Premium Credit Cards

43 cards in this category•Updated September 2026•Verified against Bank MITC

Premium credit cards offer the highest reward rates, unlimited lounge access, concierge services, golf privileges and exclusive lifestyle perks. While they typically carry higher annual fees, the value of their benefits can far exceed the cost for frequent spenders and travellers.

2026 Comparison Matrix

Top Ranked Premium Credit Cards

Verified Bank MITC Terms

Side-by-side comparisonSwipe right for full table

Rank & Credit Card	Luxury Score	Annual Fee	Top Category Perk	Quick Action
#1 Axis Bank#1 Leader Axis Bank Reserve	97/100 EliteOverall: 87	₹50,000Waived @ ₹35,00,000/yr	Up to 10% rewards on top categories	Compare
#2 IndusInd Bank IndusInd Bank Crest	97/100 EliteOverall: 86	₹50,000Waived @ ₹30,00,000/yr	Up to 5% rewards on top categories	Compare
#3 HDFC Bank Infinia Metal	97/100 EliteOverall: 85	₹12,500Waived @ ₹10,00,000/yr	Up to 10% rewards on top categories	Compare
#4 HDFC Bank HDFC Bank Diners Club Black Metal	97/100 EliteOverall: 85	₹10,000Waived @ ₹8,00,000/yr	Up to 10% rewards on top categories	Compare
#5 Axis Bank Magnus	97/100 EliteOverall: 84	₹12,500Waived @ ₹25,00,000/yr	Up to 6% rewards on top categories	Compare

43 cards found

CardCheck Score

Axis Bank Reserve Credit Card

Axis Bank Reserve Credit Card

Axis Bank

Best for Ultra HNI — unlimited lounge, concierge & highest miles earning

Fuel WaiverLounge AccessHigh RewardsLow Forex

Priority Pass membership with unlimited visits
unlimited domestic lounge visits
airport concierge services

₹50,000

₹50,000

1.5–10%

CardCheck Score

HDFC Bank Diners Club Black Metal

HDFC Bank Diners Club Black Metal

HDFC Bank

Best for Travel and lifestyle benefits

Fuel WaiverLounge AccessHigh RewardsMetal Card

5 Reward Points per ₹150 on eligible retail spends
Up to 10X Reward Points on SmartBuy flight & hotel bookings
Unlimited domestic and international airport lounge access for primary and add-on members

₹10,000

₹10,000

3.33–10%

23.88%

CardCheck Score

HSBC Premier Credit Card

HSBC Premier Credit Card

HSBC Bank

Best for HSBC Premier banking customers — zero forex, unlimited lounge, premium travel

Fuel WaiverHigh RewardsLow ForexWelcome Bonus

Unlimited domestic and international lounge access
3 reward points per INR100 spent
0.99% forex markup

₹12,000

₹20,000

3–12%

42%

CardCheck Score

ICICI Bank Emeralde Private Metal Credit Card

ICICI Bank Emeralde Private Metal Credit Card

ICICI Bank

Best for Ultra HNI — India's finest metal card with unlimited lounge and highest ICICI rewards

Fuel WaiverLounge AccessHigh RewardsMetal Card

Buy 1 Get 1 on BookMyShow up to ₹750 twice monthly
Low 2% forex markup fee on international spends
₹6,000 EaseMyTrip vouchers on ₹8 lakh annual spends

₹12,499

₹12,499

1.5–6%

45%

CardCheck Score

IndusInd Bank Crest Credit Card

IndusInd Bank Crest Credit Card

IndusInd Bank

Best for Invite-only ultra-premium metal card — zero forex markup, unlimited everything

Fuel WaiverLounge AccessHigh RewardsLow Forex

1 Reward Point per ₹100 on weekday spends
2 Reward Points per ₹100 on weekend spends
2.5 Reward Points per ₹100 on international spends

₹50,000

₹50,000

1–5%

42%

CardCheck Score

Infinia Metal Credit Card

Infinia Metal Credit Card

HDFC Bank

Best for Travel and lifestyle benefits

Fuel WaiverLounge AccessHigh RewardsMetal Card

Up to 10X Reward Points on SmartBuy flight, hotel & shopping spends
1 Reward Point = ₹1 on SmartBuy travel, Apple & Tanishq redemption
Unlimited domestic and international airport lounge access for primary & add-on members

