Almost all major banks in India have at least one premium credit card in their list, targeted at the High Net-worth Individuals (HNIs). They reach out to their affluent clientele to offer these cards along with very high credit limit. Premium credit cards are packed with huge benefits across categories but they also charge high annual fee for it. So, before we go on and talk about the top premium credit cards in India, here are the 3 most important things to know about a premium credit card.
3 Most Important Facts about Premium Credit Cards
|1. Not everyone will qualify for 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, premium credit cards come with exclusive benefits|
Top 7 Premium Credit Cards in India
The list below shows the best premium credit cards in India from different banks.
|Credit Card||Annual Fee||Premium Highlight|
|Citi Prestige Credit Card||Rs. 20,000||Rs. 10,000 Welcome Vouchers from Taj Group or ITC Hotels|
|HDFC Diners Club Black Credit Card||Rs. 10,000||Membership to Amazon Prime, Zomato Gold, Club Marriott and more|
|ICICI Emeralde Credit Card||Rs. 12,000||Discount across Lifestyle Services such as Gym and Spa|
|American Express® Platinum Card||Rs. 60,000||Vouchers from Taj, SeleQtions and Vivanta Hotels worth Rs. 45,000|
|Standard Chartered Bank Ultimate Credit Card||Rs. 5,000||5% cashback on duty-free spends|
|Axis Bank Reserve Credit Card||Rs. 30,000||Welcome Gift of Luxury Dining Experience in a Chauffeur-driven car|
|IndusInd Bank Pinnacle Credit Card||Rs. 25,000*||Luxury Welcome Gifts from Oberoi Hotels, Montblac, Vero Moda & more|