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.
Ranked using our methodology. Want a personalized pick instead? Find my card →
Rates last verified 19 July 2026 · No bank pays us to rank higher.
Axis Bank Burgundy Private Credit Card
Visa
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
#2
Axis Bank
Axis Magnus
4.8% base reward · ₹12,500 annual fee
Why it's ranked here: Exceptional accelerated rewards above ₹1.5L monthly spend
#3Axis 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
#4
ICICI Bank
ICICI Emeralde
4% base reward · ₹12,000 annual fee
Why it's ranked here: Unlimited domestic lounge access + Priority Pass
#5
Yes Bank
Yes Reserv
4% base reward · ₹9,999 annual fee
Why it's ranked here: Strong travel rewards
#6
Standard Chartered
Standard Chartered Ultimate
3.33% base reward · ₹5,000 annual fee
Why it's ranked here: High flat reward rate on everything
#7HDFC Bank
HDFC Infinia (Metal Edition)
3.33% base reward · ₹12,500 annual fee
Why it's ranked here: Unlimited domestic and international lounge access
#8HDFC Bank
HDFC Diners Club Black (Metal Edition)
3.33% base reward · ₹10,000 annual fee
Why it's ranked here: Unlimited lounge access and golf comparable to Infinia at a lower fee
#9HDFC Bank BizBlack Metal Edition Credit Card
Visa
HDFC Bank
HDFC Bank BizBlack Metal Edition Credit Card
3.33% base reward · ₹10,000 annual fee
Why it's ranked here: Unlimited airport lounge access
#10Standard Chartered Beyond
Visa
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
#11
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
#12Yes Bank Marquee Credit Card
Visa
Yes Bank
Yes Bank Marquee Credit Card
3% base reward · ₹0 annual fee
Why it's ranked here: No recurring annual fee after the one-time joining fee