Credit Cards Offer: Premium credit cards are gaining popularity in India, as they offer more convenient and exclusive features than standard cards. While standard credit cards often come with basic services and sometimes no annual fee, premium cards are more expensive due to their luxury features. They are primarily designed for those who travel frequently, enjoy exclusive memberships, and have high spending habits.
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ICICI Emerald Private Metal
This ICICI Bank card was launched in 2023 and is considered the bank’s most premium card. It offers users EasyDiner Prime membership, unlimited airport lounge access, and fee-free cancellations on hotel and domestic flight bookings. It has an annual fee of ₹12,499, but this fee is completely waived if annual spending exceeds ₹1 million.
HDFC Diners Club Black Metal
This card is considered excellent for earning reward points. For every ₹150 spent, users receive five reward points. Cardholders can avail complimentary memberships like Club Marriott, Amazon, and Swiggy One. Primary and add-on cardholders receive unlimited lounge access, and six free golf games are also included each quarter. This card has an annual fee of ₹10,000 and an equal joining fee.
Axis Bank Reserve
The Axis Reserve card falls in the super premium category, specifically designed for luxury travellers. Users receive complimentary memberships like Acropulse, Club ITC Culinaire, and EasyDiner Prime. Priority Pass membership and special benefits are also available on BookMyShow tickets. The annual fee is ₹50,000, but this fee is waived upon reaching an annual spend of ₹3.5 million.
HDFC Infinia Metal
The Infinia Metal card is known for its global concierge and luxury experiences. Users receive Club Marriott membership in the first year, offering a 25 per cent discount on stays and dining. The annual fee is ₹12,500, and the card offers high-spending customers access to superior travel and lifestyle benefits.
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American Express Platinum
The Amex Platinum card is popular among travel enthusiasts as it offers elite memberships across several hotel brands, including Accor Plus Traveller and Postcard Sunshine Club. It also offers comprehensive insurance coverage, including overseas medical, air accident coverage, and zero lost card liability. The total insurance cover is up to ₹5 crore, providing additional security to travellers.