Best 16 Premium Credit Cards In India 2022 | Top 16 Premium Credit Cards In India 2022

Anyone who travels quite often will tell you that a premium credit card can cause a huge difference in their travel as well as a lifestyle experience. This is because premium credit cards often come with exclusive perks like free access to airport lounges, exclusive deals on premium hotels and resorts, and a ton of other lifestyle benefits.

Now there are so many credit cards available on the Indian market that choosing one can be challenging for anyone. So we have done the hard work for you and picked up the 16 best premium credit cards currently available in India. Hopefully, it will help you to find your choice.

If you want to grab the best possible credit card available in India, then you should go for the HDFC bank infinia credit card. This premium credit card is designed for the notch section of Indian credit card users. Offering unlimited free access to airport lounges, exclusive deals on dining, and several valuable rewards, this card packs so much value in it that can easily justify the high annual fee. Read the complete HDFC bank Infinia credit card review to know more about this card.

Hdfc Infinia Credit Card

What are the HDFC bank Infinia credit card fees?

  • HDFC bank infinia credit card joining fee: Rs. 10,000 + GST
  • HDFC bank infinia credit card annual fee: Rs. 10,000 + GST

100xGain Rating:

9/10

What are the major HDFC bank Infinia credit card features?

  • You will get unlimited free access to most of the frontline airport lounges.
  • This infinia credit card of hdfc bank offers up to a 20% discount on premium hotels.
  • It lets you enjoy free golf rounds at some of the frontline golf courses in India.
  • On this infinia credit card hdfc bank offers a very powerful reward program that can make your every transaction rewarding.

Pros and Cons:

Pros 

Cons 

  • This HDFC bank Infinia credit card features a ton of premium features like unlimited free golf rounds, huge discounts on dining and hotel booking, etc.
  • The HDFC bank Infinia credit card reward earning rate is also very good.
  • This card is also good for golf lovers since it gives you free access to most of the golf courses in India
  • There are no movie benefits on this card.

*If you have queries like how to check hdfc credit card balance or how to pay hdfc credit card bill offline, then feel free to take a look at our faq page.

The Citi prestige credit card is probably the most premium travel credit card available in India. While it charges a quite high annual fee of Rs. 20,000, it offers a number of super-premium privileges that can easily offset the yearly renewal charges. To know more about Citi prestige credit card benefits make sure to go through the complete Citi prestige credit card review.

Citi Prestige Credit Card Review

What are the Citibank credit card annual charges?

  • Citi prestige credit card joining fee: None.
  • Citi prestige credit card annual fee: Rs. 20,000 + GST

100xGain Rating:

7/10     

What are the key Citi prestige credit card features?

  • You will get unlimited free access to most of the airport lounges worldwide.
  • You can bag up to a 20% discount on your dining bills.
  • You can also enjoy huge deals on hotel booking.
  • You can enjoy up to 4 free golf rounds at some of the most premium golf courses in India. You can know more about the Citibank prestige card golf benefits from the full review of this card.

Pros and Cons:

Pros

Cons

  • This Citi credit card offers some very attractive features like unlimited free lounge access, huge discount on dining bills, etc.
  • You will get a big discount on hotel booking.
  • There are several travel-related benefits on this card.
  • The Citibank prestige card annual fee seems very high.

The IndusInd bank crest credit card is one of the most premium credit cards offered by IndusInd Bank. Offering free access to airport lounges, huge discounts on hotel and flight booking, and big cashback on dining, this card can add the touch of luxury you are looking for. Go through the complete IndusInd bank crest credit card review to know more about this card.

crest world elite

What are the IndusInd bank crest credit card fees?

  • Joining fee: Rs. 1,00,000
  • Annual fee: Rs. 10,000

100xGain Rating:

7/10

What are the major IndusInd bank crest credit card features?

  • This card gives you up to 2 free access per quarter to most of the frontline airport lounges.
  • You can bag up to 20% discount on hotel booking.
  • It offers some handsome discounts on Jet Airways flight tickets.
  • You can also make up to Rs. 2,500 discount on your dining bills.

Pros and Cons:

Pros

Cons

  • It brings several travel benefits, which makes it extremely useful for frequent travelers.
  • There is also a handsome discount on dining bills.
  • This card is also very good for the golfers since it brings some exclusive golf benefits with it.
  • When compared to the IndusInd bank crest credit card benefits the joining fee seems quite high.
  • The rate of earning reward points is not that good.

