Bank and card issuers offer all types of credit cards that cater to everyone’s different needs. Among the different types of credits on offer are premium cards. ET Wealth Online lists premium credit cards from the top banks in India (based on RBI’s data on credit cards outstanding as of September 2023 ). Do note that these are not ranked in any particular order; the information is based on what is available on the bank websites collected on December 8, 2023.
HDFC Bank
HDFC Bank Diners Club Black Credit Card
Features of premium card
- · Complimentary Annual memberships of Club Marriott, Forbes, Amazon Prime, Swiggy One (3 months) and MMT BLACK
- · Unlimited Airport lounge access to 1000+ Lounges in India and worldwide for primary and add-on card members.
- · 5 Reward Points for every Rs 150 spent
- · Up to 10X Reward Points via SmartBuy and 2X on weekend dining
- · Complimentary Golf games across the finest courses in the world ( 6 per quarter)
- · Book flight tickets / hotels across 150+ airlines and choice of hotels (Domestic & International).
Fee
- Joining/Renewal Membership Fee – Rs. 10,000/- plus Applicable Taxes. Spend Rs. 5 Lakhs in 12 Months and get Renewal Fee waived for next renewal year.
HDFC Bank Infinia Metal Edition Credit Card
Features of premium card
- Complimentary Club Marriott membership for first year that offers up to 20% discounts for Dining and stay across Asia – Pacific region.
- Book stay for 3-nights and pay for two at participating ITC hotels.
- 1+1 complimentary buffet at participating ITC hotels.
- Unlimited Complimentary golf games at leading courses across India and select courses across the world. Unlimited complimentary Golf coaching at select golf courses across India.
- Global Personal Concierge – 24 X 7
- Customize your travel, entertainment, and business experiences with our Global Concierge Assistance.
- Enjoy unlimited complimentary lounge access at airports within and outside India at 1,000+ airport lounges using Priority Pass.
Fee
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- Joining and renewal membership fee – Rs. 12,500 + Applicable Taxes. Enjoy welcome and renewal benefit of 12,500 reward points* upon fee realisation and card activation. Spend 10 lakhs or more in the preceding 12 months and get renewal membership fee waived off for next year.
ICICI Bank
ICICI Bank Emeralde Credit Card Rewards
Features of premium card
- · Your ICICI Bank Emeralde Credit Card entitles you to earn ICICI Rewards points on your transactions.
- · 4 ICICI Rewards Points on every Rs 100 spent on all retail transactions except fuel
- · 1 ICICI Rewards Points on every Rs 100 spent on utilities and insurance categories.
ICICI Bank Sapphiro
Features of premium card
- · Get up to 20,000 PAYBACK Points from ICICI Bank Rewards every anniversary year.
- · 4 complimentary domestic airport lounge visits per quarter, courtesy of Mastercard and American Express.
- · 2 complimentary international airport lounge visits per calendar year and 2 complimentary domestic airport spa visits per calendar year, under complimentary membership to Dreamfolks DragonPass Lounge Access Programme.
- · Enjoy up to 4 complimentary rounds of golf every month at the golf course of your choice based on eligible spends on your card.
- · Buy one ticket and get up to Rs 500 off on the second ticket, twice every month, through www.bookmyshow.com
- · Minimum 15% savings on dining bills at over 2,500+ restaurants across India through Culinary Treats Programme
State Bank of India (SBI)
SBI Card ELITE credit card
Features of premium card
- · Free Movie Tickets worth Rs. 6,000 every year
- · Transaction valid for at least 2 tickets per booking per month. Maximum discount is Rs. 250/ticket for 2 tickets only. Convenience Fee would be chargeable.
- · Enjoy 2 complimentary Domestic Airport Lounge visits every quarter in India
- · To avail the offer, please use your SBI Card ELITE at the respective lounges
- · Complimentary membership to the Priority Pass Program worth $99
- · 6 complimentary Airport Lounge visits per calendar year, outside India ( max. 2 visits per quarter)W.e.f. 1st July 2017
- · Access over 1000 Airport Lounges worldwide
- · Earn upto 50,000 Bonus Reward Points worth Rs. 12,500/ year
- · Earn 10,000 bonus Reward Points on achieving annual spends of Rs. 3 lakhs and 4 lakhs
- · Get 5X Reward Points on Dining, Departmental stores and Grocery Spends
- · Earn 2 Reward Points per Rs. 100 on all other spends, except fuel
Fee
- Annual Fee: Rs.4,999 + Taxes. Welcome gift worth Rs. 5,000. Renewal fee per annum :Rs. 4,999 + Taxes
Yes Bank
Yes Bank Premia Credit card
Features of premium card
- · 4 green fee waiver per year 1 Golf lesson per year at select golf courses in India.
- · 1% Fuel surcharge waiver at fuel stations across India for transaction between INR 400 to INR 5,000
- · 2 complimentary Domestic Airport Lounge visit in India per calendar quarter for Primary Cardmember.
- · On every INR 200 spent on travel and dining capped at 2500 Reward Points per statement cycle
- · Celebrate your love for food
- Get a minimum 15% discount on dining at select restaurants on your YES Bank Credit Card
- · Access to airport lounges internationally for Mastercard and Visa cards.
Fee
- First year membership fee of Rs 999 + Applicable Taxes, waived on total retail spends of Rs 20,000 in first 30 days. Renewal membership fee of Rs 999 + applicable taxes, waived on total retail spends of Rs 2,00,000 in a year and get waiver on subsequent renewal fee.
Axis Bank
Axis Bank Magnus Credit Card
Features of premium card
- · Voucher worth Rs 12,500 of Luxe Gift Card/ Postcard Hotels or Yatra.
- · Get a 1% fuel surcharge waiver at all fuel stations across India on transactions between Rs 400 and Rs 4000.
- · Earn 5X EDGE reward points on travel spends via TRAVEL EDGE.
- · Earn 12 Axis EDGE reward points on every Rs 200 that you spend.
Fee
Joining Fees | ₹12,500 |
Annual Fees | ₹12,500 |
Standard Chartered
Standard Chartered Ultimate Credit Card Benefits
Features of premium card
- · Earn 5 reward* points per INR 150 spent and get maximum benefit with 1 reward point equal to INR 1.
- · 5% cashback* on duty free spends and access to over 1000 airport lounges across the world.
- · Get complimentary access to premier golf courses in the country.
Fee
- Joining fee and Renewal fee is Rs 5,000.
IndusInd Bank
IndusInd Bank Pioneer Heritage Credit Card
Features
- · You can enjoy various discount vouchers from multiple brands like Pantaloons, Bata, Raymond, Hush Puppies, and more.
- · Get access to more than 30 global luxury and premium brands with a presence of over 360 stores across 30 cities in India.
- · You can choose from an exquisite collection of watches, stationery, jewellery, leather goods and eyewear from one of the most premium brands in the world.
- · Indulge in best-in-class luxury and pamper your senses at the Oberoi Chain of Hotels. Enjoy a complimentary stay at your favourite Oberoi Hotel in the country.
(Writer can be contacted on sneha(dot)kulkarni(dot)@timesinternet(dot)in)
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