Best Super Premium Credit Cards in India 2023

Super-premium credit cards cater to high-income individuals. They usually feature a higher reward rate and premium benefits like access to the loyalty programs of premium hotel chains, unlimited lounge access, VIP services at airport, complimentary golf games, etc. An important point to note about premium credit cards is that they come with stringent eligibility criteria and not everyone will qualify for these cards. The annual fee is also comparatively high, usually ranging from Rs. 10,000 to Rs. 20,000 and sometimes going beyond Rs. 50,000. Though premium credit cards charge a high fee, the benefits they offer surpasses their fee by a wide margin.

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Top Premium Credit Cards in India for December 2023

The list below shows some of the best credit cards in India offered by different card providers for people who have a high income:

Before we go on and talk about the top super-premium credit cards in India, here are the 3 most important things which you should keep in mind:

3 Most Important Facts about Super Premium Credit Cards

1. Not everyone will qualify for super-premium credit cards
2. They usually carry a very high annual fee (Rs. 10,000 to Rs. 20,000), sometimes even beyond Rs. 50,000
3. Unlike regular cards, super-premium credit cards come with exclusive benefits

HDFC Infinia Credit Card Metal Edition

Best Pick For: Rewards, Lounge Access, and Air Miles
Annual Fee: As follows,

• For credit cards sourced before 18 October 2021: Rs. 10,000+ taxes (Waived off on spending Rs. 8 lakh or more)
• For Infinia Credit Card Metal Edition: Rs. 12,500+ taxes (Waived off on spending Rs. 10 lakh or more)

THIS IS AN INVITE-ONLY CREDIT CARD

HDFC Infinia Credit Card Metal Edition is one of the best super premium credit cards in the market. Its benefits are listed below:

• Free Priority Pass Membership and unlimited access to its lounges in India & abroad
• Low Foreign Currency Mark-up fee of 2% (GST extra)
• Unlimited free golf games at select golf courses in India and overseas
• Welcome benefit of 1 year Club Marriott Membership (Membership offers 20% discount on dining and stays at their hotels)
• 5 reward points per Rs. 150 spent on retail, except fuel
• 10X rewards on travel and shopping spends made via HDFC SmartBuy
• Good Food Trail dining program at premium restaurants across top cities
• 1% fuel surcharge waiver at all fuel stations in India. Valid on transactions between Rs. 400 and Rs. 1 lakh

SBI Aurum Credit Card

Best Pick for: Travel and Rewards
Annual Fee: Rs. 9,999, waived off on spending Rs. 12 lakh or above in a year

THIS IS AN INVITE-ONLY CREDIT CARD

SBI Aurum Credit Card is a super-premium credit card for people who have a high income. The card is available at a high annual fee but offers exclusive benefits across various categories. Some benefits of this card are listed are follows:

• Welcome benefits worth Rs. 10,000 via 40,000 reward points
• Milestone Benefits: Rs. 1,500 Tata Cliq voucher on spending Rs. 1 lakh monthly; Rs. 5,000 LUXE voucher on spending Rs. 5 lakh annually; Rs. 10,000 Taj vouchers on spending Rs. 10 lakh annually
• 4 reward points for every Rs. 100 spent
• Free movie tickets worth Rs. 1,000 every month, subject to not claiming more than two tickets at a single transaction
• Access to 4 domestic lounge visits per quarter
• Unlimited international lounge access for primary cardholder & 4 visits for accompanying guests
• 1 domestic airport spa access per quarter
• Low foreign currency markup fee of 1.99%

Axis Reserve Credit Card

Best Pick For: Travel and Lifestyle
Annual Fee: Rs. 50,000 (waived off on spending Rs. 25 lakh in the previous year)

THIS IS AN INVITE-ONLY CREDIT CARD

Axis Reserve Credit Card is a premium card that provides you luxurious benefits. The card comes with a high joining fee of Rs. 50,000. Some benefits of this card are listed as follows:

