Best Golf Credit Cards in India for 2026

Compare Top Golf Credit Cards in India 2026

HDFC Infinia Credit Card

4_/5

Joining fee: ₹12500

Annual/Renewal Fee: ₹12500

Unlimited airport lounge access for primary and add-on members

10x reward points on travel and shopping spends on Smartbuy

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• 1 RP = 1 Air Mile or Rs. 1 for travel bookings, Apple products and Tanishq vouchers purchased via SmartBuy
• Invite-only card with Club Marriott membership and 12,500 reward points on card activation & renewal
• 5 reward points on every Rs. 150 spent, including spends on insurance, utilities and education​
• Access to unlimited golf games and lessons across premium golf courses worldwide
• Book 3 nights stay at participating ITC hotels and pay for 2 with 1+1 complimentary weekend buffet
• Low forex mark-up fee of 2%

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ICICI Emeralde Private Metal Credit Card

4_/5

Joining fee: ₹12499

Annual/Renewal Fee: ₹12499

Taj Epicure & EazyDiner Prime memberships

Unlimited airport lounge visits

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• Rs. 3,000 EaseMyTrip vouchers on reaching each annual spending milestone of Rs. 4 Lakh and Rs. 8 Lakh
• Unlimited golf lessons or rounds every month on creating a Golftripz account
• EazyDiner membership, up to 50% off on dining in India & Dubai; 2,000 EazyPoints on joining
• Buy 1 ticket and get up to Rs. 750 off on the 2nd ticket on BookMyShow bookings, twice a month
• 1% fuel surcharge waiver of up to Rs. 1,000 per month on fuel transactions below Rs. 4,000
• Low forex markup fee of 2%

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IDFC FIRST Private Credit Card

4_/5

Joining fee: ₹50000

Annual/Renewal Fee: ₹50000

Complimentary Club ITC Culinaire Select and Accor Plus Explorer Membership

Unlimited international & domestic airport lounge access

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• Complimentary Club ITC Culinaire Select and Accor Plus Explorer Membership
• 10 reward points per Rs. 100 spent across all categories except rent, education and insurance
• Unlimited complimentary golf rounds and lessons at leading golf courses
• Unlimited domestic and international lounge access for primary and add-on cardholders
• Instant discount of up to Rs. 1,500 per month for movies, plays, and event ticket bookings at BookMyShow, twice in a month

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Axis Bank Reserve Credit Card

3.5_/5

Joining fee: ₹50000

Annual/Renewal Fee: ₹50000

Unlimited domestic & international lounge visits via Priority Pass

Low forex mark-up fee of 1.5% with 2X reward points on international spends

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• Up to 30 EDGE reward points for every Rs. 200 spent
• B1G1 offer on BookMyShow tickets with up to 5 offer tickets per month
• ITC Culinaire, Accorplus, Club Marriott & EazyDiner Prime memberships & offers on Postcard & Oberoi hotels
• 50 free golf rounds every year across select golf courses in India

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HSBC TravelOne Credit Card

3.5_/5

Joining fee: ₹4999

Annual/Renewal Fee: ₹4999

Up to 12% savings on travel bookings via HSBC Rewards Marketplace

Up to 20% off on Zomato, Yatra, EaseMyTrip, etc.

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• Cashback worth Rs. 1,000; Postcard Hotels voucher worth Rs. 3,000 and 3 months EazyDiner Prime membership on card activation
• 4 reward points per Rs. 100 spent on flights, travel aggregators, and in foreign currency
• 2 reward points per Rs. 100 spent on other spending categories; 1 reward point = 1 Air Mile or Hotel Point
• 10,000 bonus reward points on spending more than Rs. 12 lakh in a year
• 6 domestic and 4 international airport lounge access per year; 4 golf rounds & 12 lessons per year

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Standard Chartered Ultimate Credit Card

3.5_/5

Joining fee: ₹5000

Annual/Renewal Fee: ₹5000

5 rewards per Rs. 150 spent with 1:1 redemption ratio

5% cashback up to Rs. 1,000 on all duty-free spends

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• Low forex mark-up fee of 2%
• 6,000 reward points on joining & 5,000 reward points on renewal fee payment
• Up to 12 lounge access in a year via Priority Pass on min. Rs. 20,000 monthly spends
• 1 golf game & 1 coaching session per month at premier domestic golf courses
• Up to Rs. 1 crore air travel accident cover & medical insurance of USD 25,000

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Click here for a comprehensive list of credit cards with considerable golf benefits.

