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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