*For queries like; how to activate indusind credit card for the first time or how to know indusind bank credit card balance? you can visit our faq page

The Yes Private Prime Credit Card is a  uniquely crafted credit card for the notch section of Indian Credit Card users. With free access to airport lounges, complimentary golf rounds, exclusive deals on hotel booking, this card can add the touch of luxury that you are looking for. More details of the card are discussed in the full yes private prime credit card review.

Yes Private Prime

How much are the yes bank credit card annual charges?

  • Yes bank credit card joining fee: Rs. 20,000 + GST
  • Yes bank credit card annual fee: Rs. 20,000 + GST

100xGain Rating:

7/10

What are the major Yes Private Credit Card features?

  • This yes bank credit card offers unlimited free access to most of the frontline airport lounges.
  • You will also get exclusive deals at some of the selected premium hotels.
  • This yes bank credit card offers you up to 12 free accesses at some of the selected golf courses in India.
  • You will also enjoy the service of multilingual concierge service with this card

Pros and Cons:

Pros

Cons

  • This yes bank credit card offers tons of travel benefits along with unlimited free access to most of the frontline airport lounges.
  • Golfers will also love this card since it offers up to 12 complimentary golf accesses
  • There is also complimentary Insurance coverage on this yes private credit card
  • The joining fee is a bit high
  • There are no dining benefits on this card 

The American express platinum charge card is the most luxurious and costly credit card currently available in India. While it charges a mindblowing Rs. 60,000 as an annual fee, it gives you unlimited luxury and benefits in return. From unlimited access to airport lounges to exclusive deals at premium hotels, this card has everything to sync with your premium lifestyle. Feel free to read the complete American express platinum charge card review to know more about this card.

American Express Platinum Charge Card Review

What are the American express platinum card charges?

  • American express platinum credit card joining fee: Rs. 60,000 + GST
  • American express platinum credit card annual fee: Rs. 60,000 + GST

100xGain Rating:

8/10

What are the American express platinum charge card benefits?

  • This american express platinum charge card offers unlimited free access to most of the frontline domestic and international lounges. 
  • This american express india platinum charge card gives you complimentary membership of elite tire hotel programs which offers you exclusive deals at most of the frontline hotels.
  • You can bag a massive 50% discount on your dining bills at premium restaurants.
  • You can earn up to 5 reward points for every Rs. 40 transactions.

Pros and Cons:

Pros.

Cons.

  • His card is loaded with unmatched premium benefits and features.
  • It gives complimentary membership to some of the finest hotel programs.
  • The reward earning rate is very good.
  • This American express credit card offers a massive discount on dining bills.
  • The annual fee is very high.
  • There are no fuel benefits on this card.

When it comes to premium features at an affordable rate, there are a few cards that can replace the axis bank magnus credit card. Offering free access to the airport lounge, huge discounts on hotel booking, attractive rewards on every transaction, this card can easily justify the Rs. 10,000 annual fee. Make sure to go through the complete axis bank magnus credit card review to know more about axis bank magnus credit card benefits.

Axis Bank Magnus Credit Card

How much are the axis bank magnus credit card fees?

  • Axis bank magnus credit card joining fee: Rs. 10,000 + GST
  • Axis bank magnus credit card annual fee: Rs. 10,000 + GST

100xGain Rating:

7.5/10

What are the major axis bank magnus credit card features?

  • This card gives you 8 free accesses per year to most of the frontline airport lounges.
  • You can bag 12 reward points for every Rs. 200 transactions made using this card.
  • This magnus axis bank credit card lets you enjoy up to a 15% discount at some of the most premium hotels.
  • On the magnus credit card axis bank provides Rs. 4.5 Cr. coverage against loss of baggage and travel documents.
  • It charges a relatively low-interest rate of just 2.5% per month.

Pros and Cons:

Pros.

Cons.

  • You will get 8 free accesses to airport lounges.
  • There is a 15% discount at premium hotels.
  • There is also travel insurance coverage on this axis bank magnus card.
  • The rate of earning reward points is very good.
  • There are no movie benefits on this card.
  • There are no golf benefits on this card.

*For queries like; how to check axis bank credit card application status or how to block axis credit card temporarily, you can visit our faq page.

