1. HDFC Bank Diners Club Black Metal Edition Credit Card
Annual fee ₹10,000 · Rewards up to 6.67% · You keep ₹39,960* a year
The HDFC Bank Diners Club Black Metal Edition Credit Card is a premium card for high spenders who travel. It earns 5 reward points per ₹150, worth up to ₹1 each on flights and hotels, with unlimited lounge access and a 2% forex markup.
- 3.33% on other spends
2. HDFC Bank Infinia Metal Credit Card
Annual fee ₹12,500 · Rewards up to 3.33% · You keep ₹39,960* a year
The HDFC Bank Infinia Metal Credit Card earns 5 reward points per ₹150, worth ₹1 each on SmartBuy flights and hotels, with unlimited lounge access worldwide and a 2% forex markup. It is by invitation only, and the ₹12,500 fee is waived on ₹10 lakh of yearly spends.
- 3.33% on groceries
- 3.33% on bills and utilities
- 3.33% on other spends
3. HSBC Premier Credit Card
Annual fee Free · Rewards up to 3% · You keep ₹36,000* a year
The HSBC Premier Credit Card earns 3 reward points per ₹100, worth ₹1 each on Apple products or HSBC Travel with Points, with unlimited airport lounge access and a 0.99% forex markup. It is only for HSBC Premier customers, who pay no annual fee.
- 3% on other spends
4. ICICI Bank Emeralde Private Metal Credit Card
Annual fee ₹12,499 · Rewards up to 3% · You keep ₹36,000* a year
The ICICI Bank Emeralde Private Metal Credit Card is an invite-only metal card for the bank's private banking customers, where each point is worth up to ₹1 on flight and hotel vouchers. It gives 3 points per ₹100, 12,500 bonus points every year, a 2% forex markup and unlimited lounge visits for you and add-on members.
- 3% on bills and utilities
- 3% on groceries
- 3% on other spends
5. Standard Chartered Ultimate Credit Card
Annual fee ₹5,000 · Rewards up to 3.33% · You keep ₹30,868* a year
The Standard Chartered Ultimate Credit Card pays a flat 5 reward points per ₹150, with each point worth ₹1, which is about 3.3% back on most spends. The ₹5,000 fee comes back as 5,000 points each year, and you also get golf, lounge visits and a 2% forex markup.
- 2% on bills and utilities
- 2% on groceries
- 3.33% on other spends
6. HSBC TravelOne Credit Card
Annual fee ₹4,999 · Rewards up to 4% · You keep ₹27,600* a year
The HSBC TravelOne Credit Card earns 2 reward points per ₹100, and 4 on flights, travel bookings and foreign currency spends. Points move 1 to 1 to airline and hotel partners, and the card gives 6 domestic and 4 international lounge visits. The ₹4,999 fee is waived on ₹8 lakh of yearly spends.
- 4% on travel
- 2% on other spends
7. Axis Bank Atlas Credit Card
Annual fee ₹5,000 · Rewards up to 5% · You keep ₹24,700* a year
The Axis Bank Atlas Credit Card earns 5 EDGE Miles per ₹100 on direct flight and hotel bookings and 2 on other spends, with 1 mile worth ₹1 on Travel EDGE or transferable to airline partners. It suits frequent flyers who spend ₹3 lakh or more a year.
- 5% on travel
- 2% on other spends
8. IndusInd Bank Tiger Credit Card
Annual fee Free · Rewards up to 2.4% · You keep ₹20,000* a year
The IndusInd Bank Tiger Credit Card is lifetime free, with reward points that rise from 1 to 6 per ₹100 as your yearly spend grows, a 1.5% forex markup, and 8 domestic and 2 international lounge visits a year.
- 0.4% on other spends
- 0.8% on spends above ₹1,00,000 a year
- 1.6% on spends above ₹2,50,000 a year
- 2.4% on spends above ₹5,00,000 a year
9. Kotak White Credit Card
Annual fee ₹3,000 · Rewards up to 2.67% · You keep ₹18,990* a year
The Kotak White Credit Card pays rewards as spend milestones instead of points on each purchase, worth up to ₹27,000 a year once you spend ₹12 lakh. It suits high spenders who travel, with a Priority Pass and 4 free international lounge visits a year.
- 0% on other spends
- 1% on spends above ₹2,00,000 a year
- 2% on spends above ₹4,00,000 a year
- 2.33% on spends above ₹9,00,000 a year
10. BOBCARD ETERNA Credit Card
Annual fee ₹2,499 · Rewards up to 3.75% · You keep ₹18,600* a year
The BOBCARD ETERNA Credit Card gives 15 reward points per ₹100 (3.75% back) on dining, travel, international and online spends, and unlimited domestic lounge access. From 1 September 2026 it has no joining fee, and the ₹2,499 annual fee is waived on ₹2.5 lakh of yearly spends.
