Best Premium Credit Cards in India

Searching for the best premium credit card in India? Here we will list the top premium credit cards in India for you to choose from. You can find everything from cashback to lounge access, complimentary hotel stays, and business-class tickets with these cards.

Name of Credit Card and Bank	Joining Fee	Annual Fee
Axis Bank Burgundy Private Credit Card	Rs.50 Lakh (Nil charges for Burgundy Private clients)	NIL
Axis Bank Reserve Credit Card	Rs.50,000 + Tax	Rs.50,000 + Tax
IDFC FIRST Private Credit Card	Rs.50,000 + Tax	Rs.50,000 + Tax
Axis Bank Magnus Credit Card	Rs.12,500 + GST	Rs.12,500 + GST
ICICI Emeralde Private Metal Credit Card	Rs.12,499	Rs.12,499
YES Private Credit Card	Rs.50,000 + Tax	Rs.10,000 + Tax
American Express Centurion/Black	Approx. Rs.9.75 Lakh to Rs.11.50 Lakh + GST	Approx. Rs.2.75 Lakh + GST
American Express Platinum Card	Rs.60,000 + GST	Rs.60,000 + GST
SBI Aurum Credit Card	Rs.9,999 + Tax	Rs.9,999 + Tax

We will take a look at the cards one by one in detail.

1. HDFC Infinia Credit Card Metal Edition

The HDFC Infinia Credit card is one of the premium credit cards in India. It is a metal card with a premium look that is invite-only. You can make contactless payments using this card and it comes with a host of benefits.

Suitable for: People interested in rewards from shopping and travel. It is also good for people who want lounge access for the add-on card member.

Joining Fee	Rs.12,500 + Tax
Annual Fee	Rs.12,500 + Tax
Features and Benefits	Complimentary nights & buffet at participating ITC hotels Complimentary Club Marriott membership for the first year Unlimited airport lounge access across the globe for primary and add-on member Unlimited complimentary domestic airport lounge access 5 reward points for every Rs.150 spent Earn up to 10X reward points on your travel and shopping spends on Smartbuy 24X7 global personal concierge Unlimited Complimentary golf games and coaching at leading courses across India and select courses across the world Zero lost card liability 1% fuel surcharge waiver at all fuel stations across India on transactions between Rs.400 and Rs.1 Lakh Renewal fee waived off on spending a minimum of Rs.10 Lakh in the preceding year Accidental air death cover worth Rs.3 Crore Emergency overseas hospitalization up to Rs.50 Lakh Credit shield cover for up to Rs.9 Lakh
Customer Care	18002663310 \| 022-61717606 (For customers traveling overseas)

2. Axis Bank Burgundy Private Credit Card

The Burgundy Private Credit card is also known as The One Card. It brings credit, debit, and forex into one card making it one of the super premium credit cards in India.

To be eligible for this card, savings account holders need to maintain a total relationship value of Rs.5 Crore within 12 months of account initiation. However, if you are a salary account holder, you should have a net monthly salary of Rs.10 Lakh or more.

Suitable for: High-net-worth individuals who want travel, entertainment, lifestyle, and dining benefits.

Joining Fee	Rs.50 Lakh (Nil charges for Burgundy Private clients)
Annual Fee	Nil
Features and Benefits	No cash withdrawal charges or interest will be levied till the payment due date Zero forex mark-up 15 eDGE reward points for every Rs.200 spent 24x7 concierge services Complimentary EazyDiner Prime membership 50 complimentary rounds of golf per year Complimentary ticket on every ticket purchased for 5 movies and 5 non-movie shows, per month, on BookMyShow Fuel surcharge waiver of 1% for transactions up to Rs.400 per month between Rs.400 to Rs.4,000 Complimentary concierge service for 8 airport visits Unlimited lounge access at international airports for Priority Pass and add-on Priority Pass holders, limited to 12 for accompanying guests Unlimited lounge access at domestic airports for primary and add-on cardholders, limited to 12 for accompanying guests Complimentary hotel and dining memberships, including Club Marriott, Accor Plus, and Taj Epicure Up to 15% off and stay privileges at Postcard hotels Up to 15% off on international & domestic Oberoi and Trident Hotels Up to 30% discounts on conveyance to airports all over the world Diagnoses at leading medical institutions and consultations with world-class medical specialists for second opinions Global travel and medical assistance during international travel
Customer Care	18604195555 \| 18605005555 \| 18001035577

3. Axis Bank Reserve Credit Card

The Axis Bank Reserve Credit card is a reward-based card and one of the top premium credit cards in India. It is a card well-suited for frequent travelers as it provides concierge services, lounge access, and discounts on hotel bookings.

Suitable for: People seeking high-end living, golf privileges, annual benefits, and unforgettable weekends.

Joining Fee	Rs.50,000 + Tax
Annual Fee	Rs.50,000 + Tax
Features and Benefits	Unlimited complimentary domestic and international lounge visits for primary and add-on cardholders; visits are limited to 12 for accompanying guests 8 complimentary VIP assistance complimentary concierge services 4 complimentary luxury airport pickup and drop services in a year Club ITC Culinaire, Accorplus, and Club Marriott Asia Pacific memberships Offers at domestic and international Oberoi and Trident hotels and Postcard hotels 50 complimentary golf rounds every year across golf courses in India Complimentary EazyDiner Prime membership Book 1 movie or non-movie ticket and get up to Rs.500 or Rs.1000 off on the second ticket, respectively, for a maximum of 5 times a month on BookMyShow Annual fee waived off on spending Rs.35 Lakh in the previous year No cash withdrawal charges Fuel surcharge waiver of 1% up to Rs.400 in a month for transactions between Rs.400 to Rs.4,000 APR of 3% on extended credit Purchase protection of Rs.2 Lakh and credit shield of Rs.5 Lakh
Customer Care	18004190065

4. IDFC FIRST Private Credit Card

Another one of the premium credit cards in India is the metal invite-only IDFC First Private Credit Card. You get various kinds of reward points and benefits, including membership benefits.

Suitable for: Affluent, high-net-worth customers who want to simplify their investment portfolio management.

Joining Fee	Rs.50,000 + Tax
Annual Fee	Rs.50,000 + Tax
Features and Benefits	Club ITC Culinaire Select and Accor Plus Explorer memberships Welcome benefits of 1 Lakh reward points worth Rs.25,000 Spend Rs.15 Lakh within the first 6 months and get a Taj Experiences Signature Dining Voucher 0% forex markup and cash withdrawal Unlimited complimentary domestic and international airport spa lounge visits for primary and add-on cardholders; visits limited to 4 in a year for accompanying guests Unlimited railway lounge access in India Trip cancellation cover of up to Rs.50,000 twice a year on flight and hotel bookings Travel and air accident cover of up to Rs.1 Crore Discounts of up to Rs.1,500 every month on movie and event bookings Unlimited complimentary access to golf rounds and lessons 10X, 3X, and 1X reward points on monthly spends, rent/education-related payments, and insurance premium payments, respectively
Customer Care	180010888

5. Axis Bank Magnus Credit Card

The Axis Bank Magnus Credit Card is made for a luxurious lifestyle. You are eligible for this card if you are an Indian citizen, your age is between 18 and 70, and you have a minimum annual income of Rs.24 Lakh.

Please note that the 24X7 concierge service has been discontinued from 20th April 2024.

Suitable for: High spenders looking for travel and milestone benefits.

Joining Fee	Rs.12,500 + GST
Annual Fee	Rs.12,500 + GST
Features and Benefits	Enjoy unlimited complimentary visits at select domestic airports in India Get unlimited complimentary visits to international airport lounges Up to 15% off at International and domestic Oberoi & Trident hotels Avail up to 40% discount at over 4000 restaurants in India Insurance benefits such as purchase protection, lost card liability, air accident cover, and more
Customer Care	18004190065

6. ICICI Emeralde Private Metal Credit

One of the top premium credit cards by ICICI Bank is the Emeralde Private Metal Credit Card. This too is an invite-only card and offers a variety of benefits in the shopping and travel categories.

Suitable for: People looking for reward points on spending in grocery, utility, education, and insurance spends.

Joining Fee	Rs.12,499
Annual Fee	Rs.12,499
Features and Benefits	Annual fee waived off on spending Rs.10 Lakh or more in the previous year Up to 3 add-on cards with the primary card Complimentary Taj Epicure membership for 1 year and Eazydiner Prime membership every year Welcome bonus of 12,500 ICICI reward points 6 reward points for every Rs.200 spent Spend Rs.4 Lakh in one year and get 1 EaseMyTrip air travel voucher, spend Rs.8 Lakh and get 2 vouchers
Customer Care	18001080

7. YES Private Credit Card

Most of the cards among the super-premium credit cards in India are invite-only, just like the YES Private Credit Card. This is a reward-based credit card and you get travel benefits and other premium perks.

