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Best Premium Credit Cards In India
Premium credit cards cater to the high-income group. You get unlimited airport lounge access, and complimentary dining access at premium hotels, spas, and golf clubs. Premium credit cards also offer low markup fees on foreign currency transactions. You can earn reward points for every spending. Premium credit cards are provided in the categories of travel, dining, and lifestyle. Choose the best premium credit card that suits your expenses and makes your 2024 worthwhile.About Best Premium Credit Cards In India
Top 5 Premium Credit Cards And Their Features
Find the rewards, benefits, and features of the top 5 premium credit cards for 2024.
HDFC Bank Infinia Credit Card Metal Edition
Metallic card with- 12,500 reward points welcome bonus on card activation and renewal bonus on fee realisation.
- Get 5 reward points for spending every Rs 150
- Get 10X reward points on travel and shopping
- Renewal fee waiver on spending Rs 10 lakhs or more in the preceding 12 months.
- 1% fuel surcharge waiver on spending between Rs 400 and Rs 100,000
Get complimentary
- Club Marriott membership
- 1 night stay at ITC when you book for 3 nights, 1 buffet at ITC
- Unlimited access to select golf clubs across the world
- Dine Out passport program with 25% discount at premium restaurants and zero convenience fees
- The personal concierge offers VIP services during travel.
- 2000+ airport lounge access.
Insurance
- Get accidental air death cover up to Rs 3 crore.
- Emergency hospitalisation overseas up to Rs 50 lakhs
Fees
- Joining and renewal fees of Rs 12,500 plus GST.
Read to know :How to Get Credit Card Offers
HDFC Bank Diners Club Black Card
Reward points
- Get 5 reward points for spending every Rs 150
- Get 10X reward points on SmartBuy
- Get 2X reward points for dining
Get complimentary
- 6 golf club access across the world per quarter.
- Membership of Marriott, Forbes, Swiggy One, Amazon Prime, MMT Black, and Times Prime.
- Vouchers from Ola, BookMyShow, TataCliq, and cult. fit on spending over Rs 80,000 per month.
- Unlimited 1000+ Airport lounge access
Waiver
- 1% fuel surcharge for a minimum spend of Rs 400.
Insurance
- Get accidental air death cover up to Rs 2 crore.
- Emergency hospitalisation overseas up to Rs 50 lakhs
Fees
- Joining and renewal fees of Rs 10,000 plus GST.
Reward points
- Get a welcome gift of Rs 5,000
- Get 5 reward points for dining and departmental store spends
- Get 2X reward points on all other spends (including international transactions) for every Rs 100 except fuel
- Get 10,000 reward points on annual spends of more than Rs 3 lakhs
- Get 50,000 reward points worth Rs 12,500 every year
Get complimentary
- Movie tickets of Rs 6,000
- 2 domestic airport lounge access every quarter and 6 international airport lounge access every year.
- Club Vistara Silver membership
- Trident Privilege membership
Waiver
- 1% fuel surcharge for a minimum spend of Rs 500 to Rs 4,000.
Fees
- Joining and renewal fees of Rs 4,999 plus GST.
Axis Bank Reserve Credit Card
Reward points
- Get 50,000 points on card activation and renewal
- Get 15 Edge reward points for every Rs 200 spent
- Get 5 reward points for dining and departmental store spends
- Get 2X reward points on international spends
Get complimentary
- 1st health wellness coaching plan
- A second opinion with internationally renowned doctors
Other benefits
- Healthcare packages from leading healthcare providers like Metropolis, Dr.Lal Pathlabs
- Exclusive assistance for global travel relating to health.
Waiver
- 1% fuel surcharge for a minimum spend of Rs 400 to Rs 4,000.
- Annual fee waived on spending more than Rs 25 lakhs in the preceding year.
