Best Premium Credit Cards in India for HNIs 2021
The list below shows the best premium credit cards in India from different banks.
|Credit Card||Annual Fee (Excluding Taxes)||Premium Highlight||Eligibility Criteria*|
|HDFC Bank Diners Club Black||Rs. 10,000||Annual Memberships (MMT DoubleBlack, Club Marriott, etc.)||Minimum Income: 1.75 lakh per month|
|HDFC Bank Infinia||Rs. 10,000||Unlimited free golf games at select courses worldwide.||By Invitation Only|
|SBI Card ELITE||Rs. 4,999||Free Memberships (Club Vistara, Priority Pass, etc.)||Minimum Income: Rs. 60,000 per month|
|American Express Platinum Reserve||Rs. 10,000||Hotel Privileges at Taj hotels and Preferred Hotels & Resorts||Minimum Income: Rs. 6 lakh per annum|
|ICICI Bank Emeralde||Rs. 12,000||Unlimited Lounge Access|
No over limit, cash withdrawal or late payment charges
|Minimum Income: Rs. 3 lakh per month|
ICICI Bank Global Private Client
|Standard Chartered Ultimate||Rs. 4,999||Get access to select golf courses in India and 150 courses worldwide||Minimum Income: Rs. 2 Lakh per month|
|YES First Exclusive||Rs 9,999||Unlimited Priority Pass access||Minimum Income: Rs. 4 lakh per month|
*Minimum income shown is for salaried applicants only. Income and other eligibility criteria for self-employed applicants may be different.
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|
Read more about the 7 best premium credit cards in India below: