Top Credit Cards with Annual Fee up to Rs. 5,000

If you are looking for a credit card with travel benefits up to an annual fee of Rs. 5,000, then Citi PremierMiles Credit Card is a good option for you. You can get this credit card at an annual fee of Rs. 3,000. The card offers air miles  instead of reward points on spending every Rs. 100, without any expiry. Some features and benefits of this credit card are listed as follows:

• 10,000 air miles as a welcome benefit on spending Rs. 1,000 or more within the first 60 days of card activation
• 3,000 bonus air miles on card renewal every year
• 10 air miles on every Rs. 100 spent on PremierMiles website and airline expenses
• 4 air miles on every Rs. 100 spent on other expenses
• Air miles redemption across 100+ airlines and hotel partners
• Complimentary 6 airport lounge access visits per quarter at selected domestic and international terminals
• Air accident insurance cover of up to Rs. 1 crore
• Lost card liability cover of up to Rs. 10 lakh
• Up to 20% discount on dining across selected restaurants

Suggested Read: Best Travel Credit Cards in India

Axis Bank Vistara Signature Credit Card is one amongst the co-branded credit cards that Axis Bank launched with Vistara Airlines. This card offers a variety of travel benefits and is a go to option for frequent travellers, especially those who prefer Vistara over other airlines. The annual fee for this card is Rs. 3,000. Some features and benefits of this credit card are:

• Welcome and renewal benefit of premium economy ticket voucher
• Complimentary Club Vistara Membership that includes benefits such as priority check-ins and additional baggage allowance
• 4 CV points on every Rs. 200 spent on the card
• 2 complimentary lounge access at selected airports in India
• 20% discount on selected restaurants in India
• 3 golf rounds at selected golf courses
• Air accident insurance cover of up to Rs 2.5 crore
• Purchase protection cover up to Rs. 1 lakh for losing travel documents and delay or loss in check-in baggage
• Convert transactions above Rs. 2500 into EMI

ICICI Bank Sapphiro Credit Card costs an annual fee of Rs. 3,500 and joining fee of Rs. 6,500. However, if you spend more than Rs. 6 lakhs in the previous year, you get an annual fee waiver. The card offers several privileges across various categories such as travel, golf, entertainment etc. Some features and benefits of this credit card are listed as follows:

• Welcome voucher worth Rs 9,000+ on payment on joining fee
• 4 lounge visits per quarter in India at selected airports on spending Rs.5,000 or above in a previous calendar quarter
• Complimentary Dreamfolks Programme membership with 2 complimentary international airport lounge visits and 2 domestic airport spa visits
• 4 golf course visits every month 
• Buy one ticket at BookMyShow to get Rs. 500 off on the second movie/event ticket, twice each month
• Dining offers under the ICICI Bank Culinary Treats Programme
• 2 PAYBACK points on every Rs. 100 spent on domestic spends except fuel
• 4 PAYBACK points on every Rs. 100 spent on international spends
• 1 PAYBACK point on every Rs. 100 spent on utilities and insurance

SBI Card Elite offers benefits across rewards, travel, entertainment and more. This credit card comes with a high annual fee of Rs. 4,999. You can however, avail an annual fee waiver on spending Rs. 10 lakhs a year. Some features and benefits of this premium credit card are listed as follows:

• Welcome e-gift voucher worth Rs. 5,000 from top brand of your choice amongst Yatra, Hush Puppies/Bata, Pantaloons, Shoppers Stop etc
• Free movie tickets worth Rs. 6,000 every year valid for at least 2 tickets per booking per month
• 10,000 bonus reward points on annual spends of Rs. 3 lakhs and Rs. 4 lakhs
• 15,000 bonus reward points on annual spends of Rs. 5 lakhs and Rs. 8 lakhs
• 5X rewards on dining, departmental stores and grocery purchases
• 2 reward points on every Rs. 100 spent otherwise, except on fuel
• 1% fuel surcharge waiver across all petrol pumps in India
• Priority Pass Programme membership with 6 airport lounge visits per calendar year outside India 
• 2 domestic airport lounge access every quarter
• Club Vistara and Trident Privilege Membership
• 9 CV points on every Rs.100 spent on Vistara flights
• 2 reward points for every Rs. 100 spent on international transactions
• Low foreign exchange markup fee of 1.99%
• Exclusive concierge service with assistance related to flower delivery, gift delivery, and online doctor consultation

Another co-branded credit card that falls in this list is the Air India SBI Signature Credit Card. This credit card is offered by SBI in collaboration with Air India and offers benefits around flight bookings, lounge access, and Priority Pass membership among others. If you are a frequent traveler, this credit card can be a good option for you, at an annual fee of Rs. 4,999. Some features and benefits of Air India SBI Signature credit card are: 

• 20,000 reward points as a welcome gift upon payment of annual fee within 15 days along with membership of Air India Frequent Flyer Program
• 4 Reward points for every Rs. 100 spent
• Up to 30 reward points for every Rs. 100 spent on Air India tickets booked via Air India website or app 
• 10 reward points for every Rs. 100 spent on Air India booked through Air India booking offices or Air India call centers
• 1 reward point= 1 Air India Air Mile
• Access to over 600 lounges across the globe with a complimentary membership to the Priority Pass Program
• 8 complimentary visits per year to Domestic VISA Lounges in India subject to maximum 2 visits per quarter
• 1% fuel surcharge waiver across all petrol pumps for transactions ranging between Rs. 500 and Rs. 4,000 subject to maximum Rs. 250 in a month
• Lost card liability cover of Rs. 1 lakh

Suggested Reads: Credit Cards with Annual Fee up to Rs. 500| Credit Cards with Annual Fee up to Rs. 1,000