HomeCredit Card10 Best Premium Credit Cards in India 2023

10 Best Premium Credit Cards in India 2023

The best premium credit cards in India offer the best lifestyle perks and perks you can’t expect from a regular credit card. Some high-end amenities include:

  • Complimentary lounge availability at domestic and international airports,
  • Reward points program, and many more.

If you want to redeem reward points, premium credit cards in India offer equally exciting redemption options for a range of premium products and services. Another attraction with most premium credit cards in India is the unique services a dedicated concierge provides.

As the name suggests, the best premium credit cards in India offer premium benefits to Indian users. These credit cards have premium perks and perks not found in traditional credit cards. premium credit cards in India usually provide much higher credit limits. Users can take advantage of additional benefits such as travel insurance, product warranty, and emergency services. Getting the best premium credit cards in India requires good credit and strong credit history.

Today, using premium credit cards in India is not only to get extra credit from banks but to take advantage of additional discounts and offers when buying accessories. Anyone can get the best premium credit cards in India if they meet all the conditions.

Read more: 10 Best Cashback Credit Cards in India

10 Best Premium Credit Cards in India

S.no Best Premium Credit Cards India Best for Joining fees
1 SBI Elite Credit Card Rewards and travel Rs. 4999
2 SBI Prime Credit Card Travel shopping and reward Rs. 2999
3 HDFC Regalia Credit Card Travel and Dining Rs. 2500
4 Etihad Guest SBI Premier Card Travel Rs. 4900
5 HDFC Diner’s Club Black Card Travel and Lifestyle Rs. 10,000
6 YES Premier Credit Card Travel and Entertainment Rs. 999
7 YES First Preferred credit card Shopping and Travel Rs. 999
8 ICICI Rubyx Credit Card Lifestyle, Dining, Movie Rs. 3000
9 Axis Signature Credit Card Travel Rs. 5000
10 Axis Bank Vistara Credit Card Travel Rs. 1500

Here, you will find the details of the Best premium Credit cards in India with features.

1. SBI Elite Credit Card

The SBI Elite Credit Card is the best premium credit card in India which offers attractive benefits for purchasing fashionable products. You can buy premium credit cards in India for a one-time fee of ₹4999; you can renew the card annually for an annual fee of ₹4999 (tax excluded).

Features and Benefits:

  • You can earn a welcome offer gift worth ₹5000 on most premium credit cards in India.
  • You can buy food and groceries and get 5x rewards.
  • You can win 15,000 Bonus Rewards by spending from ₹5 – ₹8 Lacs.
  • Spend ₹ 3 – ₹4 Lacs for years and earn 10,000 reward Points.
  • You can avail of significant savings at top spas and lifestyle shops with these premium credit cards in India.
  • Fraud liability cover of ₹1 Lac.
  • In one year of this best credit card premium, you can receive movie tickets worth ₹6000.

2. SBI Prime Credit Card

The SBI Prime Credit Card is available with a one-time annual fee of Rs.2999. You can get electronic gifts from Marks and Spencer, Yatra.com, Shopper Stop, and Pantalons while using these premium credit cards in India.

Features and Benefits:

  • These best premium credit cards in India offer you 15 Reward Points when you spend ₹100 at Reliance Fresh, Reliance Trends, Reliance Smart, Reliance Footprint, and BigBasket stores.
  • You can get 10 Reward Points when you spend ₹100 on groceries, restaurants, movies, and department stores using premium credit cards in India.
  • Receive 20 points reward for ₹100 when you pay your birthday bill using premium credit cards in India.
  • If you spend ₹50,000 in any calendar quarter, you can get ₹1,000 Pizza Hut eVoucher.
  • Receive ₹7,000 E-gift card available at yatra.com when you spend ₹5 Lac.
  • You can get a FREE Club Vistara Silver Membership.

3. HDFC Regalia Credit Card

HDFC Regalia Credit Card is easy to buy at ₹2500. The renewal fee for this best premium credit card in India is ₹2500, payable in one year.

Features and Benefits:

  • Premium credit cards in India provide you with 6 Vistara Club Points when you spend 100₹ on Vistara flights.
  • If you spend ₹150 with this most premium credit card in India, you can get 4 Reward Points.
  • You can enjoy a 5 kg extra baggage allowance.
  • You can earn 8 Reward Points by spending ₹150 when you book on HDFC Regalia’s official website for the most premium credit card in India.

4. Etihad Guest SBI Premier Card

The State Bank of India provides premium cards, and the Etihad Guest SBI Premier Card is one of them. Take advantage of the features and benefits of the best premium credit cards in India.

