Top 10 Premium Credit Cards In India 2021

Credit cards have become a symbol of status and luxury. Credit card companies are issuing various types of credit cards to cater to the needs of different customers, one of them is the Premium credit card. these cards are decorated with premium features and privileges and with a higher credit score. These cards are designed to match the polished lifestyle of premium customers.

Not only premium benefits and higher credit limits, but premium cards also have higher fees, although the benefits and privileges offered by a premium credit card can easily justify the higher charges.

However, we have listed the top 10 premium credit cards in India 2021 below. You can compare those cards according to their benefits and charges, and select the card that fits your budget and lifestyle. 

  • American Express® Platinum Card
  • Fee:
    • Joining Fee: ₹60,000 + GST.
    • Annual Fee: ₹60,000 + GST.
  • Card Type:
    • It is an American Express Credit Card.
  • Benefits: 
    • With this card you can save up to ₹37,000 from your every travel and hotel booking, conditions apply.
    • This card gives you access upto 12,000 premium airport lounges in the world.
    • You will get an invitation to most of the VIP events, also you can enjoy some more privileges like pre-sale ticket bookings, the priority of seats, etc.

American Express platinum credit card is probably the most premium credit card available in the Indian market. Although the fees are very high, if you can afford it, it can make your polished lifestyle more premium.

  • HDFC Bank Infinia Credit Card
  • Fee:
    • Joining Fee: ₹10,000 + GST
    • Annual Fee: ₹10,000 + GST
  • Card Type:
    • It is a Visa credit card.
  • Benefits: 
    • This card offers you unlimited access to airport lounges around the globe.
    • You will get a free Club Marriott membership.
    • You can enjoy unlimited golf rounds at most of the frontline golf courses in India.

HDFC Bank Infinia Credit Cards is one of the most premium credit cards available in the Indian Market, it comes with a wide range of exclusive offers and privileges. With all its features and benefits it can make your life a lot better. 

  • Axis Bank Reserve Credit Card
  • Fee:
    • Joining Fee: ₹30,000 + GST.
    • Annual Fee: ₹30,000 + GST.
  • Card Type:
    • It is a Visa Credit card.
  • Benefits: 
    • With this card, you will get Club Marriot and Club Vistara membership.
    • You can enjoy unlimited access to most of the airport lounges in the world.
    • This card also gives you access to most of the premium golf courses in India.

Axis Bank reserve credit card is an Invited only credit card, the fees of the card are higher, but the benefits offered by the card can easily justify it. 

  • HDFC Bank Diners Club Black Credit Card
  • Fee:
    • Joining Fee: ₹10,000 + GST
    • Annual Fee: ₹10,000 + GST
  • Card Type:
    • It is a diners club credit card.
  • Benefits: 
    • With this card you will also get membership of premium brands like – Club Marriott, Zomato, Amazon Prime, etc. conditions apply.
    • This card also offers a higher credit limit, up to 8 lakh. That means it can fulfill all your financial needs.
    • You will get access to most of the premium airport lounges in the World.

This card offers many premium benefits to its users, including a higher credit limit, membership benefit lounge access, insurance coverage, etc. But dinners club credit cards are not accepted at a few places, otherwise, it is among the best credit cards available in India.

  • ICICI Bank Diamant Credit Card
  • Fee:
    • Joining Fee: 1.25 lakh + GST
    • Annual Fee: ₹10,000 + GST
  • Card Type:
    • It is a MasterCard credit card.
  • Benefits:
    • This card gives you access to most of the exotic islands and private jets at a discounted price, T&C applies.
    • You will also get unlimited free access to most of the premium airport lounges under the priority pass program.
    • Unlimited access to most of the premium golf courses across the world.

Just like a Diamond ICICI Bank Diamant credit card is very expensive, but when you look at the privileges and benefits offered by the card, it seems reasonable. So if this card fits in your budget you can go for this card.  

