Best Premium Credit Cards in India

Every bank offers premium credit cards for people who live a luxurious lifestyle. They offer premium offers and services with unmatched rewards points and access to luxurious airport lounges.
    Diners Club Black
    Credithita Rating : 5

    Diners Club Black

    Rewards Rate
      For every ₹150 you spend
    • Earn 50 reward points on selected partners
    • Earn 5 reward points on all other spent
    Benefits
    Unlimited Airport lounge access to 1,000+ Lounges; 6 Complimentary Golf games per quarter; Air AccidentCover of INR 2 Crore; Emergency Medical Expenses Cover of up to INR 50 Lakh
    Fee
    ₹10,000
    SignUp Bonus
    • Complimentary Annual Memberships of Zomato Gold, Amazon Prime and more
    Card Brand
    Card Details
    • Air accident cover of ₹2 Crore.
    • Emergency Medical Expenses Cover of up to ₹50 Lakh
    • Credit Liability Cover Of up to ₹9 Lakh
    • Travel Insurance Cover of up to ₹55,000 on baggage delay (Capped to 10$ per hour restricted to 8 hours)
    • Complimentary annual memberships can be availed upon achieving annual spend milestone of Rs 8 Lakhs at the time of Card Anniversary (Card anniversary is 12 months from card open month).
    • Spend ₹5L in 12 Months and get Renewal Fee waived for next renewal year.
    • 6 Complimentary Golf games (Green fee waiver) per quarter around 20 golf courses in India and 40 golf courses world over.
    More Info for Diners Club Black
    HDFC Regalia
    Credithita Rating : 4

    HDFC Regalia

    Rewards Rate
    • Earn 4 reward points on every ₹150 you spend
    Benefits
    Airport Lounge Access Priority Pass Membership; Get 15,000 bonus points every year on spends of Rs.8Lac; Air Accident Cover of INR 1 Crore; Emergency Overseas Medical Expenses Cover of up to INR 15 Lakh
    Fee
    ₹2,500
    SignUp Bonus
    • Welcome Benefit of 2,500 Reward Points upon fee realization
    Card Brand
    Card Details
    • Complimentary Airport Lounge Access through Priority Pass Membership
    • Lowest Foreign Currency Mark-up Fee of 2% on international transactions
    • Now get 15,000 bonus points every year on spends of Rs.8 Lac
    • Use your card* to make quick transactions at merchant locations accepting contactless cards
    • Earn 4 Reward Points on every Rs. 150 spent and redeem rewards against exclusive lifestyle options
    More Info for HDFC Regalia
    Sapphiro Credit Card
    Credithita Rating : 4

    Sapphiro Credit Card

    Rewards Rate
      For every ₹100 you spend
    • 3 PAYBACK points on all(except fuel)
    • 6 PAYBACK point on International spends
    Benefits
    • 2 complimentary movie tickets every month under the Buy One Get One Free offer
    • 2 complimentary international airport lounge visits per the calendar year
    Fee
    ₹6,500
    Welcome Bonus
    • Welcome vouchers worth ₹ 10,000
    Card Brand
    Card Details
    • Get Welcome Vouchers on Shopping and Travel worth Rs 10,000 on payment of joining fee.
    • Get up to 20,000 PAYBACK points every anniversary year.
    • 4 complimentary domestic airport lounge visits per quarter, courtesy of Mastercard and American Express.
    • 2 complimentary international airport lounge visits per the calendar year and 2 complimentary domestic airport spa visit per the calendar year, under complimentary membership to Dreamfolks DragonPass Lounge Access Programme.
    • Enjoy up to 4 complimentary rounds of golf every month at the golf course of your choice based on eligible spends on your card.
    • Buy one movie/event ticket and get up to Rs 500 off on the second ticket, twice every month, through www.bookmyshow.com
    • Minimum 15% savings on dining bills at over 2,500+ restaurants across India through Culinary Treats Programme
    More Info for Sapphiro Credit Card
    Emeralde Credit Card
    Credithita Rating : 5

