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Super premium credit cards are the epitome of luxury, offering benefits and perks simply unmatched by other cards. These cards come with a high joining and annual charge, and although they almost always offer straightway benefits worth the same amount, if not more, it’s worth mentioning that these cards are best in the hands of high-net-worth individuals. Maximizing benefits offered by such cards can only be done by those who live a lavish lifestyle and spend freely on travel, accommodations, luxuries, and more. If you are one such individual who is looking to upgrade the way you spend well, you have come to the right place. In this article, Card Insider will shortlist the top five super premium credit cards available in India. Features, fees, USPs we shall cover them all so that you can make the best choice. We shall also provide a special overview of the top 6 super premium cards of India including some of the most popular names like Infinia and AmEx Platinum Charge. Those who meet the eligibility criteria for these cards can easily apply for them online on our platform. Super Premium Credit Cards

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List of the Best Luxury Credit Cards in India

Any individual who is looking to apply for a new credit card should thoroughly research its benefits and fee structure. A credit card has deep and long-term effects on your finances and CIBIL Score, so it’s always best to research and compare all available options. Below is a complete list of some of the most rewarding super premium credit cards in our country. These cards are best suited for international travel, stays, dining, and more.

American Express Platinum Charge Card

(4.8/5)

Joining Fee

Rs. 60,000 + GST

Renewal Fee

Rs. 60,000 + GST

Best Suited For

Travel | Shopping

Reward Type

Reward Points

Welcome Benefits

SeleQtions, Taj, and Vivanta Hotels Vouchers Worth Rs. 45,000. 10,000 Referral Bonus Membership Rewards Points

axis bank reserve credit card

(4.4/5)

Joining Fee

Rs. 50,000 + GST

Renewal Fee

Rs. 50,000 + GST

Best Suited For

Movies | Travel | Dining | Shopping

Reward Type

Reward Points

Welcome Benefits

50,000 Edge Reward Points on card activation and every year the card membership is renewed

HDFC Infinia Credit Card Metal Edition

(5/5)

Joining Fee

Rs. 12,500 + GST

Renewal Fee

Rs. 12,500 + GST

Best Suited For

Travel | Dining | Shopping

Reward Type

Reward Points

Welcome Benefits

Welcome bonus of 12,500 Reward Points and complimentary Club Marriott membership for the first year offering 20% discounts on dining and stay in the Asia-Pacific region.

Yes Bank Marquee Credit Card

(4.6/5)

Joining Fee

Rs. 9,999 + GST

Renewal Fee

Rs. 4,999 + GST

Best Suited For

Movies | Travel | Shopping

Reward Type

Reward Points

Welcome Benefits

60,000 Reward Points

ICICI Bank Emeralde Private Credit Card

(4.6/5)

Joining Fee

Rs. 12,499 + GST

Renewal Fee

Rs. 12,499 + GST

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

Complimentary Taj Epicure membership, 12,500 bonus reward points, and complimentary EazyDiner membership

IndusInd Bank Pioneer Private Credit Card

(4.7/5)

Joining Fee

Nil

Renewal Fee

₹25,000 + GST

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

6,000 Reward Points (On Spends of ₹1 Lakh)

Latest News Surrounding The Most Luxurious Credit Cards

June 2024

Axis Bank has drawn a wave of attention to its range of luxury credit cards. The bank had recently released many new credit cards to enable the easy migration of Citi Credit Cards to Axis Bank Credit Cards. This includes the Axis Olympus Credit Card. Rumors have also been going around that by the year’s end, Axis Bank shall also come out with another super-premium card, the Primus Credit Card which shall be available at a joining/annual fee of ₹1.80 lakh.

May 2024

According to some sources the Infinia Reserve Credit Card shall be launched by the end of this year. Many predict that the launch of this card shall lead to the devaluation of Infinia Card.

Discover the Perks of Super Premium Credit Cards

From discounted stays to Buy One Get One on movies, premium stylish looks, and a high reward rate, these super-premium credit cards are truly all-rounders.

Premium Look – Super premium credit cards have a heavy, metallic, and regal look that catches everyone’s eye. These cards surely make a statement and carry a certain brand value.

Enriching Memberships – From Taj Epicure to ITC Culinaire, these cards offer many such memberships without any additional charges. Each card follows its own path; some offer memberships for the first year only, while many offer them continuously upon meeting the required spending.

High Reward Rate – Super premium credit cards offer a high reward rate on all eligible spends upto 3.33%. Additional reward points are earned for special categories like international spends. These reward points can be redeemed later for vouchers, cash against statement, and best of all these can be converted to partner airlines or hotels. Since all of these cards are high end they offer a generous conversion ratio usually upwards of 1:1.