₹12,500

₹12,500

3.33–10%

23.88–42%

CardCheck Score

Magnus Credit Card

Magnus Credit Card

Axis Bank

Best for Travel & Lifestyle

Fuel WaiverLounge AccessHigh Rewards

12 EDGE Reward Points per ₹200 on spends up to ₹1.5 lakh/month
35 EDGE Reward Points per ₹200 on spends above ₹1.5 lakh/month
5X EDGE Rewards on Travel EDGE flight and hotel bookings

₹12,500

₹12,500

1.2–6%

36%

CardCheck Score

ICICI Bank Emeralde Credit Card

ICICI Bank Emeralde Credit Card

ICICI Bank

Best for Super-premium lifestyle — unlimited lounge, golf, spa & concierge

Fuel WaiverLounge AccessHigh Rewards

4 Reward Points per ₹100 on eligible retail spends
1 Reward Point per ₹100 on utility & insurance spends
Unlimited domestic and international airport lounge access with Priority Pass

₹12,000

₹12,000

1–4%

45%

CardCheck Score

Bandhan Bank Lumina Credit Card

Bandhan Bank Lumina Credit Card

Bandhan Bank

Best for Travel and dining rewards

Fuel WaiverLounge AccessHigh RewardsLow Forex

₹1 crore air-accident cover plus concierge and 4 airport Meet & Greet services
Earn 16 Reward Points for every ₹200 spent on eligible regular purchases
Earn 24 Reward Points per ₹200 on eligible international spends

₹9,999

₹9,999

2–3%

18–42%

CardCheck Score

IDFC FIRST Bank Mayura Credit Card

IDFC FIRST Bank Mayura Credit Card

IDFC FIRST Bank

Best for travel and lifestyle spenders

Fuel WaiverLounge AccessHigh RewardsLow Forex

Zero forex markup on all international transactions
10% bonus rewards on flight and hotel bookings via IDFC app
10X Reward Points (2.5% return) on incremental monthly spends above ₹20,000

₹5,999

₹5,999

0.7–33%

8.5–46.2%

CardCheck Score

American Express Platinum Travel Credit Card

American Express Platinum Travel Credit Card

American Express

Best for AmEx's milestone-based travel card — Taj Hotel vouchers + lounge access

Fuel WaiverLounge AccessHigh Rewards

₹3,000 Taj Hotel Experience voucher + 10,000 MR Points on ₹1.9 lakh annual spend
₹7,000 Taj Hotel Experience voucher + 25,000 MR Points on ₹4 lakh annual spend
1 Membership Reward Point per ₹50 on all eligible retail spends

₹5,000

₹5,000

1–8%

42–47.88%

CardCheck Score

Axis Bank Atlas Credit Card

Axis Bank Atlas Credit Card

Axis Bank

Best for Travel rewards — EDGE Miles for flights and hotel stays

Fuel WaiverLounge AccessHigh RewardsWelcome Bonus

5 EDGE Miles per ₹100 on airline, hotel & Travel EDGE spends (up to ₹2 lakh/month)
2 EDGE Miles per ₹100 on other eligible spends
1 EDGE Mile = ₹1 on Travel EDGE or up to 2 partner air miles/hotel points

₹5,000

₹5,000

2–5%

55.55%

CardCheck Score

Kotak White Reserve Credit Card

Kotak White Reserve Credit Card

Kotak Mahindra Bank

Best for Kotak's ultra-premium — unlimited lounge, 1.5% forex, concierge & golf privileges

Fuel WaiverMetal Card

Milestone-based White Pass rewards worth up to ₹2.5 lakh annually on high spends
1 White Pass = ₹1 redemption value on premium brand vouchers
Unlimited domestic and international airport lounge access for primary & add-on cardholders