    Emeralde Credit Card

    Rewards Rate
      For every ₹100 you spend
    • 4 PAYBACK points on all(except fuel)
    • 1 PAYBACK point on utilities and insurance categories
    Benefits
    4 complimentary movie tickets every month under the Buy One Get One Free offer; Celebrate your birthday with Trident Hotels with a voucher worth ₹7500
    Fee
    ₹12,000
    Special
    unlimited complimentary international and domestic lounge access; Unlimited complimentary spa access at airports in India
    Card Brand
    Card Details
    • Annual benefits estimated to be around ₹3,00,000
    • Buy one ticket and get up to ₹750 off on the second ticket, up to four times every month through BookMyShow
    • The offer is valid on all movie and non-movie tickets booked through BookMyShow
    • Perfect your swing with exclusive access and privileges at the most iconic golfing greens in India and around the world, with a complimentary round/lesson of golf on every ₹50,000 or more spent on the card in the previous calendar month, up to a maximum of 4 rounds/ lessons of golf every month.
    • Enjoy a meal with your loved ones on your birthday with a dining voucher worth ₹7,500 from Trident Hotels, valid for redemption on the full menu at any Trident Hotel near you. This offer is valid only on American Express
    • Get a complimentary Gift Voucher worth ₹5,000 from Da Milano on spending ₹2,00,000 on your card in the first two months of joining. This offer is valid only on American Express
    • Exclusive discounts at VLCC, Kaya Skin Clinic, Richfeel, True Fitt n Hill and Gold’s Gym
    • Air accident insurance of Rs. 3 crore
    • Lost baggage insurance of USD 1200
    • Loss of travel document insurance of USD 500
    • Lost card liability of Rs 50,000
    More Info for Emeralde Credit Card
    SBI Elite Credit Card
    Credithita Rating : 4

    SBI Elite Credit Card

    Rewards Rate
    • Get 5X Reward Points on Dining, Departmental stores and Grocery Spends
    • Earn 2 Reward Points per ₹100 on all other spends, except fuel
    SignUp Bonus
    • Welcome e- Gift Voucher worth ₹5,000
    • For Pantaloons, Shoppers Stop and Hush Puppies /Bata you can redeem your e-gift voucher by showing the code at the respective brand store
    Fee
    ₹4,999
    Milestone Benefit
    • Earn upto 50,000 Bonus Reward Points worth ₹12,500/ year
    • Earn 10,000 bonus Reward Points on achieving annual spends of ₹3 lakhs
    Card Brand
    Card Details
    • Welcome e- Gift Voucher worth ₹5,000
    • For Pantaloons, Shoppers Stop and Hush Puppies /Bata you can redeem your e-gift voucher by showing the code at the respective brand store
    • Free Movie Tickets worth ₹6,000 every year
    • Transaction valid for at least 2 tickets per booking per month. Maximum discount is ₹250/ticket for 2 tickets only. Convenience Fee would be chargeable
    • Earn upto 50,000 Bonus Reward Points worth ₹12,500/ year
    • Earn 10,000 bonus Reward Points on achieving annual spends of ₹3 lakhs
    • Get 5X Reward Points on Dining, Departmental stores and Grocery Spends
    • Earn 2 Reward Points per ₹100 on all other spends, except fuel
    • Complimentary membership to the Priority Pass Program worth $99
    • Enjoy 2 complimentary Domestic Airport Lounge visits every quarter in India
    • Get 1 complimentary Lounge Access Voucher and 1 Upgrade Voucher
    • You are also entitled to 2 Reward Points on every ₹100 spent on International transactions.
    More Info for SBI Elite Credit Card
    Axis Bank Vistara Infinite Credit Card
    Credithita Rating : 5

