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Best Premium, Super-Premium, and Luxury Credit Cards in India
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Designed for high-net-worth individuals, premium credit cards offer luxurious benefits that enhance travel, dining, shopping, and entertainment experiences. Unlike regular credit cards that focus on cashback, premium cards provide exclusive perks like high spending limits, unlimited airport lounge access, and complimentary spa sessions.
Super premium credit cards and luxury credit cards also come with a similar set of advantages. Although these card issuers charge high joining and annual fees, the value they offer makes them worthwhile. In this article, we’ll explore some of the best premium credit cards in India, along with super premium and luxury cards, to help you choose the right one.
Best Premium Credit Cards in India
Check out this table to discover the top premium credit cards in India that might just be the perfect fit for you.
| Credit Card | Joining Fees | Lifetime Free | Annual Fee | Annual Fee Wavier | Best for |
| HDFC Diners Club Black Credit Card | ₹10,000 | No | ₹10,000 | No | Travel, Movies, Dining, Golf |
| AURUM Credit Card | ₹9,999 + GST | No | ₹9,999 + GST | No | Travel, Lounge Access, Movies |
| Yes Bank Marquee Credit Card | ₹9,999 + GST | No | ₹4,999 + GST | Yes | Shopping, Lounge Access, Insurance, Movies |
| American Express Gold Card | ₹1,000 + GST | No | ₹4,500 + GST | No | Fuel, Shopping, Travel, Jewellery |
| ICICI Sapphiro Credit Card | ₹6,500 | No | ₹3,500 | Yes | Lounge Access, Movies, Dining, Travel, Insurance, Fuel |
| SBI Card PRIME | ₹2,999 | No | ₹2,999 | No | Golf, Travel, Dining, Lounge Access |
| HDFC Regalia Gold Credit Card | ₹2,500 + GST | No | ₹2,500 + GST | No | Travel, Shopping, Lounge Access, Dining, Insurance |
Key Features and Advantages of the Most Premium Credit Cards in India
Whether you are a frequent traveller, a dining enthusiast, or simply looking to maximise your financial benefits, understanding your options is key to making an informed decision. Let’s embark on this journey to find the premium credit card that suits your needs and lifestyle.
1. HDFC Diners Club Black Credit Card
Joining Fees
₹10,000
Lifetime Free
No
Annual Fee
₹10,000
Annual Fee Wavier
No
Best For
Movies
Travel
Dining
Golf
Whether you are dining out, travelling, or simply enjoying leisure activities, this card delivers value that goes beyond ordinary spending.
Benefits
- Enjoy a plethora of complimentary memberships, including Club Marriott and Amazon Prime, enhancing your lifestyle with exclusive benefits.
- For those who love to travel, the card grants access to unlimited airport lounges, perfect for making your travel experience comfortable and stress-free.
- Not to mention, the generous interest-free credit period of up to 50 days allows you to manage your finances without the worry of immediate repayment.
- With a fuel surcharge waiver and complimentary golf games on some of the finest courses globally, the HDFC Diners Club Black Credit Card is not just a payment tool; it’s a gateway to a luxurious lifestyle.
2. AURUM Credit Card
Joining Fees
₹9,999 + GST
Lifetime Free
No
Annual Fee
₹9,999 + GST
Annual Fee Wavier
No
Best For
Travel
Lounge Access
Movies
The SBI Aurum Credit Card is packed with an array of enticing features and benefits.
Benefits
- One notable perk includes access to more than 1,000 international airport lounges along with four domestic lounges quarterly, where you can bring a guest at no extra charge.
- The card provides two flight cancellation refunds annually across any airline.
- Golf lovers can appreciate the annual offering of 16 complimentary rounds as well as half-off on additional visits and access to twelve free golf lessons each year.
3. Yes Bank Marquee Credit Card
Joining Fees
₹9,999 + GST
Lifetime Free
No
Annual Fee
₹4,999 + GST
Annual Fee Wavier
Yes
Best For
Shopping
Lounge Access
Insurance
Movies
The Yes Bank Marquee Credit Card is designed to blend indulgence seamlessly into your lifestyle with a range of rewards, benefits, and features.
Benefits
- The card also provides unlimited access to international lounges alongside six entries at domestic lounges each quarter.
- Additionally, enhancing your leisure time out is the buy-one-get-one-free movie ticket offer through Book My Show.
