Credit Cards · Premium
Best Credit Cards for Premium
Premium credit cards carry higher annual fees in exchange for elevated reward rates, unlimited lounge access, concierge, and luxury benefits. Ranked below by base reward rate among premium-tier cards.
Ranked
14 cards ranked for premium
Axis Bank Magnus Credit Card
Axis Bank
6.00%
base reward rate
- ✓12 EDGE Miles per ₹200 on travel and international spends
- ✓6 EDGE Miles per ₹200 base — redeemable as airline miles
- ✓Unlimited international lounge access via Priority Pass
HDFC Infinia Credit Card Metal Edition
HDFC Bank
3.33%
base reward rate
- ✓5 reward points per ₹150 on all spends (≈3.33% return at ₹1/point)
- ✓Unlimited domestic and international airport lounge access (Priority Pass)
- ✓12,500 welcome reward points on card issuance
HDFC Bank Diners Club Black Metal Edition Credit Card
HDFC Bank
3.33%
base reward rate
- ✓Unlimited domestic and international airport lounge access
- ✓Up to 24 complimentary golf rounds annually (6 per quarter)
- ✓5 reward points per 150 spent, with 10,000 bonus points on 4 lakh quarterly spend
AU Small Finance Bank Zenith Credit Card
AU Small Finance Bank
3.00%
base reward rate
- ✓Premium super-premium card with 3% base reward rate on all spends
- ✓20 points per 100 (5%) on standalone restaurant dining
- ✓8 domestic and 8 international lounge visits annually via Priority Pass
ICICI Bank Emeralde Private Metal Credit Card
ICICI Bank
3.00%
base reward rate
- ✓Unlimited domestic and international lounge access via Priority Pass
- ✓6X rewards on flights/vouchers and 12X on hotel bookings via iShop
- ✓1 reward point redeemable at 1 against flight/hotel vouchers and luxury brand vouchers
IDFC FIRST Ashva Credit Card
IDFC FIRST Bank
2.50%
base reward rate
- ✓Metal credit card with best-in-class travel benefits
- ✓5X reward points on international spends (≈2% return)
- ✓Unlimited domestic and international lounge access
IDFC FIRST Bank Mayura Credit Card
IDFC FIRST Bank
2.50%
base reward rate
- ✓Up to 10X reward points on spends above ₹20,000/month
- ✓Unlimited airport lounge access (domestic + international)
- ✓Metal credit card with premium concierge services
IndusInd Bank Avios Platinum Credit Card
IndusInd Bank
2.00%
base reward rate
- ✓36,000 bonus Avios in first year — worth ~18 free flights
- ✓8X Avios on British Airways, Vistara, and partner airlines
- ✓Unlimited domestic + international airport lounge access
Kotak White Reserve Credit Card
Kotak Mahindra Bank
2.00%
base reward rate
- ✓Unlimited domestic and international airport lounge access
- ✓Complimentary Club Marriott membership with hotel, dining, and spa discounts
- ✓Two free golf rounds or lessons per month at select global courses
Axis Bank Atlas Credit Card
Axis Bank
2.00%
base reward rate
- ✓5 EDGE Miles per 100 on travel spends via Travel Edge, hotels and flights, capped at 2 lakh/month
- ✓Tier-based membership (Silver/Gold/Platinum) unlocks more lounge visits and bonus miles
- ✓Up to 18 domestic and 12 international lounge visits annually at Platinum tier
IndusInd Bank Celesta Credit Card
IndusInd Bank
1.50%
base reward rate
- ✓Unlimited domestic + international lounge access (DreamFolks)
- ✓1 reward point = ?1 � no value erosion on redemption
- ✓2% FX markup for international transactions
American Express Platinum Reserve Credit Card
American Express
1.00%
base reward rate
- ✓5X Membership Rewards points on travel and dining
- ✓11,000 welcome MR points on joining
- ✓4 domestic + international lounge visits per quarter
American Express Platinum Charge Card
American Express
1.00%
base reward rate
- ✓Unlimited global lounge access — Centurion, Priority Pass, Delta SkyClub
- ✓50,000 welcome Membership Rewards points worth ₹50,000
- ✓5X MR points on travel and dining globally
American Express Platinum Travel Credit Card
American Express
1.00%
base reward rate
- ✓5X Membership Rewards on Amex Travel Online bookings
- ✓10,000 welcome MR points worth ₹5,000+ in travel redemptions
- ✓Annual Taj voucher worth ₹10,000 on ₹4L annual spend
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