifestyle credit card can reward you with many travel privileges. These cards offer luxury and convenience to your travel in the form of free access to select exclusive airport lounges, concierge services, dining reservations etc. For example: You can gain exclusive access to partner lounges across India when you present your ICICI Bank Coral Visa or MasterCard Credit Card.

Lifestyle credit cards offer significant discounts at thousands of restaurants across India. You can enjoy up to 20% savings across 2000 partner restaurants with Citibank Rewards credit card.

There are some credit card issuers that offer Golfing perks, for those who want to live their life in style! HDFC’s Diners Club Premium Credit Card provides 24/7 golf concierge services at select golf courses across India, while Citi Prestige Credit Card enables you to access select golf courses worldwide.

Some of the cards that gives handsome rewards for lifestyle include spends SBI Platinum Credit Card which gives 5X Reward Points on all Dining, Grocery, Departmental and International spends, and Citibank Rewards Card which gives accelerated Reward Points on online merchant partner spends.

Lifestyle Credit Card Benefits

Your lifestyle card is packed with benefits in the form of shopping discounts, cashback on retail spends (which you can redeem against your credit card statement) and specialized insurance cover. In order to avail certain benefits, you need to swipe the card within first 30 days of credit card activation and spend a pre-fixed amount on your credit card.

How to Choose the Best Lifestyle Credit Card

When you look for a lifestyle credit card, you must look at the following criteria:

  • Your Lifestyle Spending pattern: Examine your lifestyle habits and decide what you would like to use your credit card for. If you are an online shopaholic, then choose one which has benefits and reward programs specially designed for that particular purpose. There is no use going for a card which offers frequent flyer miles if you do not travel much.
  • Your credit card payment pattern: Perhaps, the most important criteria in choosing your credit card is your payment behaviour. You must make sure that you pay off your credit card dues every month, to avoid accumulating interest. Ideally, look for a credit card that offers certain lifestyle perks but which also offers the best interest rate, instead of a credit card which offers numerous rewards but a has a high interest rate. Because whatever rewards you get for spending on your card will be wiped out by the high interest rate you pay on your outstanding.
  • Fees and charges: Before applying for a lifestyle credit card, you absolutely need to be aware of the fees and charges of each of the cards. Then decide whether the card is worthwhile for you. Sometimes, a card may offer extremely attractive discounts and benefits but the annual fees, renewal fees, joining fees and other charges may be very high. This may strip you off the rewards that you earn on your spending.
  • Your income: You should carefully consider your monthly net income and decide whether you can afford to have a credit card which could considerably increase your expense and might possibly put you in debt. Choose wisely.

What are the eligibility criteria?

You cannot apply for any Lifestyle Card that catches your fancy since these come with certain eligibility requirements that vary with different credit card issuers. So make sure you fulfill the eligibility criteria of a particular card before applying for it, to minimize the chances of being rejected and damaging your credit score.

There are certain minimum age and income restrictions when you apply for a Lifestyle Credit Card. For example, if you want to apply for ICICI Bank Platinum card you should have a net salary of Rs. 4,80,000 per annum. For other credit cards, it can go up to as high as Rs 12,00,000 per annum. Some super Premium Lifestyle credit cards are only offered to those who have a high income bracket. So make sure that you fulfil the bank’s eligibility criteria when deciding on a credit card.

Lifestyle Credit Card Review

The features and benefits of a Lifestyle Credit Card designed so as to provide maximum benefit. Those who are looking to enhance their lifestyle and indulge themselves in luxury can opt for a Lifestyle Credit Card. It comes with various perks designed for the frequent shopper, frequent flyer and those who dine out regularly. Those looking to enhance their shopping, travel and dining experience, can opt for a Lifestyle card.

The offers along with the attractive rebates that a Lifestyle credit card offers makes it a desirable option, provided that all credit card dues are paid consistently every month.

How do I apply for a Lifestyle Credit Card?

To apply for a Lifestyle Credit Card, you can either walk into the nearest branch and submit the application or apply online. Some banks give limited period offer, like coupons or waiver on the charges for applying online. Typically, it takes up to 21 days for your credit card application to be processed.

Alternatively, if you think you need help with your credit card application and advice on eligibility, CreditMantri can guide you through the entire process and match you with the credit card that suits your needs the best.

Note: The cards mentioned in the article are merely indicative of the kinds of rewards and benefits on offer. You will need to choose your credit card based on your specific requirements.

