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If you are looking for a credit card that offers you the best of everything, from travel to dining to rewards, you might want to consider the most premium credit cards in India. These cards are designed for the elite and affluent customers who want to enjoy a luxurious lifestyle and exclusive privileges. However, these cards also come with a hefty price tag in terms of annual fees and eligibility criteria. So, are they worth it? Let's find out.
In this blog, we will review four of the most premium credit cards in India: Diners Club Black Credit Card, Axis Bank Magnus Credit Card, HDFC Bank Infinia Metal Edition Credit Card, and American Express Platinum Credit Card. We will compare their features, benefits, fees, and eligibility and help you decide which one suits you the best.
Most Premium Credit Cards in India
1. HDFC Bank Diners Club Black Credit Card
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The HDFC Diners Club Black Credit Card is a super-premium card that offers benefits across multiple categories such as travel, rewards, dining, golf, and more. Some of the key features of this card are:
Features
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Welcome Bonus |
Receive a complimentary yearly subscription to Forbes, Club Marriott, Times Prime, MMT Black, Amazon Prime, and Swiggy One (3 Months) on spending ₹1,50,000 or more during the first 90 days of card issuance. |
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Lounge Benefits |
Get unlimited airport lounge access to 1000+ lounges in India and worldwide for primary and add-on card members. |
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Dining Benefits |
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Insurance Benefits |
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Fuel Surcharge Waiver |
Get a 1% fuel surcharge waiver at all fuel stations across India on a minimum transaction of ₹400. |
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Reward Benefits |
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Fees and Charges
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Joining Fees |
₹10,000 |
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Annual Fees |
₹10,000 |
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Annual Percentage Rate |
23.8% |
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Foreign Transaction Fees |
1.99% |
Eligibility
Applicant's age should be between 21 and 70 years.
- The monthly income of the salaried applicants should be at least ₹1.75 lakh.
- The ITR of the self-employed should be at least ₹21 lakh.
The annual fee for this card is ₹10,000 plus taxes, which can be waived if you spend ₹5 lakh or more in a year.
2. Axis Bank Magnus Credit Card
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The Axis Bank Magnus Credit Card is another super-premium card that offers you a range of benefits across travel, lifestyle, entertainment, health, and wellness. Some of the key features of this card are:
Features
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Welcome Bonus |
Get one complimentary domestic flight ticket or a Tata CLiQ voucher worth ₹10,000 as your annual benefit. |
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Lounge Access |
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Dining Benefits |
Get up to 40% discount at over 4000 restaurants across India. |
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Fuel Surcharge Waiver |
Get a 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹4000. |
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Entertainment Benefits |
If you purchase one movie or event ticket on BookMyShow, you can receive up to ₹500 off of your next purchase (up to five tickets each month). |
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Insurance Benefits |
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Reward Benefits |
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Fees and Charges
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Joining Fees |
₹10,000 |
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Annual Fees |
₹10,000 |
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Annual Percentage Rate |
42.58% |
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Foreign Transaction Fees |
2.00% |
Eligibility
Applicant's age should be between 21 and 70 years, and their annual income should be at least ₹18 lakh.
3. HDFC Bank Infinia Metal Edition Credit Card
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The HDFC Bank Infinia Metal Edition Credit Card is a super-premium metal card that offers you unparalleled benefits across travel, dining, rewards, shopping, and more.
Features
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Welcome Bonus |
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Fuel Surcharge Waiver |
Get a 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹1,00,000. |
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Dining and Travel Benefits |
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Insurance Benefits |
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Other Benefits |
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Fees and Charges
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Joining Fees |
₹12,500 |
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Annual Fees |
₹12,500 |
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Annual Percentage Rate |
23.88% |
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Foreign Transaction Fees |
2.00% |
Eligibility
HDFC Bank Infinia Credit Card is an invite-only card.
4. American Express Platinum Credit Card
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The American Express Platinum Credit Card is a super-premium charge card that offers you extraordinary benefits across travel, lounge access, rewards, dining, and a whole range of 'Platinum Experiences'.
Features
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Welcome Bonus |
₹45,000 worth of hotel coupons from SeleQtions, Taj, and Vivanta Hotels. |
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Dining Benefits |
Complimentary EazyDiner membership and discounts of up to 50% at 1,800 fine-dining restaurants around India. |
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Travel Benefits |
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Insurance Benefits |
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Reward Benefits |
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Other Benefits |
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Fees and Charges
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Joining Fees |
₹60,000 |
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Annual Fees |
₹60,000 |
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Annual Percentage Rate |
42.00% |
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Foreign Transaction Fees |
3.50% |
Eligibility
The applicant's age should be at least 18 years.
- The annual income of the salaried applicants should be at least ₹25 lakh.
- The ITR of the self-employed should be at least ₹15 lakh.
Conclusion
So, these were some of the most premium credit cards in India that offer you a plethora of benefits and privileges across various categories. However, these cards also come with high annual fees and stringent eligibility criteria. Therefore, you should carefully evaluate your spending patterns, lifestyle needs, and financial goals before choosing any of these cards.
If you want to compare credit cards or any other credit cards in India, you can visit Select by Finology - a platform that helps you find, compare and apply for the credit card that suits you the best. So what are you waiting for? Visit Select by Finology today and get your perfect credit card match!
