Premium Credit Cards

43 cards in this category

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	CardCheck Score	Annual Fee	Top Category Perk	Quick Action
#1 HSBC Bank#1 Leader HSBC Premier	91/100 Elite	FreeStandard fee	Up to 5% rewards on top categories	Compare
#2 IDFC FIRST Bank IDFC FIRST Wealth	91/100 Elite	FreeStandard fee	Up to 5% rewards on top categories	Compare
#3 Axis Bank Axis Bank Reserve	87/100 Excellent	₹50,000Standard fee	Up to 10% rewards on top categories	Compare
#4 IDFC FIRST Bank IDFC FIRST Ashva	87/100 Excellent	₹2,999Standard fee	Up to 16% rewards on top categories	Compare
#5 ICICI Bank ICICI Bank Emeralde Private Metal	86/100 Excellent	₹12,499Waived @ ₹15,00,000/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

Unlimited domestic airport lounge access (self + 1 companion) via DreamFolks
Unlimited international lounge access via Priority Pass (self + 1 companion)
15 EDGE Miles per ₹200 on Axis Travel EDGE portal

₹50,000

₹50,000

1.5–10%

52.86%

CardCheck Score

Diners Club Black

Diners Club Black

HDFC Bank

Best for Ultra-premium lifestyle — unlimited lounge, dining, golf and 3.3% rewards

Fuel WaiverLounge AccessHigh Rewards

5 reward points per ₹150 on all eligible retail spends (1 RP = ₹1 via SmartBuy)
10x reward points on SmartBuy travel bookings
Unlimited complimentary domestic and international airport lounge access

₹10,000

₹10,000

3.3–10%

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 RewardsLow Forex

Unlimited complimentary domestic airport lounge access (self + 1 companion) via DreamFolks
Unlimited complimentary international airport lounge access via Priority Pass (self + 1 companion)
6 ICICI Reward Points per ₹100 on all eligible retail spends

₹12,499

₹12,499

1–6%

42%

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

Zero forex markup on all international transactions
Unlimited complimentary domestic lounge access via DreamFolks
Unlimited complimentary international lounge access via Priority Pass

₹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

5 reward points per ₹150 on all eligible retail spends (1 RP = ₹1 via SmartBuy)
10x reward points on SmartBuy travel portal bookings — up to 6.67%
Unlimited domestic airport lounge access via DreamFolks (self + all add-on members)

₹12,500

₹12,500

3.3–10%

42%

CardCheck Score

Magnus Credit Card

Magnus Credit Card

Axis Bank

Best for High-spend travellers — best-in-class miles earning + unlimited lounge

Fuel WaiverLounge AccessHigh RewardsWelcome Bonus

12 EDGE Miles per ₹200 on Axis Travel EDGE bookings
6 EDGE Miles per ₹200 on other online and international spends
1.5 Miles per ₹200 on other domestic offline spends

₹12,500

₹12,500

1.2–6%

52.86%

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 RewardsLow Forex

Unlimited complimentary domestic airport lounge access via DreamFolks
8 complimentary international airport lounge visits per year via Priority Pass
4 ICICI Reward Points per ₹100 on all eligible retail spends

₹12,000

₹12,000

1–4%

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

0.67–33.33%

8.5–47.88%

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

2 EDGE Miles per ₹100 on all retail spends
5 EDGE Miles per ₹100 on Axis Travel EDGE portal bookings
2,500 welcome EDGE Miles on first transaction within 30 days

₹5,000

₹5,000

1–5%

52.86%

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 WaiverLounge AccessLow Forex

8 complimentary domestic airport lounge visits per quarter via DreamFolks
8 international airport lounge visits per year via Priority Pass
4 Kotak Reward Points per ₹150 on international and travel spends

₹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 RewardsLow Forex

3 air miles per ₹100 on overseas spends and HSBC Travel portal bookings
1.5 air miles per ₹100 on all other eligible retail spends
1:1 transfer to 10+ airline & hotel programmes: Air India, IndiGo, Singapore Airlines, Marriott Bonvoy, Accor

₹4,999

₹4,999

1.5–6%

42%

CardCheck Score

Shoppers Stop Black HDFC Bank Credit Card

Shoppers Stop Black HDFC Bank Credit Card

HDFC Bank

Best for Shoppers Stop Black First Citizen — premium retail rewards with lounge access

Fuel WaiverLounge AccessHigh Rewards

7x First Citizen Black points on all Shoppers Stop purchases
2x First Citizen Black points on all other eligible retail spends
4 complimentary domestic airport lounge visits per quarter via DreamFolks

₹4,500

₹4,500

2–7%

42%

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 AccessWelcome Bonus

3 complimentary domestic airport lounge visits per quarter via DreamFolks (12/year)
2 complimentary international lounge visits per year via Priority Pass
1 Membership Reward Point per ₹50 on all eligible retail spends

₹10,000

₹10,000

1–2%

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

Unlimited complimentary domestic airport lounge access via DreamFolks
Unlimited complimentary international airport lounge access via Priority Pass
30 YES Reward Points per ₹200 on travel and dining (effective 4.5%)

₹9,999

₹4,999

1.5–4.5%

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%

52.86%

CardCheck Score

IDFC FIRST Ashva Credit Card

IDFC FIRST Ashva Credit Card

IDFC FIRST Bank

Best for Metal Visa Infinite — 1% forex, capped lounges (spend ₹20k/mo prior month), up to 60X RP on app travel

Fuel WaiverLounge AccessHigh RewardsLow Forex

Joining fee ₹2,999 + GST; annual fee ₹2,999 + GST from 2nd card anniversary — upfront joining payment required for metal card dispatch (non-refundable)
Joining benefit: up to 7,500 reward points (worth up to ₹3,000 at ₹0.40/pt) — 2,500 on joining fee payment, 2,500 on ₹20,000+ net spends in 2nd statement cycle, 2,500 on ₹20,000+ in 3rd cycle (cards from 1 Sep 2025; once per customer; exclusions apply)
Spend ₹8 lakh in a card anniversary year → 7,500 reward points on payment of next year's annual fee (T&Cs apply)

₹2,999

₹2,999

0.17–16%

8.5–46.2%

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 RewardsWelcome Bonus

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%

42%

CardCheck Score

BOBCARD Eterna Credit Card

BOBCARD Eterna Credit Card

BOBCARD

Best for BOB's flagship — 10 RP per ₹100 on intl/dining, unlimited domestic lounge

Fuel WaiverLounge AccessHigh Rewards

Unlimited complimentary domestic airport lounge access via DreamFolks
4 complimentary international airport lounge visits per year via Priority Pass
10 Reward Points per ₹100 on international spends and dining

₹1,000

₹2,499

1.25–10%

42%

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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.