- Take advantage of one complimentary golf instruction per calendar month at partner golf venues around India.
4. American Express Gold Card
Joining Fees
₹1,000 + GST
Lifetime Free
No
Annual Fee
₹4,500 + GST
Annual Fee Wavier
No
Best For
Fuel
Shopping
Travel
Jewellery
The American Express Gold Card provides you with rewarding opportunities through their multiplier platform, where you can accelerate earnings almost 5 times by making purchases.
Benefits
- Dining out becomes even more delightful with discounts of up to twenty percent at partner restaurants.
5. ICICI Sapphiro Credit Card
Joining Fees
₹6,500
Lifetime Free
No
Annual Fee
₹3,500
Annual Fee Wavier
Yes
Best For
Lounge Access
Movies
Dining
Travel
Insurance
Fuel
The ICICI Bank Sapphiro Credit Card offers not just financial flexibility but enriches various aspects of your lifestyle.
Benefits
- Enjoy complimentary access twice yearly at international airport lounges, along with quarterly entries into select Indian lounges!
- Golf enthusiasts can relish up to four free rounds monthly based on eligible spending as well.
- Save ₹500 on your second movie ticket twice monthly through BookMyShow.
6. SBI Card PRIME
Joining Fees
₹2,999
Lifetime Free
No
Annual Fee
₹2,999
Annual Fee Wavier
No
Best For
Golf
Travel
Dining
Lounge Access
The SBI Prime Credit Card is designed to deliver an array of rewards and benefits tailored for savvy spenders like you.
Benefits
- As you reach spending milestones throughout the year, look forward to gift vouchers totalling up to ₹4,000.
- Complimentary memberships with Priority Pass for airport lounges worldwide, plus Club Vistara and Trident Red Tier, enhance your journey experience significantly.
- Spend over ₹3 lakhs annually and have the annual fee waived entirely.
- Reap e-gift vouchers upon reaching quarterly spends of ₹50,000 or cumulative yearly spending hitting ₹50,000.
7. HDFC Regalia Gold Credit Card
Joining Fees
₹2,500 + GST
Lifetime Free
No
Annual Fee
₹2,500 + GST
Annual Fee Wavier
No
Best For
Travel
Shopping
Lounge Access
Dining
Insurance
With all these benefits listed below, the HDFC Regalia Gold Credit Card significantly enhances both your everyday experiences and special moments.
Benefits
- You are rewarded with vouchers—₹1,500 after spending ₹1,50,000 in a quarter and flight vouchers worth up to ₹5,000 when you hit targets of ₹5,00,000 or more throughout the year.
- This card offers discounts of up to 20% at over 20,000 restaurants through their Good Food Trail program.
- 12 domestic airport lounge visits each year, along with six international lounges via Priority Pass.
- Travel insurance that protects against accidental air death and emergency overseas hospitalisation costs.
- The Smart EMI feature allows for seamless conversion of your expenditure into manageable instalments post-purchase.
Unlock a world of rewards with the 3-in-1 RuPay Credit Card.
Enjoy 2% cashback and lifetime free benefits.
7 Best Super Premium Credit Cards in India
When it comes to credit cards in India, super-premium options stand out for their lavish perks and exclusive benefits. Here are the top 7:-
| Credit Card | Joining Fees | Lifetime Free | Annual Fee | Annual Fee Wavier | Best for |
| IndusInd Bank PIONEER Private Credit Card | Nil | No | ₹25,000 + GST | No | Travel, Golf, Movies, Insurance, Fuel |
| Citi Prestige Credit Card | ₹20,000 + GST | No | ₹20,000 + GST | No | Travel, Golf, Lounge Access, Shopping |
| Axis Bank Magnus Credit Card | ₹12,500 + GST | No | ₹12,500 + GST | Yes | Travel, Lounge Access, Movies, Dining, Insurance |
| HDFC INFINIA Credit Card Metal Edition | ₹12,500 + GST | No | ₹12,500 + GST | No | Dining, Lounge Access, Shopping, Travel, Golf, Fuel, Insurance |
| ICICI Emeralde Private Metal Card | ₹12,499 | No | ₹12,499 | Yes | Travel, Lifestyle, Dining, Shopping |
| HSBC Premier Credit Card | ₹12,000 | No | ₹20,000 | Yes | Lounge Access, Shopping, Dining, Movies, Travel, Insurance |
| American Express Platinum ReserveSM Credit Card | ₹10,000 | No | ₹10,000 | No | Movies, Shopping, Travel, Lounge Access, Golf, Fuel |
Key Features and Advantages of the Top 7 Super Premium Credit Cards in India
A super premium credit card works a step further than a premium card to boost your purchasing power and elevate your lifestyle with benefits designed for discerning individuals like yourself. Let’s check out the details of some of the best of the lot:-
1. IndusInd Bank’s PIONEER Private Credit Card
Joining Fees
Nil
Lifetime Free
No
Annual Fee
₹25,000 + GST
Annual Fee Wavier
No
Best For
Travel
Golf
Movies
Insurance
Fuel
IndusInd Bank’s PIONEER Private Credit Card combines practicality with pleasure in your daily adventures!
Benefits
- This card shines bright by granting access to international lounges—two visits each quarter along with eight domestic lounge visits annually through the Travel Plus Program and one more quarterly via Mastercard privileges.
- You also benefit from low forex markup fees and complimentary travel insurance covering various mishaps like lost baggage or missed connections.
- Get four free golf lessons and games each month that add some leisure to your routine.
- Enjoy buy-one-get-one tickets on BookMyShow (up to Rs.200 off), available for three purchases monthly.
2. Citi Prestige Credit Card
Joining Fees
₹20,000 + GST
Lifetime Free
No
Annual Fee
₹20,000 + GST
Annual Fee Wavier
No
Best For
Travel
Golf
Lounge Access
Shopping
Owning a Citi Prestige Credit Card truly elevates your travel experience while providing exceptional value through rewarding experiences tailored just for you.
Benefits
- One of the standout perks of this card is the complimentary access to over 800 airport lounges worldwide—available not only to primary cardholders but also to supplementary members.
- Additionally, indulge in luxury by taking advantage of a free room-only hotel stay anywhere around the globe when booking at least four nights.
- Moreover, enjoy two annual luxury airport services that include meet-and-assist assistance at thirty top international airports across the Asia Pacific.
3. Axis Bank Magnus Credit Card
Joining Fees
₹12,500 + GST
Lifetime Free
No
Annual Fee
₹25,000 + GST
Annual Fee Wavier
Yes
Best For
Travel
Lounge Access
Movies
Dining
Insurance
With the Axis Bank Magnus Credit Card, you have options ranging from e-vouchers and products to travel booking miles or SMS-based redemption at partner outlets—all tailored for your convenience!
Benefits
- Travel enthusiasts can enjoy complimentary unlimited access to international lounges via Priority Pass—plus four guest visits annually.
- Both primary and supplementary cardholders can enjoy unlimited domestic lounge visits, too.
4. HDFC INFINIA Credit Card Metal Edition
Joining Fees
₹12,500 + GST
Lifetime Free
No
Annual Fee
₹25,000 + GST
Annual Fee Wavier
No
Best For
Dining
Lounge Access
Shopping
Travel
Golf
Fuel
Insurance
Imagine having a credit card that not only enhances your purchasing power but also rewards you generously for every transaction. With the HDFC INFINIA Credit Card Metal Edition, you get just that!
Benefits
- Both primary and add-on cardholders can relax in unlimited domestic lounges while travelling internationally through Priority Pass membership—a perk extended to all add-on members, too!
- You can book three nights at participating hotels using your HDFC Infinia Credit Card but pay for just two!
- Plus, enjoy delightful culinary moments with complimentary buffet offerings—one-on-one deals await at select ITC locations.
5. ICICI Emerald Private Metal Card
Joining Fees
₹12,499
Lifetime Free
No
Annual Fee
₹12,499
Annual Fee Wavier
Yes
Best For
Travel
Lifestyle
Dining
Shopping
The ICICI Emerald Private Metal Credit Card is packed with numerous rewards and benefits tailored to enhance your lifestyle.
Benefits
- Upon joining this elite club of cardholders comes a year-long Taj Epicure membership that offers generous discounts like 25% off food and beverages as well as spa access options.
- Cancellations are available for hotel bookings, plus travel insurance coverage that protects against delays or loss concerning baggage or important documents.
- Enjoy lounge access unlimitedly when waiting at the airport!
- Get free golf rounds or lessons after spending just ₹50,000 monthly—all capped with four sessions per month!
- Significant discounts on BookMyShow tickets worth ₹1500.
6. HSBC Premier Credit Card
Joining Fees
₹12,000
Lifetime Free
No
Annual Fee
₹20,000
Annual Fee Wavier
Yes
Best For
Lounge Access
Shopping
Dining
movies
Travel
Insurance
The HSBC Premier Credit Card brings a wealth of rewards and benefits tailored just for you.
Benefits
- Enjoy unlimited access to airport lounges both in India and abroad, plus eight complimentary guest visits each year.
- Take advantage of weekly Buy One Get One Free offers through BookMyShow.
- Dining out is also made sweeter with a generous 30% discount via EazyDiner on bills up to ₹1,250.
- Expect robust protection against online fraud alongside safeguards against lost card liability all day, every day, thanks to around-the-clock customer support ready whenever required.
7. American Express Platinum ReserveSM Credit Card
Joining Fees
₹10,000
Lifetime Free
No
Annual Fee
₹10,000
Annual Fee Wavier
No
Best For
Movies
Shopping
Travel
Lounge Access
Golf
Fuel
This credit card embodies not just convenience but also sophistication across travel, dining, hospitality, and wellness experiences.
Benefits
- The card grants access to twelve complimentary airport lounge visits annually.
- You also receive at least a 10% discount on health and wellness services.
- A free movie or online shopping voucher worth ₹1,000 when your monthly spending reaches ₹50,000.
- Expect interest rates set at competitive levels: normal at 3.50 % and defaulting cases at 3.99%.
Unlock the power of the 3-in-1 RuPay Credit Card.
Enjoy 2% cashback while shopping, travelling, and dining.
Best Luxury Credit Card in India
Here are some of the best luxury credit card offerings:-
| Credit Card | Joining Fees | Lifetime Free | Annual Fee | Annual Fee Wavier | Best for |
| American Express Platinum Card | ₹66,000 + GST | No | ₹66,000 + GST | No | Travel, Insurance, Lounge Access, Dining |
| Axis Burgundy Private Credit Card | ₹50,000 + GST | No | ₹50,000 + GST | No | Travel, Dining, Golf, Movies, Shopping, Fuel |
| IDFC FIRST Private Credit Card | ₹50,000 + GST | No | ₹50,000 + GST | No | Travel, Movies, Golf, Shopping, Insurance |
| Axis Bank Reserve Credit Card | ₹50,000 | No | ₹50,000 | Yes | Travel, Lounge Access, Golf, DIning, Movies, Insurance |
| IndusInd Celesta Credit Card | ₹50,000 | No | ₹5,000 | Yes | Shopping, Travel, Dining, Movies, Golf |
Key Features & Advantages of the Most Luxurious Credit Cards in India
Check out the key features and advantages of these luxury credit cards in India so that you can choose the one that caters to your premium lifestyle.
1. American Express Platinum Card
Joining Fees
₹66,000 + GST
Lifetime Free
No
Annual Fee
₹66,000 + GST
Annual Fee Wavier
No
Best For
Travel
Insurance
Lounge Access
Dining
A treasure trove of exclusive benefits awaits you with the American Express Platinum Card, which offers unique experiences tailored just for members like yourself.
Benefits
- Enjoy discounts of up to 20% at select partner restaurants while indulging in culinary delights.
- Your travels are enhanced further with complimentary memberships to prestigious hotel loyalty programs such as Hilton or Marriott.
- Unlimited access to airport lounges globally.
- This card provides free golf games and lessons on premium courses!
- Support from Platinum Concierge service ensures every need is met seamlessly throughout your journey.
2. Axis Burgundy Private Credit Card
Joining Fees
₹50,000 + GST
Lifetime Free
No
Annual Fee
₹50,000 + GST
Annual Fee Wavier
No
Best For
Travel
Dining
Golf
Movies
Shopping
Fuel
With the Axis Bank Burgundy Private Credit Card, you open the door to a world of exclusive rewards and benefits.
Benefits
- Enjoy up to 50 rounds of golf each year.
- Round-the-clock personal concierge services that assist with everything from flight bookings to dining reservations and gift deliveries.
- Complimentary EazyDiner Prime membership offering savings at top restaurants and discounts through Axis Bank's Dining Delights program.
- For every ticket purchased through BookMyShow for five movies or events in a month, you get another one free!