If you are looking for a low-cost premium credit card, then you should take a look at the ICICI bank visa signature credit card. Targeting the educated class of the Indian credit card users, it offers accelerated rewards on every transaction, free access to airport lounges, complimentary golf rounds, and lots more. More about the benefits of the card are discussed in the complete ICICI signature credit card review.

ICICI Bank Visa Signature Credit Card

How much are the ICICI credit card fees?

  • ICICI signature credit card joining fee: Rs. 25,000 + GST
  • ICICI signature credit card annual fee: Rs. 2,000 + GST

100xGain Rating:

7/10

What are the major ICICI VISA signature credit card benefits?

  • With this icici signature credit card, you will get a complimentary priority pass membership, which lets you enjoy free access to most of the airport lounges across the globe.
  • You will get 10 reward points for every Rs. 100 transaction made using this card.
  • This card offers free golf rounds at some premium golf courses in India.

Pros and Cons:

Pros.

Cons.

  • This card gives you free access to the domestic and international airport lounges.
  • Also, this ICICI credit card features some free golf rounds.
  • The rate of earning ICICI credit card points is very good.
  • There is no cashback or discount offer on this card.
  • This card does not offer anything in the movie and entertainment categories. 

*If you are thinking about how to check new icici credit card application status or how to check icici credit card payment due date, then make sure to take a look at the 100xGain faq page.

When it comes to premium benefits at low cost, the IDFC First Bank Credit Card is the choice of many Indians. It is not just a card that has a very cool look, it packs a real blend of luxury and affordability. It lets you enjoy free access to airport lounges, huge discounts on dining bills, exclusive rewards on every transaction, and lots more. read the full idfc wealth credit card review to know more about this card.

IDFC First Bank Wealth Credit Card

How much does the IDFC first bank wealth credit card cost?

  • Joining fee: None.
  • Annual fee: None.

100xGain Rating:

8.5/10

What are the major IDFC wealth credit card benefits?

  • You can earn up to 6X rewards on every transaction you make using this card.
  • This IDFC wealth credit card offers 4 free access per quarter at some of the finest airport lounges across the globe.
  • You can bag up to a 20% discount on dining bills.
  • This IDFC bank credit card offers some complimentary golf rounds at some of the most premium golf courses in India.

Pros and Cons:

Pros.

Cons.

  • It is a lifetime free credit card.
  • You can have some free access to some of the most premium airport lounges.
  • You can earn a very handsome discount on dining bills.
  • The rate of earning IDFC wealth credit card points is quite impressive.
  • There are no travel booking benefits on this card.

If you are looking for premium privileges at an affordable rate, then you would love the IndusInd bank signature legend credit card. It is a premium credit card tailored to target the notch section of Indian credit card users. It packs some mind-blowing features like free access to the airport lounges, complimentary golf rounds, free movie tickets, and lots more. To know more about this IndusInd bank credit card details make sure to read the complete article.

Indusind Bank Signature Legend Credit Card Review

What are the IndusInd bank credit card annual charges?

  • IndusInd signature legend credit card joining fee: Rs. 9999 + GST
  • IndusInd signature legend credit card annual fee: Rs. 9999 + GST

100xGain Rating:

8/10

What are the major IndusInd bank credit card features?

  • This indusind bank credit card offers up to 3 free movie tickets per month.
  • You will get free access to airport lounges under the priority pass and the MasterCard lounges access program.
  • You will get some free golf rounds at some of the most premium golf courses in India.
  • This card also offers up to 4,000 bonus indusind credit card rewards per year.

Pros and Cons:

Pros 

Cons 

  • There are some very cool features on this card like – free airport lounge access, complimentary golf rounds, etc.
  • You can also win some free movie tickets every month.
  • There is also complimentary insurance coverage on this IndusInd bank credit card.
  • The rate of earning reward points is not that good
  • There are no dining benefits on this card

*For queries like; how to make emi on indusind credit card or how to track indusind bank credit card application, make sure to visit our FAQ page.

The HDFC regalia first credit card is one of the most applied credit cards in India. It packs several multi-dimensional benefits like exclusive discounts on shopping, reward points on every transaction, free access to airport lounges, big discounts on dining, and lots more. Go through the complete HDFC credit card regalia first review to know more about this card.

195

How much are the HDFC regalia first credit card fees?