Customer Reviews

"No more wasting time at the bank Going to a bank has always been a tedious process—waiting in line, having many unanswered questions, and always being rushed for time. For a person like me, a website like is a boon because you don’t need to waste time going to a bank at all. The application process for a card is quick and simple. Within the promised time, I got my HDFC Diners Club Platinum credit card. Good customer service, I would like to add. They were very patient with my queries and handled everything professionally. This website is useful in the sense that we get the product we are eligible for in a short span of time. All the best, Creditmantri. "

"Best Service provider I would suggest CreditMantri to anyone wholeheartedly. Their service is great. Their matching process is every simple. You just need to create your profile and all the credit cards that match your profile would be displayed. They provide excellent services online and offline as well. I had some questions regarding my credit card documentation, and every doubt and question was answered. I am happy to say I am the proud owner of a HDFC Club Rewards credit card, thanks to CreditMantri. "

"CreditMantri - The Website has it all Extremely simple and easy to access info on various finance products. I found Creditmantri through a Google search for HDFC credit cards and was curious to know what kind of service they provide. Decided to sign up and I don’t regret it one bit. For one thing, it is free. Easy to choose the credit card once you have created your profile. I got a confirmation call from their customer service regarding the card I wanted – HDFC Money Back credit card. The documentation process itself is hassle free (a bank representative comes to collect your papers – yes, their claims are true!) and you don’t need to go the bank at all. Overall, a great experience with CreditMantri. "

"Easy Process It was very easy to apply for my credit card thanks to CreditMantri and team. I easily got my HDFC Visa Regalia credit card and the customer service person involved resolved all my queries satisfactorily. I found this a huge help considering I have never taken a credit card before. Only bit of feedback I can give is keep involving the customers more. That’s it! The range of products listed in the website is very helpful to make a comparison. Very happy!"

"Hi, first of all, I would like to say that I am a big time believer of doing things myself. But after I found that my application request for a credit card was getting rejected everywhere, I decided to apply through CreditMantri. (Incidentally, my sister recommended it and I was against availing its service at first.) I do not regret signing up with CreditMantri a bit - It turned to be the best financial decision I have ever made. I got to know that the reason why I was being rejected - due to my low credit score and making too many applications. I immediately signed up for their credit improvement services for and for help with getting a card. A couple of months later, I am proudly flaunting my ICICI Coral credit card! Great service."

"Great financial service provider! Their services are great and it takes only a minute to sign up! I wanted a credit card specially for my fuel transactions. I made my profile and within minutes I was matched up with ICICI HPCL credit card. The documentation process is fairly easy. A representative from the bank met me during my office hours and collected my documents and told me to wait for a week. I got the card within that time! The best part is the fuel surcharge is waived off with this credit card! Thanks to the CreditMantri team for making this happen. Heartily recommend it to anyone."

"Quick Response to queries! When in doubt, turn to CreditMantri! I am much delighted to use my ICICI Bank credit card, which I got through CreditMantri. I use this credit card to meet all my emergency needs. I am not stretching the truth when I say CreditMantri has the best-in-class services. I can say this confidently as I have applied through various other websites and found their customer service poor and their privacy policies substandard. But with CreditMantri, I must say that their privacy policy is excellent and I have not received any unwanted calls. Try CreditMantri if you want a quick response to your queries and want help with finding, applying and being approved for the right card."

"Swift Service! My application for a Citi rewards credit card got approved after approaching CreditMantri. It was my first time applying for a credit card. The CreditMantri executive explained the process and also the bank's norms for issue of Credit cards. I was advised in detail which I very much needed as I was still very new to credit cards and finance. I found that the service by CreditMantri to be swift and interactions with customer care executives to be cordial and helpful. Am very happy - all of my questions/doubts were addressed and clarified and I got my first card. Thank you for the services rendered."

"Thumbs up! I would describe acquiring my Citi Bank credit card process as excellent. My experience with CreditMantri was smooth, to say the least. Any query I raised gets resolved quickly, in a timely manner. Also, I am satisfied with my PremierMiles credit card and I am reaping its benefits. Very happy by the timely response, the help extended to me by the customer service team and the mature way of handling customers. Great experience."

"I approached CreditMantri for help with application for a Cashback credit card. After signing up FOR FREE (Yes, it’s really free, yay!). I felt the service rendered by team CreditMantri was awesome. I did not even need to go to the bank for giving my documents, they came to me! Brownie points! I got calls only from CreditMantri and Citi regarding my application. No calls from third-party people. This is one thing I am really happy about. Overall, I am happy with my Citi credit card, and it’s one of the best Cashback credit cards that I have (I own two other credit cards, more about it later perhaps!). Thanks, CreditMantri!"

"Happy with CreditMantri Where do I start? I don’t know whether I should talk about their easy website user interface, or about their customer service, or about their professional approach. The response which I received from CreditMantri was very helpful, and it was immediate. Talking about my IndianOil Citi credit card, well, for starters, it becomes your best friend if you own a Bullet ;) and love travelling. This is the best credit card I feel as it gives me fuel benefits. Love my bike and my fuel card. More purchase, more points, the better for me! Happy with CreditMantri. "

"Satisfied! I had been looking for a new credit card for quite a while but was confused by all the options. I chanced upon this website during my research, and I decided to sign up with CreditMantri for its services. Everything is done online, they match your profile with the best lender possible for your profile. I think it is a fantastic idea. I am very happy about the user interface, as I find it easy to understand. I received my RBL Bank Platinum Maxima Credit Card as promised! Hats off to CreditMantri as well as RBL. I got the credit card very easily and quickly (within 7 days). Overall, I am very satisfied and would recommend CreditMantri readily to anyone. "