Best Super Premium Credit Cards in India 2023

BEST PICK FOR: Rewards, Lounge Access, and Air Miles
ANNUAL FEE:

• 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 Bank 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. 2X rewards are offered on dining spends and 10X on travel and shopping spends made via HDFC SmartBuy
• Air accident death coverage of up to Rs. 3 crore
• Medical Emergency Cover of Rs. 50 lakh
• Credit Shield Cover of up to Rs. 9 lakh
• 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

Interested in HDFC Bank Infinia Credit Card Metal Edition? Find More Details Here
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Best Pick for: Travel and Rewards
Annual Fee: Rs. 10,000, 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. 1500 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 on spending Rs. 100
• Reward points can be redeemed to purchase flight tickets, e-gift vouchers, booking hotels
• Free movie tickets worth Rs. 1000 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
• 1 domestic airport spa access per quarter
• Low foreign currency markup fee of 1.99%
• Flight Cancellation Benefits: In case of refundable tickets, coverage of Rs. 3,500 per ticket and for non-refundable ticket coverage of Rs. 3,000 per ticket

Know more about SBI Aurum 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)
• 15% saving at Postcard hotels
• 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%
• Cash withdrawal charges: Nil
• Fuel surcharge waiver of 1% on fuel transactions ranging between Rs. 400 to Rs. 4,000
• Air accident insurance cover of Rs. 4.5 crore

Know more about Axis Reserve Credit Card

Best Pick For: Rewards and International Travel
Annual Fee: Rs. 10,000
Minimum Income Requirement: For salaried: Rs. 1.75 lakhs per month and for self-employed minimum ITR of Rs. 21 lakh per annum

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, Zomato Pro, MMT BLACK, and Times Prime on spending Rs 1.5 lakh during the first month
• On spending Rs. 80,000  2 vouchers can be selected every month- from Ola Select | cult.fit Live | BookMyShow | TataCliQ worth Rs. 500 each
• 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
• Credit liability cover of Rs. 9 lakh
• Low foreign currency markup of 1.99%
• Unlimited lounge access to 1000+ Airport Lounges in India and across the world for primary and add-on card members.
• Air accident insurance cover of Rs. 2 crore
• Emergency overseas hospitalization of Rs. 50 Lakh
• Travel Insurance Cover of up to Rs. 55,000 on baggage delay

Know more about HDFC Diners Club Black Credit Card

Best Pick For: Travel and Rewards
Joining Fee: Rs. 9,999 (Nil, if applied through Paisabazaar)
Annual Fee: Nil
Minimum Income: Communicated at the time of application

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. You can avail up to 3 free tickets in a month and a maximum discount of Rs. 200 on each ticket.

Suggested Read: Best Credit Cards for Airport Lounge Access

Best Pick For: Rewards
Annual Fee: Rs. 20,000
Minimum Annual Income: Rs 25 Lakh

Citi Prestige Credit Card comes with a welcome benefit of Rs. 2,500 reward points, along with additional benefits worth Rs. 10,000 from ITC hotels or Taj Group each year. Some other features and benefits of this card are listed as follows:

• 1 reward point for every Rs. 100 spent online or at a store for domestic purchases
• 2 reward points for every Rs. 100 spent internationally
• Complimentary night stay at any hotel or resort when you book a minimum consecutive four-night stay
• Privileged golf rounds and services at selected golf courses in India
• 4 golf rounds and golf lessons each year at over 15 leading golf clubs in India
• Priority Pass lounge access for add-on cardholders along with primary cardholders
• Reward points can be redeemed without any expiry
• Reward points conversion into air miles at a rate of 1 reward points= 4 air miles
• Overseas medical insurance of USD 50,000
• Air accident insurance cover of up to Rs. 5 Crore and lost card protection of Rs. 10,00,000

Know more about Citi Prestige Credit Card

Best Pick For: Rewards
Annual Fee: Nil
Minimum Income Requirement: To be disclosed at the time of application

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 chargers
• Overseas air accident insurance cover of Rs. 1.2 crore and medical insurance worth USD 25,000.

Know more about Standard Chartered Priority Visa Infinite