- Complimentary assistance during eight airport encounters, along with unlimited access to international lounge facilities for Priority Pass members — including guest entries — as well as unrestricted domestic lounge access.
3. IDFC FIRST Private Credit Card
Joining Fees
₹50,000 + GST
Lifetime Free
No
Annual Fee
₹50,000 + GST
Annual Fee Wavier
No
Best For
Travel
Movies
Golf
Shopping
Insurance
The IDFC First Private Credit Card is a prestigious invitation-only offering, eliminating the need for an application process.
Benefits
- Luxury features enhance your experience with two monthly discounts on entertainment via BookMyShow and complimentary golf sessions each month.
- Enjoy smooth travels thanks to zero forex markup rates abroad plus interest-free cash withdrawals lasting up to an incredible forty-eight days!
- You also benefit from four free visits per year at railway lounges alongside unlimited access not only domestically but also internationally.
4. Axis Bank Reserve Credit Card
Joining Fees
₹50,000
Lifetime Free
No
Annual Fee
₹50,000
Annual Fee Wavier
Yes
Best For
Travel
Lounge Access
Golf
Dining
Movies
Insurance
The Axis Bank Reserve Credit Card seamlessly offers lavish rewards for both domestic and international spending, positioning itself as a gateway to an exclusive lifestyle filled with privileges.
Benefits
- Dining benefits include a complimentary EazyDiner Prime membership that allows savings at top restaurants while elevating your culinary experiences.
- Enjoy generous discounts on movie tickets through BookMyShow.
- Partaking in golfing at premier courses across India—up to fifty complimentary games annually!
- Insurance features enhance security against unforeseen mishaps related to purchases or travel baggage loss, among others.
- Membership perks invite you into a realm of luxury stays and dining options across various prestigious chains like ITC hotels and Accor properties.
5. IndusInd Celesta Credit Card
Joining Fees
₹50,000
Lifetime Free
No
Annual Fee
₹5000
Annual Fee Wavier
Yes
Best For
Shopping
Travel
Dining
Movies
Golf
The IndusInd Celesta Credit Card offers an impressive array of benefits that cater to both travel enthusiasts and everyday spenders.
Benefits
- You get a complimentary Club Marriott Membership, which provides significant discounts on room rates and dining at select properties across Asia Pacific, along with Tablet Plus membership perks for VIP treatment globally.
- The card includes a Priority Pass Membership granting access to international lounges twice quarterly and unlimited entry to domestic airport lounges.
- Dining out is made more enticing with EazyDiner Prime Membership, offering up to half-off meals at over 2,000 restaurants in India and Dubai.
- Enjoy BookMyShow’s buy-one-get-one-free ticket offer thrice monthly alongside event savings.
- Three free rounds of golf games along with lessons each month at prestigious courses throughout India.
- A complimentary Business Add-on Card linked seamlessly through American Express experiences!
Unlock the ultimate 3-in-1 RuPay Credit Card.
Enjoy 2% cashback while you shop, travel, and dine—lifetime free.
Eligibility Criteria to Apply for Premium Credit Cards
The eligibility criteria for premium credit cards are very stringent when compared to those of regular credit cards. Though the requirements vary across banks, the following are some of the standard factors banks check to issue a premium credit card.
- Age: Premium credit cards are issued only to individuals who have reached a certain age limit. Usually, the age limit is around 21 years, and sometimes it can even be above 26 years.
- Residential Status: Certain banks issue credit cards only to residents of the country where the bank is located. However, some also issue cards to non-resident citizens. The primary purpose is to check the stability of the country of residence.
- Income: Banks issue premium credit cards to individuals who have income above a certain cut-off. The cut-off is usually way above the national average.
- Employment Status: Premium credit cards are issued to stable and self-employed individuals. The proof of income primarily includes pay slips and income tax returns.
-
Creditworthiness: An individual’s creditworthiness is assessed through their credit score and credit history. Usually, banks prefer individuals with credit scores above 750.
Moreover, a strong credit history with on-time payments and low credit utilisation can help an individual’s candidature as it shows the ability to repay debt.
Defaults, late payments, and negative remarks in the credit report can negatively affect the application. Banks also check the number of cards the individual holds, as having too many cards can reduce creditworthiness.
- Debt-to-income Ratio: The ratio of the total monthly debt to total monthly income is the debt-to-income ratio. A low ratio is considered good.