Free Airport Lounge Access – Frequent travelers will benefit the most from this sole feature of super premium credit cards. These cards offer complimentary lounge access for both international and domestic airports. Many cards offer unlimited access, while some offer a high number of visits, which will be sufficient for almost all travelers.

Top 6 Super Premium Credit Cards of India

Even those who can afford premium credit cards would want to know in depth what their card offers. One simply does not pay for what doesn’t work. If these cards come at high fees, they better provide benefits that justify them.

American Express Platinum Charge Card

The Platinum Charge Card is a high-end card that offers exceptional benefits. While it comes with a fee of ₹60,000, it provides premium travel and accommodation perks and carries the prestigious AmEx Credit Card name. The card has no pre-set spending limit and offers unlimited access to airport lounges at 1300+ airports, including Centurion and Delta lounges. In addition to premium discounts and memberships, cardholders can earn a generous reward rate of 3 MR Points for every ₹40 spent abroad and 1 MR Point for every ₹40 spent on other eligible purchases. Cardholders can also enjoy 24/7 American Express concierge services for access to VIP events, pre-sale tickets for major events like the Grammys, and dining discounts with EazyDiner membership.

Why stop here? Earn 5X Membership Reward Points with the American Express Reward Multiplier program. 

Axis Reserve Credit Card

ITC Culinaire, Accor Plus, and Club Marriott Asia Pacific are just a few of the complimentary memberships offered with the premium Reserve Credit Card. With an annual fee of ₹35,000, which can be easily waived by high spenders (on spends of ₹35 lakh in a year), this card is suitable for international travel, stays, and more. Live your life in luxury and travel abroad with features like low Forex charge (1.5%) and 2X EDGE Reward Points on international spends. Indulge yourself with complimentary movie tickets, golf rounds, and discounts through Extraordinary Weekends. This card truly is reserved for the best.

HDFC INFINIA Metal Credit Card

The current king of the Indian credit card market, Infinia, is considered to be the best and most premium out there. This card is exclusivity personified and can be availed at a much lower fee than its companions at just ₹12,500. But there is a catch: this card is invite-only, meaning it’s so premium that you would need to maintain a special relationship with HDFC to make use of it. Offered with at least a minimum credit limit of ₹8 lakh, the Infinia Credit Card earns 5 Reward Points on each eligible spend of ₹150. This results in a reward rate of 3.333%, which is highly acceptable. Still not satisfied? Well, worry, it’s not like the AmEx Reward Multiple HDFC, which also has its own reward portal, Smartbuy. Earn accelerated reward points at popular brands like Jockey while shopping with your Infinia Credit Card at Smartbuy.

Unlimited airport lounge access and golfing benefits are reasons enough for many, but discounts at ITC hotels, Club Marriott membership, and global concierge sweeten the deal. Also, you can convert your reward points earned with Infinia in a 1:1 ratio to partner airlines and hotels. Some partners like Accor offer an even greater conversion ratio. 

Want to know the secret for getting the magnanimous Infinia? Well, those with high salaries and salaried accounts with HDFC have been known to get Infinia. If you have an Imperia relationship with HDFC, you can easily get the card. But remember, many have been known to invest in one scheme (Fixed Deposits/ULIPs) or the other to get this card.

Yes Marquee Credit Card

A relatively new addition to a list of veterans, the Yes Bank Marquee Credit Card is one of its issuer’s most premium offerings. Get accelerated 36 Reward Points/₹200 spent on online shopping and 18 Reward Points/₹200 spent offline with this card. This card covers all the basics of a premium card like the Buy One Get One offer on movies, golfing benefits, complimentary airport lounge access, and a low Forex charge of just 1%. This card is one of the cheapest ones featured on our list, with ₹9,999 as a joining fee and just ₹4,999 as an annual fee. As a welcome benefit, the Yes Marquee card offers 60,000 Reward Points which are valued at ₹15,000 so you would be getting more than what you paid for just as a welcome bonus. When the annual fee is realized cardholder shall receive 20,000 Reward Points (value at ₹5,000).

