Best Lifestyle Benefits
Golf, concierge, spa, airport transfers and premium lifestyle perks. Ranked by perk value and breadth.
161 cards ranked | Updated December 2025
Key Ranking Factors
Market value of benefits
Number of perk types
How often you can use
Concierge quality
Score: 150547
Score: 2758
Score: 2386
Priority Visa Infinite
Score: 1938
BOBCARD Eterna Credit Card
Score: 1689
HDFC Infinia Metal Edition
Score: 1467
BOBCARD Select Credit Card
Score: 1445
AU SPONT Credit Card
Score: 1443
EazyDiner Platinum Credit Card
Score: 1425
Score: 1393
Tiger Credit Card
Score: 1390
Score: 1280
Score: 1266
Score: 1246
Score: 1241
PNB Pride RuPay Platinum
Score: 1192
Score: 1170
Score: 1163
Avios Visa Infinite (British Airways)
Score: 1117
Score: 1112
Score: 1102
PNB Rakshak Plus RuPay Select
Score: 1093
PNB RuPay Select Credit Card
Score: 1048
Canara Bank RuPay Select Credit Card
Score: 1048
American Express Centurion
Score: 1031
Score: 998
AU Ixigo Credit Card
Score: 980
Standard Chartered Rewards Credit Card
Score: 976
BOBCARD Premier Credit Card
Score: 940
Canara Bank Mastercard World Credit Card
Score: 940
BOBCARD Easy Credit Card
Score: 902
HDFC Diners Club Privilege
Score: 902
YES First Exclusive
Score: 902
Score: 870
HDFC Diners Club Black Metal Edition
Score: 864
Union Bank RuPay Select Credit Card
Score: 860
Score: 821
American Express Platinum
Score: 779
Fi AmpliFi Credit Card
Score: 766
HDFC Regalia First
Score: 763
Score: 763
Score: 752
Score: 735
About Lifestyle Rankings
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.
How We Rank Lifestyle
Perk types weighted by market value:
- Golf (10x): ₹2-5K per round market value
- Meet & greet (9x): Premium airport service
- Airport transfers (8x): ₹2-4K per trip value
- Spa (6x): Luxury wellness access
- Concierge (5x): Ongoing convenience value
24x7 concierge availability adds +60 points; priority customer care adds +25.
Perk Value
Higher is betterRelevance
Will you use themWhat Makes Great Lifestyle Benefits
- Perks you'll use: Golf benefits are worthless if you don't play
- Frequency: Unlimited or high-count perks deliver more value
- Quality partners: Access to premium venues matters
- Ease of redemption: Benefits should be easy to actually use
Who Values Lifestyle Benefits
- Golf enthusiasts seeking course access
- Frequent travelers wanting airport services
- Those who enjoy spa and wellness experiences
- Anyone who values premium concierge services
Maximizing Lifestyle Benefits
- Track all perks: Many cardholders forget about available benefits
- Book in advance: Popular golf courses and spas require early booking
- Use concierge: Good concierge services can handle complex requests
- Calculate value: Add up what you'd pay retail for used benefits
Lifestyle FAQ
Are lifestyle benefits worth premium annual fees?
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.
Bottom Line
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.