Features and Benefits:

  • These best premium credit cards in India provide you with great discounts on Etihad Airways business class tickets.
  • You can enjoy up to 10% off when you redeem Travel Award Miles.
  • Get free Etihad Guest Gold status after making your first transaction with your premium credit cards in India.
  • Get two free Wi-Fi vouchers when you book your first flight with premium credit cards in India.
  • You can earn 6 Etihad Guest Miles for every £100 spent on Etihad’s official websites.
  • You can earn 4 Etihad Guest Miles for every ₹100 spent abroad.
  • Enjoy 2 Etihad Guest Miles when you spend ₹100 each on other purchases using premium credit cards in India.
  • You can earn 1,500 Etihad Guest Miles on every JPY 15,000 spent. Get ₹800,000 companion vouchers for years.
  • Enjoy 8 Complimentary Access to up to 2 Indian Domestic Visa Lounges per Quarter.
  • You get complimentary overseas air accident cover of ₹50 lakhs.
  • You get free ₹50 lakhs International Air Accident Insurance.

5. HDFC Diner’s Club Black Card

You can get HDFC Diner’s Club Black Card if you are an office worker between the ages of 21 and 60 with a monthly income exceeding INR 1.75 lakh. Also, to get the most premium credit card in India, the age limit for self-employed should be between 21 and 65 years old, and the Income Tax Return filed by the individual must be at least Rs 2.1 lakh per annum.

Features and Benefits:

  • With your first swipe of the best premium credit cards in India, you can earn welcome membership benefits with Club Marriott, Zomato Gold, Amazon Prime, Forbes, and Times Prime.
  • Spend ₹80,000 in the month to enjoy the monthly benefits of OLA, BookMyShow, or Tatacliq coupons.
  • You get golf course recommendations and reservation support if you have the most premium credit card in India.
  • Get business services tailored to your business needs.
  • Enjoy 5 Reward Points for each retail issue worth ₹150.
  • Receive 2,000 reward points on insurance transactions in a single year of the best credit card premium.
  • Complimentary golf programs (no green fees) are available at approximately 20 golf courses nationwide and over 40 golf courses worldwide.
  • Enjoy access to 800 Airport lounges worldwide with Indian domestic lounges.
  • You can get assistance with Courier Service if you have premium credit cards in India.

6. YES Premier Credit Card

YES, the Premier Credit Card annual fee is ₹1500 plus tax, waived if spending over ₹20,000 in 90 days. If a user uses more than ₹1.5 lacs per year with this best premium credit card in India, they can also waive the annual renewal fee of ₹1500 plus tax.

Features and Benefits:

  • You can earn 4 Reward Points when you spend ₹100 at Grocery Stores and Supermarkets.
  • You can earn 3 Reward Points when you spend ₹100 in other categories.
  • You can earn 750 Reward Points for the YES PayNow signup using this most premium credit card in India.
  • Get a 25% discount on BookMyShow on tickets for movies.
  • ₹2.5 Lac Credit Shield on the accidental death of a Primary user of the best credit card premium.

7. YES First Preferred Credit Card

Enjoy the privileges of YES First Preferred credit card at just an annual fee of ₹2500 plus taxes which makes it the most premium credit card in India.

Features and Benefits:

  • You can earn 15000 reward points on the first transaction within 90 days of the premium credit card in India issuance.
  • Get 10000 points on every renewal of the best credit card premium.
  • Spend ₹7.5 Lacs for years and get 20000 Reward Points.
  • Spend ₹100 at travel agents, domestic airlines, and restaurants to earn 8 Reward Points.

8. ICICI Rubyx Credit Card

The ICICI Rubyx Credit Card is available with an annual fee of INR 3,000 plus tax and an annual renewal fee of INR 2,000. Your bank will waive the renewal fee if you spend more than ₹3,00,000 on these best premium credit cards in India in a year. Therefore it is the most premium credit card in India.

Features and Benefits:

  • You can get a free Buy 1 Get 1 Movie ticket monthly on BookMyShow.
  • You can get two free movie tickets worth up to ₹300 each month.
  • After paying the entry fee using premium credit cards in India, you will receive a shopping and travel voucher worth ₹5,000.
  • You can collect up to 15,000 Payback Points each year.

9. Axis Signature Credit Card

The Axis Signature Credit Card is available with an annual fee of ₹5,000. There is also a renewal fee of ₹3,000, which will waive if the user makes a transaction of ₹3,00,000 in a year.

Features and Benefits:

  • The best premium credit cards in India will cover your Aviation accidents by up to Rs 2.5 crore.
  • Protection on purchases up to ₹1 Lac.
  • Lost travel documents are covered up to $300.
  • Late Check-In Baggage is covered up to $300.

10. Axis Bank Vistara Infinite Credit Card

The Axis Bank Vistara Credit Card is the most premium credit card in India which has an initiation fee of INR 10,000 and a renewal fee of INR 10,000 from the second year. In case of a lost or stolen card, the bank will not charge any fee for re-issuing the premium credit cards in India.

Features and Benefits:

  • You can earn 6 Club Vistara points for every INR 200.
  • You get Boarding Benefits and Extra Baggage Allowance as a Vistara Club Member.
  • As a member of the Vistara Club, you get complimentary lounge access. You will receive a complimentary business-class gift.