• 4 chauffeured luxury airport drops and pickups per year
• Unlimited domestic lounge access
• Unlimited international lounge access with Priority Pass membership
• Club Marriott Asia Pacific Membership: 20% off on food and beverages; 20% off at participating Marriott hotels in India and at Asia Pacific (on weekend rates)
• 50 golf rounds each year across the best golf courses in India
• Offers on BookMyShow – Buy 1 and Get 1 ticket; Buy 1 ticket and get up to Rs. 500 off on the second ticket ( subject to a maximum of 5 times per month); Buy 1 non-movie ticket and get up to Rs. 1,000 discount on the second ticket (subject to a maximum of 5 times per month)
• Savings of up to 25% with EazyDiner Prime Membership at premium restaurants
• 15 EDGE reward points on spending Rs. 200
• Twice the rewards on international spends
• Low foreign currency mark up fee of 1.5%

HDFC Diners Club Black Credit Card

Best Pick For: Rewards and International Travel
Annual Fee: Rs. 10,000

HDFC Diners Club Black is a super-premium credit card best suited for high-income groups. Some exclusive features of this card are listed as follows:

• Annual memberships of Club Marriott, Forbes, Amazon Prime, MMT BLACK and Times Prime on spending Rs 1.5 lakh during the first month
• 5 reward points on spending Rs. 150
• Up to 10X reward points on partner brands
• 2X reward points on weekend dining
• 6 golf games across selected courses in the world
• Low foreign currency markup of 2%
• Unlimited lounge access to 1,000+ airport Lounges in India and across the world for primary and add-on card members

IndusInd Bank Legend Credit Card

Best Pick For: Travel and Rewards
Joining Fee: Rs. 9,999 (Nil, if applied through Paisabazaar)
Annual Fee: Nil

IndusInd Bank Legend Credit Card is a super-premium credit card that is best-suited for people who travel & want to earn reward points. You can avail benefits on multiple categories, including travel, shopping, dining, entertainment and more via this credit card. Here are some of the key features and benefits of IndusInd Legend Credit Card:

• 1 reward point for every Rs. 100 spent on weekdays
• 2 reward points for every Rs. 100 spent on weekends
• 1 complimentary visit at participating international lounges within India & abroad per quarter
• 2 complimentary domestic lounge visits per quarter
• Complimentary golf games and individual golf lessons every month
• Complimentary Priority Pass Membership for primary and add-on cardholders which gives access to 700+ lounges across the world
• Travel Plus Program at an annual fee of Rs. 5,000 (You can avail international lounge visit fee waiver of $27 for up to 8 visits in a year)
• Buy one get one movie ticket free on bookings via BookMyShow (Avail up to 3 free tickets in a month and a maximum discount of Rs. 200 on each ticket

Axis Bank Magnus Credit Card

Best Pick For: Travel & Rewards
Annual Fee: Rs. 10,000

Axis Bank Magnus Credit Card is an all-rounder super-premium credit card that offers benefits across multiple categories. The card offers higher benefits across travel and rewards categories, along with benefits on movies and dining. Some of the key features and benefits of this card are listed as follows:

• Welcome benefits of one complimentary economy class ticket (up to Rs. 10,000) across any domestic location OR TataCLiQ voucher worth Rs. 10,000
• Unlimited complimentary international lounge visits with Priority Pass with 8 additional guest visits per year
• Unlimited visits to domestic airport lounges
• 8 complimentary end-to-end VIP service at the airport
• 12 Axis EDGE Reward Points on spend of every Rs. 200
• 25,000 EDGE Reward Points on reaching monthly spends of Rs. 1 lakh
• Buy one movie/event ticket on BookMyShow and get up to Rs. 500 off on the second ticket
• Up to 40% discount at 4,000+ partner restaurants in India under the Dining Delights Program

Standard Chartered Priority Visa Infinite Credit Card

Best Pick For: Rewards
Annual Fee: Nil

Standard Chartered Priority Visa Infinite is a super-premium credit card with a good reward rate. The card is offered to Standard Chartered priority banking clients. With this credit card, you can avail of exclusive lifestyle benefits on travel, insurance, and dining under ‘The Good Life Programme’. Some features of this card are listed as follows:

• 5X reward points for spending Rs. 100 overseas
• 5X reward points for spending Rs. 100 on retail fashion
• 2X reward points on other spends
• 4 domestic lounge access at selected airports every quarter
• With Priority Pass Membership, access to 1,000 airport lounges across the globe at nominal charges
• Overseas air accident insurance cover of Rs. 1.2 crore and medical insurance worth USD 25,000