Insurance
- Get a credit shield of Rs 5 lakhs
- Get purchase protection of Rs 2 lakhs
- Get lost card liability to the extent of the credit limit
Fees
- Joining and renewal fees of Rs 50,000 plus GST.
- Lowest markup of 1.5% on foreign currency transactions.
Citi Prestige Credit Card
Reward points
- Get 2,500 reward points as a welcome gift.
- Get 1 reward point on every Rs 100 domestic spend.
- Get 2 reward points for every Rs 100 international spend
- Get 4 Frequent Flyer Air Miles for transfer of reward points to airline partners
- Annual relationship bonus worth Rs 24,000 on annual spends.
Get complimentary
- 4th-night stay at premium hotels
- 4 rounds and 15 lessons at select 15 golf clubs
- Vouchers worth Rs 10,000 from Taj, ITC every year
- Taj Inner Circle Epicure plan
- 1300 unlimited airport lounge access
Other benefits
- Special Prestige Concierge for daily tasks
Insurance
- Overseas medical insurance worth USD 50,000
- Air accident insurance worth Rs 5 crores
Fees
- Joining and renewal fees of Rs 20,000 plus GST.
Other Premium Credit Cards To Watch Out For In 2024
Credit Card | Annual Fee | Highlights |
|---|---|---|
American Express Platinum Credit Card | Rs 60,000 | Domestic travel benefits worth Rs 30,000 and a lot more. |
HDFC Infinia Credit Card | Rs 10,000 | Taj Epicure Plus Plan & Club Vistara Gold membership |
SBI Aurum Credit Card | Rs 10,000 | 40,000 welcome reward points worth Rs 10,000 |
Rs 10,000 waived on spending more than Rs 15 lakhs in the preceding year. | Tata Cliq vouchers worth Rs 10,000 | |
Rs 10,000 waived on spending more than Rs 1 lakh within 90 days | Welcome bonus of 10,000 points | |
Rs 5,000 | Welcome bonus of 6,000 reward points worth Rs 6,000 | |
Rs 3,500 | Welcome bonus of 5,000 points | |
Bank Of Baroda Eterna Credit Card | Rs 2,500 | Welcome bonus of 10,000 reward points on spending Rs 50,000 within 60 days. |
IndusInd Bank Legend Credit Card | No annual fees. | Complimentary golf access, movie tickets, EazyDiner membership |
Standard Chartered Priority Visa Infinite Credit Card | No annual fees. | 5x reward points on international spends and 2x reward points on domestic spends |
No annual fees | 10x rewards on spending above Rs 20,000 | |
Dhanlaxmi Bank Platinum Credit Card | No annual fees. | 5% cashback on movies and groceries |
Note that the benefits discussed in the table are highlights of the card. Refer to the product catalogue for complete details.
Conclusion
Premium credit cards provide lots of benefits on all your grocery, movie, dining, travel, and medical expenses. The reward points can be redeemed with popular brands as vouchers. Premium credit cards also offer higher credit limits than regular credit cards. Get premium credit cards and enjoy the elite lifestyle.
FAQs of Premium Credit Cards in India
1. What is the minimum income for a premium credit card?
The minimum net monthly income for getting a premium credit card is Rs 50,000 and it increases according to the type of card.
2. What is the difference between premium and platinum credit cards?
Premium cards are deemed to have accelerated reward redemption than platinum credit cards.
3. What is the credit limit offered on premium credit cards?
Premium credit cards offer a minimum credit limit of Rs 1 lakh to a maximum of Rs 20 lakh. The credit limit purely depends on the credit score and net monthly income of the applicant.
4. Can I use my full credit limit?
It is advisable to use up to 30% of your credit limit to maintain a good credit score. Using the full limit of your credit card means that you are credit thirsty. It can also create apprehensions about your repayment capacity.
5. Whether add-on cards are also eligible for benefits enjoyed by the main card?
Yes in most cases. But it is advisable to read the Most Important Terms and Conditions (MITC) of your credit card carefully.