Three Important Facts About Super Premium Credit Cards

Super premium cards are the best premium credit cards in India which provide you with various benefits. Let’s have a look at some facts about them:

  1. Super-Premium Cards are only for some.
  2. Annual fees are usually very high (Rs. 10,000 to Rs. 20,000) and sometimes Rs. Over 50,000
  3. Different from conventional cards, the Super Premium Credit Card has advantages. These best premium credit cards in India come with exclusive benefits.

Differences Between Premium and Non-premium (Regular) Credit Cards

Best Premium Credit Cards India has specific features and benefits that differ from Regular credit cards. The premium benefits of these premium credit cards in India also mean that some cards may have higher fees than regular cards.

Fees and Charges:

Associated prices Such as Admission fees, renewal fees, etc. are higher for the best premium credit cards in India than standard cards.

Eligibility Criteria:

In addition to other criteria, to qualify for the best premium credit cards in India, most of these cards require a relatively high annual income above Rs. 50,000.

Enrollment Bonuses:

Most premium credit cards in India offer attractive enrollment bonuses such as bulk reward points, free flights, and airline miles.

Reward Points:

The high Reward Points Program is a vital benefit of the best premium credit cards in India. You can earn points using your premium credit cards in India in multiple lifestyles and other categories.

Additionally, the accelerated Reward Points program on these premium credit cards in India allows you to make massive amounts of Rewards you can redeem for premium products and services.

Regular cards offer regular reward points, but they are less attractive than premium credit cards in India.

Access:

The best premium credit cards in India provide free access to Lounge services, such as Priority Pass membership.

Golf Program:

You should choose premium credit cards in India to enjoy complimentary golf sessions at domestic and international golf courses.

Milestone Bonuses:

With the best premium credit cards in India, you receive a certain number of Rewards points as a bonus when your annual spending on the premium credit cards in India exceeds a certain amount set by the issuer.

How do I apply for a Premium Credit Card in India?

If you are interested in purchasing the best premium credit cards in India, you can choose one of two ways to apply:

1. Online

To apply for the best premium credit cards in India online, please follow the steps below:

  1. Go to the official website of your preferred credit card company.
  2. Select the type of credit card you wish to apply.
  3. Click the “Apply Online” option.
  4. You will get an OTP on your registered mobile phone.
  5. Continue with this OTP.
  6. Enter your personal information.
  7. Select Apply to continue.

2. Offline

Once you have selected your credit card, you can easily apply by visiting your bank. A representative will help you complete the application and select the appropriate premium credit cards in India. The bank will check your eligibility based on specific parameters such as credit score, monthly income, and credit history.

Required Documents to Apply for Premium Credit Cards

The essential documents for the Best Premium Credit Cards in India depend on the issuer. However, some documents are standard for all. These are:

Name of Document Type of Document
Proof of Identity
  1. Driving license
  2. Voter ID card
  3. Aadhaar card
  4. Ration Card
  5. Passport
  6. PAN Card
Address proof 1. Rental agreement

2. Ration card

3. Aadhaar card

4. Passport

Income proof (for salaried individuals) 1. Recent salary slips

2. Employment letter

3. Your salary certificate

Income proof (for self-employed individuals) 1. Certified financials

2. Your balance sheet or profit and loss statement

3. Recent Income Tax Returns documents

PAN card  
Photograph  

Read more: 5 Best Credit Cards in India

Conclusion

Now you have a list of the top 10 Premium Credit Cards. You know all the perks of each premium credit card in India. It will be easy for you to decide and apply for premium credit cards in India. You can avail of all the additional premium services with all the features of the best premium credit cards in India.

Best Premium Credit Cards in India 2022 – FAQs

Can I use milestone benefits with my premium credit card?

Ans. Yes, with the best premium credit cards in India, you receive a certain number of Premium Points as a bonus from your annual purchases as determined by the card issuer.

Does the Premium Credit Card offer lounge services?

Ans. The best premium credit cards in India provide free and paid access to international and domestic airport/railway lounges through international programs such as Priority Pass membership.

How many golf games can I play with the HDFC Diners Black Card?

Ans. You will receive six free golf games, a quarter at national and international golf courses.

How much income do I need to apply for the American Express Membership Rewards credit card?

Ans. The minimum income requirement is Rs 60,000.

What is the age limit for the HDFC Bank Diners Club Black Card?

Ans. If employed, you must be between 21 and 60 years old; if self-employed, you must be between 21 and 65.

How much is the enrollment fee for Air India SBI Signature Card?

Ans. The enrollment fee for these premium credit cards in India is Rs.4,999.

Are there entertainment benefits with SBI Card ELITE?

Ans. Yes, you can earn Rs 6,000 free movie tickets and up to 50,000 bonus reward points per year.

FinanceGABhttps://www.financegab.com/
Ajeet Sharma, the founder of Financegab and a well-known name in the field of financial blogging. Blogging since 2017, he has the expertise and excellent knowledge about personal finance. Financegab is all about personal finance which aims to create awareness among people about personal finance and help them to make smart, well-informed financial decisions.

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