    Axis Bank Vistara Infinite Credit Card

    Rewards Rate
    • 6 CV points for every ₹200 spent
    SignUp Bonus
    • Welcome aboard with a complimentary Business Class ticket
    Fee
    ₹10,000
    Milestone benefit
    • Upto 3 Business class tickets
    Card Brand
    Card Details
    • Welcome aboard with a complimentary Business Class ticket
    • 6 CV points on every ₹200 spent
    • Upto 3 Business class tickets and 10,000 CV points on milestone spends
    • Complimentary Club Vistara Gold Membership
    • Exclusive offers with Axis Bank Extraordinary weekends
    • Delectable discounts with Axis Bank Dining Delights
    • Annual Fee: ₹10,000
    • One can receive up to at least 15% discount at restaurants which are tied to the Axis Bank Dining Delights.
    • A complimentary Business class ticket is awarded for transactions that exceed ₹2.5 lakhs, ₹5 lakhs and ₹7.5 lakhs
    More Info for Axis Bank Vistara Infinite Credit Card
    American Express Platinum Credit Card
    Credithita Rating : 4.5

    American Express Platinum Credit Card

    Rewards Rate
    • Earn 2.5 Membership Reward points for every ₹100 spent
    • Get 3X Membership Reward points on abroad spent
    Benefits
    • Access over 1,200 of the finest Airport Lounges globally
    Fee
    ₹60,000
    SignUp Bonus
    • Earn 1,00,000 Welcome Bonus Membership Rewards Points or get stay vouchers from Taj, SeleQtions and Vivanta Hotels worth ₹45,000
    Card Brand
    Card Details
    • Earn 1,00,000 Welcome Bonus Membership Rewards Points or get stay vouchers from Taj, SeleQtions and Vivanta Hotels worth ₹45,000
    • Access over 1,200 of the finest Airport Lounges globally
    • 50% off on suites at Oberoi Hotels and Resorts
    • 25% off at Taj, SeleQtions and Vivanta Hotels
    • Get 3X Membership Reward points on everything, every time you spend abroad.
    • Also earn 2.5 Membership Reward points for every ₹100 spent
    • Points never expire.
    • Point Value 50Ps to ₹1
    • Elite Tier Benefits
      • Taj InnerCircle Silver Tier
      • Marriott Bonvoy™ Gold Elite Status - Value: ₹20,000
      • Hilton Honors Gold Status - Value: ₹10,000
      • Radisson Rewards Gold Status
      • Hertz Gold Plus Rewards
      • Shangri-La Golden Circle’s Jade Tier Value
    More Info for American Express Platinum Credit Card
    Citi Prestige Credit Card
    Credithita Rating : 4

    Citi Prestige Credit Card

    Rewards Rate
    • Earn 1 reward point per ₹100 spent on domestic transactions
    • Earn Get 2 reward points per ₹100 spent on internationall
    Benfits
    • Get free unlimited priority pass lounge access to over 800 airports, worldwide
    • Based on your relationship with Citibank, get up to 50% bonus reward points every month.
    Fee
    ₹20,000
    SignUp Bonus
    • Welcome bonus miles worth ₹4,500
    Card Brand
    Card Details
    • Get benefits worth ₹38,000+ in first year
    • Welcome bonus miles worth ₹4,500*
    • Taj Group/ ITC Hotels vouchers of ₹10,000*
    • Reward points worth ₹24,000** on annual spends
    • Never expiring reward points
    • Epicure Plan of Taj InnerCircle membership
    • Complimentary Priority PassTM lounge access for primary as well as add-on card members
    • Instantly Pay with Points at select partners
    • Get 1 reward point per ₹100 spent on domestic transactions
    • Get 2 reward points per ₹100 spent on international
    • Based on your relationship with Citibank, get up to 50% bonus reward points every month.
    • On annual spends of ₹24 Lacs. Cashback value per point - 1 rupee. Benefits rounded down to nearest fifty
    • Convert to air miles to frequent flyer partners at the rate of 1 point = 4 miles.
    • Get free unlimited priority pass lounge access to over 800 airports, worldwide. This benefit applies to primary and supplementary credit cardholders.
    More Info for Citi Prestige Credit Card


BEST PREMIUM CREDIT CARDS

Premium credit cards offer exclusive benefits and perks like cashback, very good signup bonus and are not designed for everyone. Having a premium card is like signing up to a club membership that provides exclusive benefits to its members. Luxury isn’t cheap, so premium cards come at high annual fees.