While golf access could be an important consideration when choosing a credit card, it should not be a deciding factor to determine a credit card’s worth. Golf benefits are usually offered by all-rounder credit cards, covering multiple lifestyle categories such as travel, movies, dining, shopping, etc., along with free golf visits. Most of these cards belong to the premium and mid-range categories. Thus, to avail complimentary golf access, you will have to pay a high annual fee. That’s why it is important to identify the all-round benefits of the card to analyze whether you will be able to maximize the features.

To choose the best golf credit card for you, it is advisable that you make a decision not just based on the frequency of complimentary golf access but also on the cost-benefit analysis. Identify the range of value you can derive from the card as per your spending patterns across everyday expenses, lifestyle spends across travel and shopping, and leisure spends across golf. Details on some of the best credit cards with golf access are as follows:

Best Golf Credit Cards in India Jan 2026

Given below are some of the credit cards for golf games and lessons that can help you save significantly.

1. American Express® Platinum Charge Card

Joining Fee: Rs. 66,000 + Applicable Taxes
Annual Fee: Rs. 66,000 + Applicable Taxes

Key Features & Benefits:

• Unlimited complimentary games and lessons at 30+ golf courses in India and 50+ golf courses worldwide
• Complimentary lounge access to over 1,300 airport lounges across the globe via American Express Global Lounge Collection
• Exclusive deals and offers on popular airlines, including Emirates, Qatar Airways, Virgin Atlantic, Air France, KLM, Delta Airlines and more
• Complimentary hotel benefits, such as room upgrades, free breakfast, late checkout and more worth Rs. 44,300 at some of the finest hotels and resorts worldwide including the Four Seasons Hotels and Resorts, Mandarin Oriental, The Ritz-Carlton and more
• Complimentary hotel memberships of Marriott Bonvoy™ Gold Elite Status, Hilton Honors Gold Elite Status, Taj Reimagined Epicure Plus, Radisson Rewards Premium Status, Hertz Gold Plus Rewards®, Accor Plus Traveller, The Postcard Hotel Sunshine Club and I Prefer – Titanium at The Leela Hotels & Resorts, Dusit Thani and more
• 1 Membership Reward Point for every Rs. 40 spent
• 3X Membership Reward Points on all international spends
• 5X Membership Reward Points on spends at popular brands like Myntra, Apple, Dyson, MakeMyTrip and more through Reward Multiplier

American Express® Platinum Charge Card comes with no preset spending limit and is best suited for consumers seeking luxury travel and lifestyle benefits. With unlimited golf games, unlimited lounge visits, complimentary premium hotel memberships and invitations to VIP events, this card caters to high spenders. While despite being a super premium card, it comes with a low reward rate of 1 point per Rs. 40 spent, with a redemption value of Rs. 0.25 per point. However, cardholders can earn 5X rewards on top brands on spends via reward multiplier. Overall, if used strategically, the card surpasses its annual fee of Rs. 66,000 by a wide margin.

Suggested Read: Best Credit Cards in India

2. HDFC Infinia Metal Credit Card

Joining Fee: Rs. 12,500 + Applicable Taxes
Annual Fee: Rs. 12,500 + Applicable Taxes

Key Features & Benefits:

• Unlimited complimentary golf games at participating golf courses in India and abroad
• Unlimited airport lounge access across the globe for primary and add-on card member
• Book stay for 3-nights and pay for two at participating ITC hotels
• 1+1 complimentary weekend buffet at participating ITC hotels
• Club Marriott membership for the first year with benefits such as up to 20% discount on dining and stay across Asia – Pacific region
• Low forex markup fee of 2%
• 5 reward points for every Rs. 150 spent
• 10X reward points on travel & shopping expenses through SmartBuy

HDFC Infinia Credit Card is one of the best premium credit cards in India. The card offers benefits across various categories, such as rewards, travel, dining and lifestyle. This is an invite-only card designed for consumers who frequently travel. With benefits like exclusive deals at premium hotels, unlimited golf games & lounge visits and a low forex markup fee, this can turn out to be a suitable option for frequent travellers. Besides this, the card offers an excellent reward rate of up to 33.33% on SmartBuy spends and 3.33% on other spends. Overall, this card is worth considering due to its high reward rate, international travel benefits and premium privileges extended via reward redemption and other features.

