Golf, concierge, spa, airport transfers and premium lifestyle perks. Ranked by perk value and breadth.
66 cards ranked | Updated February 2026
Market value of benefits
Number of perk types
How often you can use
Concierge quality
Score: 90377
Score: 2603
Score: 1635
Score: 1633
Score: 1565
Score: 1428
Score: 1350
Score: 1235
Score: 1224
Score: 1140
Score: 1029
Score: 1022
Score: 986
Score: 962
Score: 939
Score: 889
Score: 889
Score: 865
Score: 814
Score: 812
Score: 795
Score: 785
Score: 756
Score: 746
Score: 723
Score: 719
Score: 706
Score: 670
Score: 655
Score: 654
Score: 634
Score: 617
Score: 616
Score: 602
Score: 564
Score: 559
Score: 553
Score: 533
Score: 487
Score: 472
Score: 437
Score: 435
Score: 432
Score: 406
Score: 397
Score: 393
Score: 384
Lifestyle benefits transform your credit card into a premium membership. Golf access alone can be worth ₹2-5K per round, spa sessions ₹1.5-3K, and meet & greet services ₹3-5K per use.
Perk types weighted by market value:
24x7 concierge availability adds +60 points; priority customer care adds +25.
Only if you'll use them. 8 complimentary golf rounds worth ₹24,000 justify a ₹10,000 annual fee for golfers. Non-golfers get zero value from this perk.
Lifestyle benefits can deliver exceptional value for the right user. Identify which perks you'll actually use before choosing a card based on lifestyle benefits.