HDFC Diners Club Black
CreditHita picked for: a great signup bonus and its reward rate
HDFC Diners Club Black Credit Card has a joining fee of ₹10,000 + GST and a yearly renewal fee of ₹10,000 + GST. You can get your renewal fee waived off if you spend more than ₹5,00,000 in the previous year. With HDFC Diners Club Black you get 6 complimentary golf games per quarter. HDFC Diner Club Black card also offers great travel benefits such as unlimited airport lounge access to 1,000+ longues and you get an INR 2 Crore coverage for any air accidents and covers any emergency medical expenses up to INR 50 Lakhs. Along with these offers, HDFC Diners Club Black card also gives you complimentary annual memberships to Club Marriott, Forbes India, Zomato Gold, Amazon prime, MMT Double Black and Times Prime.

American Express Platinum Credit Card
CreditHita picked for: A huge signup bonus and several amazing perks.
With a very high annual fee American Express Platinum credit card is for frequent travellers who want to stay in luxury hotels. American Express Platinum credit card has a joining fee of ₹60,000, and a renewal fee of ₹60,000 from the second year onwards. As a signup bonus, you earn either 1,00,000 Membership Rewards Points or vouchers worth ₹45,000 for a stay in Taj, SeleQtions and Vivanta Hotels. The burn rate of Membership Reward Points is 50 paise to ₹1, so you get a signup bonus of more than ₹50,000. You get a wide variety of travel benefits like discounts on hotels and resorts, luxury lounge accesses typically with complimentary free food, drinks, other amenities and services. If you frequently stay in luxury hotels and resorts you can get 50% off on suites at Oberoi Hotels and Resorts and 25% off at Taj, SeleQtions and Vivanta Hotels.

Elite Tier Benefits
  • Taj InnerCircle Silver Tier
  • Marriott Bonvoy™ Gold Elite Status - Value: ₹20,000
  • Hilton Honors Gold Status - Value: ₹10,000
  • Radisson Rewards Gold Status
  • Hertz Gold Plus Rewards
  • Shangri-La Golden Circle’s Jade Tier Value
AIRPORT LOUNGE ACCESS
Access over 1,200 of the finest Airport Lounges globally
The American Express Global Lounge Collection includes access to:
  • The Centurion® Lounge
  • American Express Lounges
  • Priority Pass™ Lounges
  • Delta Sky Club® Lounges when flying Delta
  • Lufthansa Lounges & Escape Lounges
  • Domestic Partner Lounges in India
ICICI Emeralde Credit Card
CreditHita picked for: Movie Tickets, Travel benefits
ICICI Emeralde Credit Card has a joining fee of ₹12,000 + GST and a renewal fee of ₹12,000 from the second year onwards. One drawback of ICICI Emeralde credit card is that the renewal fee is waived off if you spend more than ₹15,00,000 in the previous year. With ICICI Emeralde credit card you get 4 complimentary movie tickets every month under the “Buy One Get One Free” offer; Celebrate your birthday in Trident Hotels using the complimentary free voucher worth ₹7500. ICICI Emeralde credit card offers exclusive benefits on health and personal care services that includes discounts at VLCC, Kaya Skin Clinic, Richfeel, True Fitt n Hill and Gold’s Gym You get unlimited complimentary international and domestic lounge access and unlimited complimentary spa access at airports in India. ICICI Emeralde credit card offers several travel insurance coverage like lost baggage insurance of USD 1200, loss of travel document insurance of USD 500 and lost card liability of Rs 50,000.

Axis Bank Vistara Infinite Credit Card
Credithita picked for: Travel benefits
Axis Bank Vistara Infinite Credit Card has a joining fee of ₹10,000, and a renewal fee of ₹10,000 from the second year onwards. Axis Bank Vistara Infinite Credit Card offers 6 CV points on every ₹200 spent and 15% discount at restaurants that are tied to the Axis Bank Dining Delights. Other offers like Complimentary Club Vistara Gold Membership and Exclusive offers with Axis Bank Extraordinary weekends. Everyone gets a complimentary Business Class ticket as a welcome benefit. Everyone is awarded a business class ticket as a milestone benefit when their transactions exceed ₹2.5 lakhs, ₹5 lakhs, and ₹7.5 lakhs. Up to 3 Business class tickets and 10,000 CV points on milestone spends.

Citi Prestige Credit Card
Credithita picked for: Total rewards earned in first year. You can double what you pay as a joining fee.
Citi Prestige credit card has a joining fee of ₹20,000 + GST and a renewal fee of ₹20,000 + GST from second year onwards. With Citi Prestige credit card you almost double what you pay as a joining fee with great benefits worth ₹38,000+ in the first year. Citi Prestige credit card is a very good travel card with a joining bonus miles worth ₹4,500 and free vouchers of worth of ₹10,000 for Taj Group/ ITC Hotels. On annual spends of ₹24 Lacs you get a burn rate of 1 rupee per point which equates to a cashback worth of ₹24,000. Based on your relationship with Citibank, you can get up to 50% bonus reward points every month and there is no expiry on earned reward points. You can convert your reward points to Airmiles with any frequent flyer partners at the rate of 1 point = 4 miles. Get free unlimited priority pass lounge access to over 800 airports, worldwide. This benefit applies to primary and supplementary credit cardholders. Citi Prestige credit card has a reward rate of 1 reward point per ₹100 spent on domestic and 2 reward points per ₹100 spent on international transactions.


ARE PREMIUM CREDIT CARDS WORTH THE ANNUAL FEE?

Premium credit cards have a high annual fee, so if you are not utilizing all the card benefits like lounge access, hotel, and resort benefits then you may consider choosing a non-premium credit card so that you don't make a loss on paying the high annual fees.

If you’re a frequent traveller and stay in luxury hotels and spend money on luxury lounges during layovers then the travel benefits offered by premium credit cards outweigh the annual cost involved in holding a premium credit card. Along with accesses to luxury hotels and lounges you can enjoy other travel benefits like free checked baggage and elite status. Generally, you need to be a loyal customer to an Airline in order to earn elite status but you can get that status easily with premium cards.

If you find the right credit card then high joining fees isn't something you need to worry about. Sure, you have to pay an annual fee for a premium credit card, but that annual fees will be easily covered by the cost of things you'd likely pay for anyway, and then you get so much more like bonus rewards on select spending, extended warranty protection, travel insurance, hotel discounts, access to card concierge services, and more.


DO YOU QUALIFY FOR THE MOST ELITE CREDIT CARDS?

The perks and features of these cards are certainly appealing, but it's important to note that these cards aren't for everyone. In fact, they probably aren't even for most people. Before applying for one of these cards, make sure you have an excellent credit score because if you don't have an excellent score you have less chances of approval and the application would result in a ding on your score due to a hard inquiry.

If you like these credit cards but aren't ready for the higher annual fees, that's okay. There are some best travel credit cards out there that don't come with massive annual fees.

About Fee: Think about the fee and ask these questions: Are the rewards and benefits offered by the card worth the costs? Do you need access to luxury lounges? Do you need discounts to luxurious hotels, and resorts?

Perks: Perks offered by premium credit cards include Airport lounge access, free golf courses, buy one get one movie tickets or shows, trip cancellation insurance, free checked baggage for your flights, free hotel stay or discount on hotel or resort, and more.

Goals and spending habits You should set goals and look at your spending habits whether are you a frequent traveller? Do you care about things like airport lounge access and perks? or Are you primarily concerned with top rewards for the lowest possible annual fee? Be honest about why you need these cards and make sure the benefits you enjoy outweigh the annual costs. Say you are not a frequent traveller then don't convince yourself that you will change your travel habits to fit a new credit card.