- Relationship With the Issuer: Banks offer premium credit cards to existing customers of the bank who have a premium account with the bank with a high balance or invest in deposits and other instruments through the bank.
How Do You Apply for a Premium Credit Card in India?
Applying for a premium or luxury card is similar to applying for a standard credit card. However, the approval process can be slightly different and time-consuming. The following steps guide you in applying for a premium credit card.
- Check Eligibility Criteria: Before applying for any credit card, you must check the eligibility criteria. Do not apply if you don’t fulfil the eligibility criteria. Remember, each bank has specific criteria, so ensure you check the requirements properly.
- Fill Out the Application: Fill out the credit card application with the utmost care. Make sure the important information, such as name, age, address, income, and employment details are filled correctly. Always double-check the application before submitting it.
- Keep the Documents Ready: Banks usually ask for proof of identity, proof of address, and proof of income from you. A passport, PAN Card, Aadhar Card, or driver’s license is accepted as proof of identity. Proof of address is utility bills, and the rental agreement or Aadhar Card is accepted. Salary slips and income tax returns act as proof of income.
- Pay the Application Fee: Credit cards have an application and processing fee, which must be paid right at the time of application. Make the payment and save the acknowledgement in a safe place.
- Submit the Application: Submit your application to the bank along with the documents and passport-size photographs. You can also apply online and upload the documents into the bank’s portal.
- Approval by Bank: Once you submit your application, the bank will review it and send you its decision via email, message, or post. Since it’s a premium credit card, the approval time can be longer than that of a regular credit card.
Premium and luxury cards are designed to meet the needs of individuals who seek luxury, convenience, and exclusive benefits. If you have a passion for refined experiences, then a premium credit card can be your key to a world of privilege.
Before choosing a premium card, assess the benefits it offers along with your spending habits and match them with the benefits that are important to you. This way, you can find the card that is best for you.
What are the Added Advantages of Premium Credit Cards?
Premium credit cards offer a host of benefits to their users, and the following are just some of them.
- Rewards: Premium cards offer lucrative rewards to their users. Each rupee spent gives higher reward points, miles, and cashback, which can be redeemed for travel, dining, and hotel bookings.
- Travel Perks: From unlimited lounge access at luxury airports to free membership priority passes at airports, free hotel and air ticket upgrades, and baggage and travel insurance, these cards are loaded with travel benefits.
- Dining Indulgence: They give access to Michelin-starred restaurants and exclusive fine dining establishments with rewarding discounts and complimentary memberships to popular dining clubs.
- Shopping Experience: Premium cards do not just offer high rewards on shopping; they also give access to exclusive boutiques and discounts on limited-edition clothes and accessories.
- Exclusive Entertainment Opportunities: With premium credit cards, get exclusive access to concerts and games along with VIP packages designed especially for the user.
- Enhanced Financial Services and Protection: These cards come with a very high credit limit, low or nil foreign transaction fees, and extended warranties and purchase protection on goods such as mobile phones, laptops, and cameras.
- Improved Security and Benefits: Premium cards are also designed to offer premium protection against credit card frauds, emergency assistance in case of lost luggage and medical emergencies, and travel accident insurance.
Factors to Consider While Getting a Premium Credit Card
-
Annual Fees
When picking a premium credit card, one important thing to look at is the annual fee. This is a yearly charge you have to pay just to have the card. Premium cards often come with higher annual payments, so make sure the benefits and rewards you get are worth the cost. Compare the fee to what the card offers to see if it’s a good deal for you.
-
Rewards and Benefits
Another important factor is the rewards and benefits the card offers. Premium credit cards usually provide various perks, like cashback, points, or miles for every purchase. Check what kind of rewards you can earn and if they match your spending habits. Also, look at any additional benefits, such as discounts or special offer tie-ups in sales.
-
Interest Rates
Interest rates are crucial to consider, especially if you might carry a balance. Premium credit cards may have higher interest rates, so it’s important to understand how much you are charged if you don’t pay off your balance in full. Look for cards with lower interest rates or ones that offer promotional rates if you think you carry a balance.
-
Travel Benefits
If you travel often, check the travel benefits that come with the card. Many premium cards offer perks like airport lounge access, travel insurance, and no foreign transaction fees. These benefits can make your travel experience more comfortable and affordable. So, see which card offers the best travel-related advantages for you.