ICICI Bank Emeralde Private Metal Credit Card

The ICICI Bank Emeralde Private Metal credit card is a new offering by ICICI Bank in the super-premium category. It comes with a joining fee of ₹12,499 plus taxes and features a metal body. The card provides exclusive lifestyle and travel benefits for the cardholder. As a welcome bonus, you receive a complimentary one-year Taj Epicure membership, an EazyDiner Prime membership, and a bonus of 12,500 reward points. The credit card offers a decent reward rate of 6 Reward Points per ₹200 spent across various spend categories. Additionally, cardholders receive complimentary EaseMyTrip air travel vouchers, international and domestic lounge access, movie benefits, and more. Furthermore, those who make regular foreign spends can benefit from the low 2% forex markup fee on the credit card.

IndusInd PIONEER Private Credit Card

High reward rate of 3%, zero forex charges, unlimited golf/airport lounge access. The list is endless. The IndusInd Pioneer Private Credit Card is truly for the high-net-worth crowd. Dive deep into luxury with complimentary memberships like Taj Epicure/ITC Culinaire, EazyDiner Prime, and Priority Pass. Earn 3 Reward Points/₹100 spent on all eligible transactions and 0.7 Reward Points/₹100 spent on select categories like insurance and utility bill payments. Those who have high spends and are looking for a card with great milestone benefits shall be delighted to know that this card offers a Taj Experiences gift certificate worth ₹1 lakh on achieving spends of ₹75 lakh in a year. For entertainment buffs the Pioneer card offers two complementary movie tickets each month through BookMyShow, there is no cap on the amount of movie tickets.

The Pioneer Private Credit Card has no joining fee. Yes, you heard it right – it has a zero joining fee. There is a renewal charge of ₹25,000, but this card is free for the first year.

Compare Top Ultra-Premium Credit Cards

Below, we’ve provided a comparison of top-tier credit cards from some of the most popular credit card issuers in India. This table allows for easy comparison of the features of these cards to help you make the right choice.

Features Axis Reserve Yes Marquee Infinia AmEx Platinum Charge
Joining/Renewal Fees ₹50,000 + GST ₹9,999 + GST

(Renewal – ₹4,999 + GST)

₹12,500 + GST ₹60,000 + GST
Welcome Benefits 50,000 EDGE Reward Points 60,000 Reward Points 12,500 Reward Points SeleQtions, Taj, and Vivanta Hotels Vouchers Worth ₹45,000. 10,000 Referral Bonus Membership Rewards Points
Reward Rate 15 EDGE Reward Points/₹200 on All Eligible Spends 36 RPs/₹200 on Online Shopping and 18 RPs for Each Offline Spend of ₹200 5 Reward Points/₹150 on All Eligible Spends 1 MR Point/₹40 Spent, 3X MR Points/₹40 Spent Internationally and 5X MR Points on Rewards Multiplier
Reward Type EDGE Reward Points Reward Points Reward Points Membership Reward Points
Domestic Airport Lounge Access Unlimited Free Lounge Access (Both Primary and Add-On) 6 Free Visits Each Quarter (24 in a Year) Unlimited Free Lounge Access Unlimited Free Lounge Access
International Airport Lounge Access Unlimited Free Lounge Access Unlimited Free Lounge Access Unlimited Free Lounge Access Unlimited Free Lounge Access
Renewal Fee Spend-Based Waiver On Spends of ₹35 Lakh On Spends of ₹10 Lakh On Spends of ₹10 Lakh None

Bottom Line

Savings, reward point conversion/redemption, premium memberships, accommodation, and discounts – those with high-end credit cards are already familiar with all of this. Those with a super premium credit card can obviously afford the best and hence shall also receive the best—best-in-class benefits, reward rate, travel, and more. With a super premium credit card, all spending is highly rewarded. While there are many such cards available certain cards have established themselves as the best for example currently Infinia Credit Card is considered to be the best premium card out there. American Express Platinum Charge is also quite famous and known for its luxury and elegance.

These cards are not made of plastic, they are actually metal. They are heavy and distinctive. If you can afford it and desire to have one, consider applying for a super premium credit card today.

FAQs:

As of June 2024, many people consider Infinia to be one of the best super premium credit cards. It is considered to be one of HDFC Bank's best offerings. A superior version of it, Infinia Reserve, might even be coming out soon.
If you already have an HDFC credit card with a credit limit of 8 lakh or above, you can easily obtain the Infinia credit card. You can also qualify for the card if you have consistently spent a high amount on your credit card in the past 6 to 12 months (more than ₹7 to ₹8 lakh). Many people also apply for the card through their banking relationship manager, where they can get the Infinia credit card by maintaining a certain level of relationship value with their bank.
For employed individuals, an annual income of ₹25 lakh or more is required to successfully get the AmEx Platinium Charge Card. Self-employed individuals require a personal income of ₹15 lakh or above.

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