- 3.75% on dining and food delivery
- 3.75% on travel
- 3.75% on online shopping
- 0.75% on other spends
11. Kotak Air+ Credit Card
Annual fee ₹3,000 · Rewards up to 5% · You keep ₹18,060* a year
The Kotak Air+ Credit Card earns 2 Air Miles per ₹100 on most spends and 5 per ₹100 on flights and hotels booked through Kotak Unbox, where 1 mile is worth ₹1. It suits travellers who book through Kotak Unbox, with 2,500 bonus miles a year, a 2% forex markup and 6 lounge visits.
- 5% on Kotak Unbox travel
- 2% on other spends
12. Shoppers Stop Black HDFC Bank Credit Card
Annual fee ₹4,500 · Rewards up to 7% · You keep ₹16,290* a year
The Shoppers Stop Black HDFC Bank Credit Card gives 7% back as reward points at Shoppers Stop and 2% on other spends, worth ₹1 a point on Shoppers Stop vouchers, with 24 lounge visits a year. It suits big Shoppers Stop spenders who can use the ₹4,500 yearly fee's worth of benefits.
- 7% on Shoppers Stop
- 2% on other spends
13. IDFC First Bank Ashva Metal Credit Card
Annual fee ₹1,000 · Rewards up to 1.67% · You keep ₹15,026* a year
The IDFC FIRST Ashva Credit Card is a metal travel card with a modest fee. It earns 5 reward points per ₹150, 10 above ₹20,000 a month, and gives 4 domestic and 2 international lounge visits each quarter.
- 0.17% on bills and utilities
- 0.83% on other spends
- 1.67% on spends above ₹20,000 a month
14. HDFC Bank Regalia Gold Credit Card
Annual fee ₹2,500 · Rewards up to 6.25% · You keep ₹15,000* a year
The HDFC Bank Regalia Gold Credit Card suits people who travel and spend ₹4 lakh or more a year. It gives 5 reward points per ₹200, a 2% forex markup and lounge visits in India and abroad.
- 6.25% on Myntra, Nykaa, Reliance Digital, Marks & Spencer
- 1.25% on groceries
- 1.25% on other spends
- IndusInd BankIndusInd Bank Pinnacle Worldmastercard
15. IndusInd Bank Pinnacle World Credit Card
Annual fee Free · Rewards up to 1.88% · You keep ₹13,500* a year
The IndusInd Bank Pinnacle World Credit Card earns 2.5 reward points per ₹100 on online shopping, worth ₹0.75 each (about 1.9% back), with 4 domestic and 4 international lounge visits a year. It has no annual fee after the joining fee.
- 1.88% on online shopping
- 1.13% on travel
- 0.75% on other spends
16. Axis Bank SELECT Credit Card
Annual fee ₹3,000 · Rewards up to 2% · You keep ₹12,000* a year
The Axis Bank SELECT Credit Card suits people who spend steadily and travel abroad. It gives 10 EDGE Reward points per ₹200, double on retail shopping up to ₹20,000 a month, and lounge access in India and abroad.
- 2% on groceries
- 1% on other spends
17. SBI Card AURUM
Annual fee ₹9,999 · Rewards up to 1% · You keep ₹12,000* a year
SBI Card AURUM is a premium card that earns 4 reward points per ₹100 (1% back) plus large milestone vouchers, with unlimited international lounge access and a 1.99% forex markup. The ₹9,999 fee is waived on ₹12 lakh of yearly spends.
- 1% on other spends
18. Axis Privilege Amex Credit Card
Annual fee ₹1,500 · Rewards up to 1% · You keep ₹10,800* a year
The Axis Privilege Amex Credit Card is an American Express card from Axis Bank. It gives 5 EDGE REWARD points per ₹100, a ₹2,500 welcome benefit and 8 domestic lounge visits a year.
- 1% on other spends
19. SBI Card PRIME
Annual fee ₹2,999 · Rewards up to 5% · You keep ₹10,800* a year
SBI Card PRIME gives 10 reward points per ₹100 (about 2.5% back) on dining, groceries, departmental stores and movies, with milestone vouchers and 4 international lounge visits. The ₹2,999 fee is waived on ₹3 lakh of yearly spends.
- 2.5% on dining and food delivery
- 2.5% on groceries
- 0.5% on other spends
20. SBI ELITE Credit Card
Annual fee ₹4,999 · Rewards up to 2.5% · You keep ₹10,800* a year
The SBI ELITE Credit Card is a premium card that gives 10 reward points per ₹100 on dining, groceries and department stores and 2 points on other spends. It also comes with a ₹5,000 welcome voucher, movie tickets and lounge access.
- 2.5% on groceries
- 2.5% on dining and food delivery
- 0.5% on other spends
21. Reliance SBI Card PRIME
Annual fee ₹2,999 · Rewards up to 5% · You keep ₹9,150* a year
Reliance SBI Card PRIME pays 20 points per ₹100 (5% back) at AJIO and JioMart and 10 points (2.5%) at Reliance Retail stores, but points turn only into Reliance Retail vouchers. It suits families who shop mostly in the Reliance group and spend ₹3 lakh a year to waive the ₹2,999 fee.