-
Lifestyle Benefits
Consider the lifestyle benefits provided by the card. Premium cards often offer perks related to dining, shopping, and entertainment, such as special discounts, access to exclusive events, or concierge services. Think about how these benefits align with your lifestyle and if they enhance your everyday experiences.
-
Customer Service
Finally, look at the customer service provided with the card. Premium credit cards should offer high-quality support, including 24/7 assistance and quick resolution of issues. Good customer service can make a big difference if you run into any problems or need help with your card, so make sure the card issuer has a reputation for excellent service.
Methodology for Top Premium Credit Cards
- Ease of Use: We look at how simple it is to understand the cashback or reward points system and how easy it is to use those points. We also consider whether there are limits to earning these rewards.
- Extra Facilities: This includes additional perks that come with the card, such as welcome bonuses, discounts on items other than fuel, and surcharge waivers.
- Cost of the Card: We evaluate the card’s annual fee, any extra charges, hidden fees, and available rebates.
- Acceptance: A top credit card should be widely accepted, and the issuer should be reputable.
- Redemption of Reward Points: It’s important that redeeming reward points is clear and straightforward.
FAQs
Does HDFC have a black credit card?
HDFC has a credit card called the Diners Club Black Credit Card, which offers exclusive offers to its customers.
Are premium credit cards good?
Yes, premium credit cards are good as they offer exclusive benefits to their clients. The eligibility criteria for these cards and the selection of offers given are unique to the other credit cards provided by the financial institutions.
What is a premium credit card?
A premium credit card is a type of credit card that comes with a higher annual fee and offers enhanced benefits and features compared to standard cards. These may include higher credit limits, exclusive rewards programs, travel perks, and more comprehensive insurance coverage.
What is a super premium credit card?
A super premium credit card is an elevated version of a premium credit card designed for high-net-worth individuals. These cards offer all the benefits of premium cards but with even more luxurious rewards and exclusive services. This can include personalised concierge services, access to private events, and tailored travel arrangements.
What is a Luxurious Credit Card?
A luxurious credit card is similar to super premium cards but is often associated with elite status and exclusivity. These cards usually provide superior benefits, such as elite membership in travel programs, exclusive access to luxury experiences, and top-tier customer service. Luxurious cards often come with a significantly higher annual fee, reflecting their premium offerings.
Will I get a concierge service with premium credit cards?
Yes, many premium credit cards come with concierge services as part of their benefits. The level of service may vary by the card issuer. So, it’s essential to check the specific details of your card.
Do I get milestone benefits with my premium credit cards?
Absolutely! Most premium credit cards offer milestone benefits that reward you for reaching spending thresholds. The specifics can vary between card issuers. So, it’s advisable to read the terms and conditions to understand how you can maximise these benefits.
Looking for a Specific Credit Card?
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Priyanka Rao is a content strategist for Jupiter.Money, and specializes in writing on topics related to finance, banking, budgeting, salary & wages, and other financial matters. She has a passion for creating engaging content that resonates with audiences across various digital platforms. In her free time, Priyanka enjoys traveling and reading, which allows her to gain new perspectives and inspiration for her work. With a keen eye for detail and a creative mindset, Priyanka is committed to creating content that connects well with her readers, enhancing their digital experiences.
Priyanka Sharma is the Head of Credit Cards (Sr. Director Business & Product - Credit Cards) at Jupiter Money, where she leads the growth and development of the company’s credit card portfolio. She is responsible for driving strategic initiatives and enhancing customer experiences through innovative credit products. Priyanka’s leadership is shaping Jupiter’s approach to simplifying personal finance for its customers.
Prior to her role at Jupiter Money, Priyanka was an Engagement Manager at McKinsey & Company, where she provided strategic advice to clients across various sectors. Her expertise in business strategy, growth, and operations was built on her strong analytical skills and client-focused problem-solving abilities. Earlier in her career, she worked at ZS, a global business consulting firm, where she contributed to various projects, gaining significant experience in data-driven business decisions.
Priyanka holds a Post Graduate Programme in Management with a focus on Finance, Strategy, and Leadership from the Indian School of Business (ISB), where she graduated with distinction, earning a place on the ISB Dean’s List. This prestigious academic achievement underscores her deep understanding of financial strategy and leadership, which she continues to leverage in her fintech leadership role.
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