3. ICICI Emeralde Private Credit Card

Joining Fee: Rs. 12,499 + Applicable Taxes
Annual Fee: Rs. 12,499 + Applicable Taxes

Key Features & Benefits:

• Unlimited golf lessons or rounds every month by creating a Golftripz account to book slots
• Complimentary unlimited international and domestic airport lounge visits
• Complimentary Taj Epicure membership for the first year from the date of card issuance
• EaseMyTrip air travel vouchers worth Rs. 3,000 on reaching each annual spends of Rs. 4 Lakh and Rs. 8 Lakh
• 6 ICICI reward points on every Rs. 200 spent on grocery, education, insurance and utilities
• 12X reward points on hotel bookings through iShop
• Refund of up to Rs. 12,000 annually on maximum of 2 air travel or hotel booking cancellations
• Buy 1 ticket and get up to Rs. 750 off on the 2^nd ticket on BookMyShow bookings, twice a month

Another premium card that offers unlimited golf access is ICICI Emeralde Private Credit Card. This card also extends the benefit to golf coaching; cardholders can book their slots via their Golftripz account. It is an all-rounder credit card catering to multiple categories, such as travel, lifestyle, dining, entertainment and more. However, the main USP of the card is the reward redemption ratio of 1:1 and the inclusion of often excluded categories such as insurance, utilities, and government transactions. Besides this, travel benefits, including complimentary Taj Epicure membership, a low forex markup fee, and unlimited lounge access, further enhance its value for frequent travellers. Overall, this card is a suitable option for high spenders and frequent travellers.

4. IDFC FIRST Private Credit Card

Joining Fee: Rs. 50,000 + Applicable Taxes
Annual Fee: Rs. 50,000 + Applicable Taxes

Key Features & Benefits:

• Unlimited complimentary golf lessons and rounds
• 0% forex mark up fee
• Unlimited domestic and international airport lounge and spa access in India for both primary and add-on cardholders
• 4 complimentary railway lounge visits in a quarter
• Complimentary Club ITC Culinaire Select & Complimentary Accor Plus Explorer memberships as welcome benefits
• 10 reward points per Rs. 100 across all spending categories
• 3 reward points per Rs. 100 spent on rent and education spends
• 1 reward point per Rs. 100 spent on insurance premiums
• Taj Experiences Signature dining voucher on spending Rs. 15 Lakh in the first 6 months, every anniversary year

IDFC FIRST Private Credit Card is an invite-only super premium card offering luxury benefits across multiple categories like golf, rewards, travel, movies, etc. Unlike other IDFC FIRST credit cards that come with an incremental reward structure, this card offers 10X rewards on all monthly spends, irrespective of the spend value. Thus, it is a suitable choice for consumers who want to own a single credit card with all-round benefits. The card also comes with a unique redemption option for donations to charity. Overall, the card justifies its annual fee with premium travel & lifestyle benefits such as zero forex markup fee, unlimited lounge visits worldwide and unlimited complimentary golf games.

5. Axis Bank Reserve Credit Card

Joining Fee: Rs. 50,000 + Applicable Taxes
Annual Fee: Rs. 50,000 + Applicable Taxes

Key Features & Benefits:

• 50 free golf rounds every year across select golf courses in India
• Priority Pass membership with free unlimited international lounge visits for both primary and add-on cardholders, along with 12 free visits for guests
• Free unlimited domestic lounge visits for both the primary and add-on cardholders along with 12 free guest visits
• ITC Culinaire Membership benefits like third night stay free, 50% off on All Day dining restaurants, 25% Green Points on food & beverage spends
• Accor Plus Membership with benefits like one night free stay at all Asia pacific region, free room upgrades, up to 50% off on dining and free lunch buffet for 2 across all Accor hotels in India
• Club Marriott Asia Pacific Membership with benefits such as 20% discount on food and beverages, 20% discount on best available rates at select Marriott hotels in India and 20% discount on weekend rates in Asia Pacific region
• Oberoi Hotels and Resorts benefits, including 15% off on room only rate, room with breakfast rate or on third night stay, 50% off on best available rates on suites
• 15 EDGE reward points for every Rs. 200 spent
• 30 EDGE reward points for every Rs. 200 spent internationally