- 5% on Reliance Retail
- 2.5% on Reliance Retail
- 1.25% on dining and food delivery
- 1.25% on travel
22. IDFC FIRST Bank Mayura Credit Card
Annual fee ₹5,999 · Rewards up to 1.67% · You keep ₹9,127* a year
The IDFC FIRST Bank Mayura Credit Card is a metal card with zero forex markup, 5X to 10X reward points that never expire, and up to 4 domestic lounge visits a quarter. It costs ₹5,999 a year plus GST.
- 0.17% on bills and utilities
- 0.83% on other spends
- 1.67% on spends above ₹20,000 a month
23. IDFC FIRST Wealth Credit Card
Annual fee Free · Rewards up to 1.25% · You keep ₹7,875* a year
The IDFC FIRST Wealth Credit Card is a lifetime free premium card. It gives 10 reward points per ₹200 on dining, travel and international spends, 3 on other spends, and lounge visits each quarter.
- 1.25% on dining and food delivery
- 1.25% on travel
- 0.13% on bills and utilities
- 0.38% on other spends
- SBI CardSBI MILES PRIMEmastercard
24. SBI MILES PRIME Credit Card
Annual fee ₹2,999 · Rewards up to 1% · You keep ₹6,900* a year
The SBI MILES PRIME Credit Card gives 2 Travel Credits per ₹100 on travel spends and 1 on other spends, which you can move to airline miles and hotel points. It also gives spend-based domestic lounge visits and 4 visits outside India.
- 1% on travel
- 0.5% on other spends
25. IndusInd Bank Legend Credit Card
Annual fee Free · Rewards up to 0.5% · You keep ₹6,000* a year
The IndusInd Bank Legend Credit Card earns 1 reward point per ₹100 on weekdays and 2 on weekends, worth ₹0.50 each, with a 1.8% forex markup. It has a ₹5,000 joining fee and no annual fee.
- 0.5% on other spends
26. SBI MILES ELITE Credit Card
Annual fee ₹4,999 · Rewards up to 1.5% · You keep ₹2,501* a year
The SBI MILES ELITE Credit Card gives 3 Travel Credits per ₹100 on travel spends and 1 on other spends, which you can move to airline miles and hotel points. It also gives spend-based domestic lounge visits and 6 visits outside India.
- 1.5% on travel
- 0.5% on other spends
27. Axis Bank Magnus Credit Card
Annual fee ₹12,500 · Rewards up to 3.5%
The Axis Bank Magnus Credit Card is a premium card for people who spend heavily and travel often. It gives 12 EDGE Reward points per ₹200, and 35 per ₹200 on spends above ₹1.5 lakh in a month.
- 1.2% on other spends
- 3.5% on spends above ₹1,50,000 a month
28. Times Black ICICI Bank Credit Card
Annual fee ₹20,000 · Rewards up to 0.8%
The Times Black ICICI Bank Credit Card is ICICI's super-premium card made with Times Internet, with a low 1.49% forex markup on foreign spends. Most of its value comes from luxury stays, gift cards and milestone experiences claimed in the Times Black app, for a ₹20,000 fee.
- 0.8% on bills and utilities
- 0.8% on other spends
29. Axis Bank Reserve Credit Card
Annual fee ₹50,000 · Rewards up to 1.5%
The Axis Bank Reserve Credit Card is a super-premium card with a ₹50,000 fee, unlimited lounge visits for you and add-on holders, 50 free golf rounds a year and a low 1.5% forex markup. It earns 15 EDGE Reward points per ₹200, and double that on international spends.
- 1.5% on other spends
Compare these cards
How to choose a premium credit card
- The yearly spend that waives the fee, and what you pay if you fall short.
- What one point or mile is really worth, and where you can use it at that value.
- Lounge visits, and any spend you need first to unlock them.
- The foreign currency markup if you spend abroad.
How we ranked these cards
We work out what each card pays on ₹1,00,000 a month of high spending, then take off the renewal fee with GST. We count rewards only up to each limit. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there. Welcome gifts and lounge visits are left out. What a bank pays us plays no part. Your own result will differ, so try the credit card finder with your spending.
The bank alone decides approval and your credit limit.
Frequently asked questions
Is a premium credit card worth the fee?
Only if your rewards cover the fee, or you spend enough to get it waived. Each card page shows the monthly spend at which the card pays for itself.
Do these rankings count lounge visits?
No. The yearly value counts rewards and fees only, so compare lounge access separately on each card page.
What income do I need for a premium card?
It depends on the bank and the card. Some are invite only. Check the eligibility on each card page.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms. Fees are before GST.
Some Apply buttons are partner links. What a bank pays us never changes the order or any figure. How we make money