  • ICICI Bank Emerald Credit Card
  • Fee:
    • Joining Fee: ₹12,000 + GST
    • Annual Fee: ₹12,000 + GST
  • Card Type:
    • This card comes in two variants, American Express and MasterCard.
  • Benefits:
    • With this card, you can enjoy unlimited lounge plus Boingo WIFI service around the world.
    • You can save up to ₹12,000 on your hotel and flight booking, conditions apply.
    • You can also earn big savings on your lifestyle relates expenses, conditions apply.

ICICI Bank Emerald Credit Card offers an enormous amount of benefits to its customers, including travel, lifestyle, and entertainment-related spending. And all the benefits make it very beneficial for its customers.  

  • Axis Bank Magnus Credit Card
  • Fee:
    • Joining Fee: ₹10,000 + GST
    • Annual Fee: ₹10,000 + GST
  • Card Type:
    • It is a MasterCard.
  • Benefits:
    • With this card you can enjoy VIP assistance service in India, conditions apply.
    • You will get unlimited access to most of the domestic lounges and 8 free access to international lounges.
    • You will also get up to a 20% discount at some selected premium restaurants in India.

Axis Bank Magnus Credit Card is a complete credit card, with this card you will get most of the premium benefits, it can match your modern lifestyle very easily.

  • RBL Bank Icon Credit Card
  • Fee:
    • Joining Fee: ₹5,000 + GST
    • Annual Fee: ₹5,000 + GST
  • Card Type:
    • It is a MasterCard.
  • Benefits:
    • With this card you will get big reward points from every spends made with this card, conditions apply.
    • This card gives you a free subscription to the priority pass program.
    • Also, you will get a 24X7 active concierge service with this card, you can get any assistance from them whenever you need it.

This card is best for earning reward points also this card comes with several premium benefits and privileges. So if you are eligible then you must go for this card.

  • YES FIRST Exclusive Credit Card
  • Fee:
    • Joining Fee: ₹9,999 + GST
    • Annual Fee: ₹9,999 + GST
  • Card Type:
    • It is a MasterCard.
  • Benefits:
    • With this card you will get access to most of the leading golf courses in India, you will also get free golf lessons, T&C applies.
    • This card offers Priority Pass membership to its users and unlimited access to most of the domestic airport lounges, T&C applies.
    • You will also get a 24X7 active concierge service with this card.

This card comes with a lot of privileges for its users, so if it fits in your budget then you should go for this card it can make your life a lot easier.

  • SBI Elite Credit Card 
  • Fee:
    • Joining Fee: ₹4,999 + GST
    • Annual Fee: ₹4,999 + GST
  • Card Type:
    • This card comes in three variants, MasterCard, Visa, and American Express.
  • Benefits:
    • With this card, you can get a Club Vistara membership for free.
    • With this card, you will also get a complimentary upgrade voucher and trident privilege membership.
    • You can get a total of 8 lounge access per year, conditions apply.

SBI Card Elite is best for those who want a premium quality credit card at an affordable rate, this card comes with all the benefits and offers that can easily fulfill your needs.

From the above list, you can find the card that fits your lifestyle and budget, but you should keep in mind that premium credit cards are not meant for all, if you are sure that you can bear the high cost of a premium credit card, you should go for it. There some points are given below, that you should keep in mind while choosing a premium credit card.

  1. Monthly Bill payment – Premium credit cards come with a higher interest rate, therefore it is necessary to pay off the card balance monthly to avoid the high-interest charge.
  2. Annual fee – Premium cards also come with a much higher annual fee, so check if it fits in your annual budget or not.
  3. Your Income and CIBIL score – Premium credit cards require a much higher CIBIL score and big annual income, check the eligibility criteria of your desired credit card to see if you are eligible or not.

Premium credit cards are not for any customer, they are designed only for premium customers. But if you can afford it and use it properly then you can earn unmatched benefits from it.    

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