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

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