  • HDFC regalia credit card joining fee: Rs. 1000 + GST
  • HDFC regalia first credit card annual fee: Rs. 1000 + GST

100xGain Rating:

7.5/10

What are the key features of HDFC regalia first credit card?

  • You can earn up to 4 reward points for every Rs. 150 transactions made using this card.
  • This hdfc bank regalia first credit card offers free access to most of the frontline domestic and international lounges.
  • This hdfc credit card regalia first features a 15% discount on dining bills.
  • You can earn up to Rs. 500 waiver in a month.

Pros and Cons:

Pros 

Cons 

  • This card gives you free access to domestic and international lounges.
  • You can enjoy up to 15% discount on dining bills.
  • The rate of earning HDFC regalia first credit card reward points is very good.
  • This HDFC regalia first credit card features a handsome waiver on fuel surcharges.
  • There are no movie benefits.
  • This card does not offer anything on travel booking.

The Kotak wealth management infinite credit card is an invite-only credit card designed for the Kotak Mahindra Wealth Management Customers. Apart from the huge credit limit, it comes with a ton of very useful features including free access to airport lounges, complimentary golf rounds, exclusive VIP privileges, and lots more. Read the complete Kotak wealth management infinite credit card review to know what makes this card different from others.

Kotak Wealth Management Infinite Credit Card

What are the Kotak Credit Card charges?

  • Joining fee: None. 
  • Annual fee: None. 

100xGain Rating:

8/10

What are the key features of Kotak wealth management infinite credit card?

  • Using this Kotak lifetime free credit card, you can earn up to 800 reward points per Kotak credit card billing cycle
  • This Kotak bank credit card offers you access to most of the domestic airport lounges.
  • You can also enjoy some free golf rounds at some of the premium golf courses in India.
  • This card also lets you enjoy some VIP privileges like; invitations to VIP events, seat preferences, and lots more.

Pros and Cons:

Pros 

Cons 

  • It is a Kotak lifetime free credit card.
  • It comes with a huge credit limit.
  • You can enjoy free access to airport lounges 
  • There are no dining benefits on this wealth management visa infinite card.
  • You will not get any movie benefits

The SBI elite credit card is one of the most premium credit cards offered by the State Bank of India. Targeting the upper-middle-class section of Indian credit card users, SBI has stuffed this card with loads of premium features and benefits like huge deals on hotel booking, free access to airport lounges, accelerated rewards on dining, and lots more. More details of the card are discussed in the complete SBI elite credit card review.

SBI ELITE Credit Card

How much are the SBI elite credit card fees?

  • SBI elite credit card joining fee: Rs. 4999 + GST
  • SBI elite credit card annual fee: Rs. 4999 + GST

100xGain Rating:

8/10

What are the key features of SBI elite credit card?

  • This sbi elite credit card offers up to 5X rewards for every Rs. 100 transaction you make using this card.
  • This card gives you free access to most of the domestic and international lounges.
  • You can bag some exclusive deals on hotel booking at some of the most premium hotels.
  • There are several other useful features on this card.

Pros and Cons:

Pros 

Cons 

  • The rate of earning SBI elite credit card reward points is impressive.
  • You will get free access to domestic and international airport lounges.
  • There are also some very attractive deals on hotel booking. 
  • There are no movie benefits on this card.

*For queries like; how to enable sbi elite credit card for international usage or how to deactivate sbi elite credit card temporarily, you can visit our faq page.

If you are looking for a low-cost credit card that can offer you premium features and benefits, then you should take a look at the Kotak Mahindra royale signature credit card. It lets you enjoy free access to airport lounges, accelerated rewards on every transaction, big discounts on fuel surcharges, and lots more. More about the card is discussed in the complete Kotak Mahindra royale signature credit card review.

Kotak Mahindra Bank Royale Signature Credit Card

What are the Kotak bank credit card charges?

  • Joining fee: Rs. 1499 + GST
  • Annual fee: Rs. 999 + GST

100xGain Review:

8/10

What are the key features of the Kotak Mahindra Royale signature credit card?

  • This card gives you free access to most of the domestic airport lounges.
  • This kotak mahindra bank credit card features 4X rewards for every Rs. 150 transactions.
  • This card can give you up to Rs. 3500 savings on fuel surcharges. 
  • You can get a complete waiver on your annual fee just by spending Rs. 1,00,000 within a year.