Being a super-premium credit card, the card offers a good frequency of golf games. However, the benefit is only restricted to domestic golf courses. Comparatively, other premium cards like HDFC Infinia and HDFC Diners Club Black come at a low annual fee but offer unlimited golf games. Besides this, Axis Bank Reserve Credit Card offers a variety of benefits, such as exclusive hotel memberships, unlimited lounge access along with free guest visits, a low forex markup fee of 1.5%, discounts on movie tickets and much more. The card is designed for high spenders who prefer to put most of their expenses on their credit card. Overall, for consumers seeking premium travel and lifestyle benefits and who can afford to pay an annual fee of Rs. 50,000, this can help them save significantly on their expenses.

6. HSBC TravelOne Credit Card

Joining Fee: Rs. 4,999 + Applicable Taxes
Annual Fee: Rs. 4,999 + Applicable Taxes

Key Features & Benefits:

• 4 complimentary rounds and 12 complimentary golf lessons per year, capped at 1 per month
• 50% off on green fees for additional golf rounds
• 6 complimentary domestic lounge visits every year
• 4 complimentary international lounge visits per year
• 10,000 bonus reward points on spending more than Rs. 12 Lakh in a year
• 4 reward points on every Rs. 100 spent on flights, travel aggregators, and in foreign currency
• 2 reward points on every Rs. 100 spent on other categories
• Cashback worth Rs. 1,000, Postcard Hotels voucher worth Rs. 3,000 and 3 months EazyDiner Prime membership on spending Rs. 10,000 within the first 30 days
• 3,000 bonus reward points on spending Rs. 1 Lakh within the first 90 days

HSBC TravelOne is an airline-agnostic credit card offering benefits around travel and lifestyle categories. With this card, cardholders cannot only avail complimentary golf games or lessons, but they can also save on additional golf rounds with 50% off on green fees. This card primarily targets the travel category with benefits like complimentary domestic & international lounge visits and the redemption of rewards at a 1:1 ratio against leading airlines & hotel partners, including Air India, British Airways, Etihad, Qatar Airways, Accor, Marriott, and others. Besides travel, the card also offers benefits around dining and entertainment categories, which adds to the overall savings potential. This card is a suitable option for consumers seeking all-rounder benefits from a single credit card.

7. Standard Chartered Ultimate Credit Card

Joining Fee: Rs. 5,000 + Applicable Taxes
Annual Fee: Rs. 5,000 + Applicable Taxes

Key Features & Benefits:

• 12 complimentary golf games every year across premier golf courses in India, (Max. 1 per month)
• Low forex mark up fee of 2%
• Complimentary Priority Pass membership worth $99
• 1 free lounge visit per month on spending Rs. 20,000 in the previous billing cycle
• 4 complimentary domestic airport lounge visits per quarter
• 5% cashback on duty-free spends (up to Rs. 1,000 per statement cycle)
• 5 reward points for every Rs. 150 spent
• 3 reward points for every Rs. 150 spent on utilities, supermarkets, insurance, property management, schools & government payments
• 6,000 bonus reward points worth Rs. 6,000 on card activation
• 5,000 bonus reward points on card renewal

Standard Chartered Ultimate Credit Card is a premium card with 3.33% value back across multiple spending categories. The card also offers 5% cashback on duty-free spends. While the card offers spend-based lounge visits, other travel and lifestyle benefits like a low forex markup fee of 2% and up to 12 free golf games every year add to the overall value. Overall, the card stands out due to its strong rewards program with the coverage of often excluded categories, such as utilities, insurance and education. For high spenders who do not seek Airmile conversion and prefer redemption through vouchers and merchandise, this card can be a great fit.