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 |
---|---|---|
Rs.50 Lakh (Nil charges for Burgundy Private clients) |
NIL |
|
Rs.50,000 + Tax |
Rs.50,000 + Tax |
|
Rs.50,000 + Tax |
Rs.50,000 + Tax |
|
Rs.12,500 + GST |
Rs.12,500 + GST |
|
Rs.12,499 |
Rs.12,499 |
|
Rs.50,000 + Tax |
Rs.10,000 + Tax |
|
Approx. Rs.9.75 Lakh to Rs.11.50 Lakh + GST |
Approx. Rs.2.75 Lakh + GST |
|
Rs.60,000 + GST |
Rs.60,000 + GST |
|
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 |
|
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 |
|
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 |
|
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 |
|
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 |
|
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 |
|
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 |
|
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 |
|
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 |
|
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 |
|
Customer Care |
18605002000 |