₹12,500

₹12,500

1.5–2.5%

42%

CardCheck Score

RBL ICON Credit Card

RBL Bank

Best for RBL's premium card — 5 RP per ₹100 on dining/travel + 4 lounge/quarter

Fuel WaiverLounge AccessHigh Rewards

5 RBL Reward Points per ₹100 on dining, travel, and entertainment
2 RBL Reward Points per ₹100 on all other eligible retail spends
4 complimentary domestic airport lounge visits per quarter via DreamFolks

₹1,000

₹5,000

2–5%

42%

CardCheck Score

HSBC TravelOne Credit Card

HSBC TravelOne Credit Card

HSBC Bank

Best for Frequent flyers — transfer air miles to 10+ airlines at 1:1 ratio

Fuel WaiverLounge AccessHigh RewardsWelcome Bonus

Earn 4 Reward Points per ₹100 on flights, travel aggregators, and foreign currency spends
Earn 2 Reward Points per ₹100 on other eligible spends
Reward Points transfer to airline and hotel partners, generally at a 1:1 ratio

₹4,999

₹4,999

2–6%

45%

CardCheck Score

American Express Platinum Reserve Credit Card

American Express Platinum Reserve Credit Card

American Express

Best for AmEx's India premium — hotel benefits, 3 lounge/qtr + dedicated Priority Pass

Fuel WaiverLounge Access

1 Membership Rewards Point per ₹50 spent
2X Membership Rewards Points on travel and international spends via Amex Travel Online
Complimentary domestic airport lounge access across select lounges in India

₹10,000

₹10,000

2%

42%

CardCheck Score

YES BANK Marquee Credit Card

YES BANK Marquee Credit Card

Yes Bank

Best for YES Bank's super-premium — unlimited lounge, 4.5% on travel & dining, 1.75% forex

Fuel WaiverLounge AccessHigh RewardsLow Forex

6 complimentary domestic airport lounge access per quarter
12 complimentary international airport lounge access per year
36 YES Reward Points per ₹200 on travel and dining (effective 4.5%)

₹9,999

₹4,999

1.5–4.5%

35.8–42%

CardCheck Score

Axis Bank Select Credit Card

Axis Bank Select Credit Card

Axis Bank

Best for Premium rewards with international lounge access

Fuel WaiverLounge AccessHigh Rewards

10x EDGE Reward Points on online shopping, dining and partner spends
2x EDGE Reward Points on all other retail spends
4 complimentary domestic airport lounge visits per quarter via DreamFolks

₹3,000

₹3,000

1–10%

55.55%

CardCheck Score

Miles Prime SBI Card

Miles Prime SBI Card

SBI Card

Best for Premium travel miles — 6X on travel + 2 domestic + 4 international lounges/year

Fuel WaiverLounge AccessHigh RewardsLow Forex

6 air miles per ₹100 on travel and entertainment transactions
2 air miles per ₹100 on dining
1 air mile per ₹100 on all other eligible retail spends

₹2,999

₹2,999

0.5–6%

42%

CardCheck Score

HDFC Bank Business Regalia Credit Card

HDFC Bank Business Regalia Credit Card

HDFC Bank

Best for Business owners — rewards + lounge + business-spend cashback

Fuel WaiverLounge AccessHigh Rewards

4 reward points per ₹150 on all eligible retail spends (excludes wallet, EMI, petrol per bank)
5% monthly cashback on business-essential spends (e.g. utilities, telephone & internet, government & tax payments) — per bank T&Cs
2 complimentary domestic airport lounge visits per quarter when you spend ₹1 lakh in the previous calendar quarter

₹2,500

₹2,500

1–5%

43.2%

Frequently asked questions

What is a super-premium credit card?: Super-premium cards like the HDFC Infinia or American Express Centurion offer ultra-high reward rates, metal card designs, unlimited international lounge access, and dedicated lifestyle concierges.
Is it worth paying high annual fees for premium cards?: Yes, if your annual spending is high. The milestone rewards, airport lounge perks, and hotel vouchers often far exceed the annual renewal fee.
What is the minimum salary for a premium credit card?: Most premium cards require a net monthly salary of ₹1.5 Lakhs or above, or an annual ITR exceeding ₹15-20 Lakhs.