Suitable for: Frequent travelers who want luxury and exclusive rewards.

Joining Fee	Rs.50,000 + Tax
Annual Fee	Rs.10,000 + Tax
Features and Benefits	Annual fee waived off on spending Rs.25 Lakh in the previous year 20 and 40 reward points on domestic and international spends, respectively, on every Rs.200 spent 0.50% foreign currency markup charges Oberoi e-gift vouchers worth Rs.9,000 Annual benefits of Rs.4 Lakh and more Complimentary access to 850 lounges in over 120 countries worldwide, guest visit access capped at 12 Airport concierge services
Customer Care	18602101200 \| 18001031212 \| 18001036000

8. American Express Centurion/Black

This is debatably the most premium credit card in India and the world. It is also called the Amex Black card, and it is a status symbol.

The card is made of anodized titanium and is an invitation-only charge card issued by American Express. You have to be a platinum cardholder to be invited to apply for the Centurion Black card.

Suitable for: Super rich and high-net-worth individuals who fly business class frequently and want luxury.

Joining Fee	Approx. Rs.9.75 Lakh to Rs.11.50 Lakh + GST
Annual Fee	Approx. Rs.2.75 Lakh + GST
Features and Benefits	Hilton Hotels Diamond, Accor Hotels Platinum, Shangri La Inner Circle Gold, British Airways Gold, and Etihad Airways Gold memberships Access to Centurion relationship managers and 24X7 concierge services Up to 7 Amex Platinum supplementary cards at no cost Special rates at selected hotels and restaurants Free Meet and Greet services at selected cities Unlimited priority pass access to airport lounges 3.5% foreign currency mark-up
Customer Care	18004192122

9. American Express Platinum Card

The other premium card offered by American Express is the Platinum Card. It is also available in Travel and Reserve variants. You can apply for the American Express Platinum Credit card only through invitation-only events.

Suitable for: Individuals who want a high-end card with great reward points and exclusive benefits.

Joining Fee	Rs.60,000 + GST
Annual Fee	Rs.66,000 + GST
Features and Benefits	Spend Rs.20 Lakh in a year and get renewal fee waived off and vouchers up to Rs.35,000 Air accident insurance, overseas medical insurance, purchase protection Benefits worth Rs.44,300 on booking any hotel out of the 1000+ properties under the Fine Hotels & Resorts collection Various travel benefits 3X membership reward points on every spend abroad 20X rewards on 20+ luxury brands 1 membership reward for every Rs.40 spent Pay with points or redeem points 5X membership reward points on every purchase through Reward Multiplier Up to 50% off at over 1800 premium restaurants in India Complimentary membership to EazyDiner Prime Exclusive invites to VIP-only events
Customer Care	18004191255 \| 0124 670 2600 \| 01246736950

10. SBI Aurum Credit Card

This is a premium segment metal credit card offered by the State Bank of India. You get various membership, travel, golf, BookMyShow, etc. benefits.

Unlike most premium credit cards, this one is not an invitation-only card. You should be 21 or 25 years old if you are salaried or self-employed, respectively, to be eligible for this card. Your annual gross income should be a minimum of Rs.40 Lakh.

Suitable for: People looking for an affordable premium credit card.

Joining Fee	Rs.9,999 + Tax
Annual Fee	Rs.9,999 + Tax
Features and Benefits	AURUM reward points worth Rs.10,000 as a welcome benefit Complimentary memberships in travel, lifestyle, and wellness categories Complimentary 1 year Club Marriott membership, digital subscription to The Wall Street Journal and Mint Complimentary DreamFolks membership and access to 1000+ International Airport Lounges Forex markup of 1.99% on international transactions 4 complimentary domestic airport lounge visits per quarter for primary and add-on cardholder 1 complimentary spa access at select domestic airports every quarter 16 complimentary golf rounds per year, limited to 4 per quarter 12 complimentary golf lessons per year Various benefits and offers via BookMyShow
Customer Care	18605002000