Best premium credit cards in India
Super-premium cards carry the highest fees in the market but also the richest benefits — unlimited or near-unlimited lounge access, concierge, milestone benefits, and top-tier reward rates. These usually require a strong income and credit history.
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Rates last verified 24 October 2026 · No bank pays us to rank higher.
Axis Bank
Axis Bank Burgundy Private Credit Card
6% base reward · ₹0 annual fee
Why it's ranked here: Unlimited worldwide lounge access with generous guest visits
Axis Bank Magnus for Burgundy Credit Card
Mastercard
Axis Bank
Axis Bank Magnus for Burgundy Credit Card
4.8% base reward · ₹30,000 annual fee
Why it's ranked here: Very high value-back (up to ~24%) on Travel EDGE bookings, among the richest travel reward rates Axis offers
ICICI Bank
ICICI Emeralde
4% base reward · ₹12,000 annual fee
Why it's ranked here: Unlimited domestic lounge access plus Priority Pass for international lounges
Yes Bank
Yes Reserv
4% base reward · ₹2,499 annual fee
Why it's ranked here: Strong travel rewards
Standard Chartered
Standard Chartered Ultimate
3.33% base reward · ₹5,000 annual fee
Why it's ranked here: High flat reward rate on everything
HDFC Bank
HDFC Infinia (Metal Edition)
3.33% base reward · ₹12,500 annual fee
Why it's ranked here: Unlimited complimentary domestic and international lounge access via Priority Pass, with no per-quarter visit cap unlike most premium cards
HDFC Bank
HDFC Diners Club Black (Metal Edition)
3.33% base reward · ₹10,000 annual fee
Why it's ranked here: Unlimited lounge access to 1,300+ domestic and international lounges, comparable to Infinia at a lower entry fee
HDFC Bank
HDFC Bank BizBlack Metal Edition Credit Card
3.33% base reward · ₹10,000 annual fee
Why it's ranked here: Unlimited domestic and international airport lounge access with no spend gate
Standard Chartered
Standard Chartered Beyond
3.33% base reward · ₹25,000 annual fee
Why it's ranked here: Unlimited lounge access with generous guest visits
HSBC India
HSBC Privé Credit Card
3.3% base reward · ₹2,75,000 annual fee
Why it's ranked here: Unlimited global airport lounge access with no per-visit spend condition
HSBC India
HSBC Premier Mastercard Credit Card
3% base reward · ₹20,000 annual fee
Why it's ranked here: 1,400+ airport lounges plus hotel/dining privileges
Yes Bank
Yes Bank Marquee Credit Card
3% base reward · ₹4,999 annual fee
Why it's ranked here: No recurring annual fee after the one-time joining fee