Pros and Cons:

Pros 

Cons 

  • This card gives you free access to most of the domestic airport lounges.
  • The rate of earning reward points is very good.
  • There is also a fraud liability coverage of Rs. 2,50,000
  • There are no movie or entertainment benefits on this card.
  • There are no dining benefits on this card.

The SBI signature credit card is one of the most popular credit cards available in India. It is a low-cost premium credit card, designed for the notch section of Indian credit card users. It lets you enjoy free access to airport lounges, reward points on every transaction, huge discounts on movies, and lots more. Read the full SBI signature credit card review to know more about this card.

SBI Signature Credit Card Review

How much are the SBI signature credit card fees?

  • SBI signature credit card joining fee: Rs. 4999 + GST
  • SBI signature credit card annual fee: Rs. 4999 + GST

100xGain Rating:

7.5/10

What are the major SBI signature credit card features?

  •  This sbi signature credit card offers up to 5x of rewards on your transactions.
  • You will get free membership in the priority pass program which gives you access to most of the frontline airport lounges across the globe. 
  • This sbi visa signature credit card offers you up to Rs. 500 monthly savings on movies.
  • This card also comes with a concierge service facility to take care of your needs.

Pros and Cons:

Pros 

Cons 

  • This SBI signature elite credit card offers a complimentary priority pass membership with this card.
  • You can make big monthly savings on movies.
  • The rate of earning SBI signature credit card reward points is also very good.
  • There are no dining benefits on this visa signature SBI credit card.

The LIC signature credit card is a low-cost credit card designed for those who want to have a second credit card and also for those who are new in the credit card market. It lets you enjoy free access to airport lounges, reward points on every transaction, complimentary insurance coverage protection. To know more about this card make sure to read the complete LIC signature credit card review

LIC Signature Credit Card

What are the LIC signature credit card charges?

  • LIC signature credit card joining fee: None.
  • LIC signature credit card annual fee: Free for a lifetime.

100xGain Rating:

7.5/10

What are the major LIC signature credit card benefits?

  • You will get 2 free access per quarter to most of the frontline domestic airport lounges.
  • You will get 1 reward point for every Rs. 100 transactions. Those LIC signature credit card reward points can be exchanged for a product from the reward catalog.
  • There is a low-cost EMI option available on this card, which is very helpful for frequent shoppers.
  • You will get complimentary insurance coverage protection with this axis bank lic signature credit card.

Pros and Cons:

Pros 

Cons

  • It is a lifetime-free card
  • This LIC axis bank signature credit card comes with a very helpful low-cost EMI option
  • You will get free access to airport lounges
  • This card lacks some benefits in certain categories like dining, shopping, etc.
  • The rate of earning LIC signature credit card reward points is not that good

The American Express Platinum Reserve credit card is one of the premium credit cards currently available in India. Offering free access to airport lounges, huge discounts on dining, great deals on hotel booking, and complimentary golf rounds, this card brings so much value with it, that it can easily offset the Rs. 10,000 annual fee. Make sure to read the complete American express platinum reserve credit card review to know more about this card. 

American Express Platinum Reserve Credit Card

How much does the American Express Platinum Reserve Card cost?

  • American express platinum reserve credit card joining fee: Rs. 5000 + GST
  • American express platinum reserve credit card annual fee: Rs. 10,000 + GST

100xGain Rating:

6/10

What are the major American express platinum reserve credit card benefits?

  • The American express platinum reserve credit card offers you free access to most of the domestic and international lounges, and complimentary priority pass membership. More about the American express platinum reserve credit card lounge access benefits are discussed in the full review.
  • You will also get complimentary membership of some of the premium hotel programs.
  • This card also offers a 20% discount on dining at premium restaurants.
  • There is no convenience fee on fuel purchase.

Pros and Cons:

Pros 

Cons 

  • You will get a complimentary priority pass membership with this American express platinum reserve card.
  • You can bag a 20% discount on your dining bills. 
  • You can also enjoy some exclusive deals on hotel booking.
  • This card charges no convenience fee on fuel purchases.
  • The rate of earning reward points is not that great.
  • You won’t get anything on movies and entertainment categories.

41 thoughts on “Best 16 Premium Credit Cards In India 2022 | Top 16 Premium Credit Cards In India 2022”

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