Best Premium Credit Cards In India

There are many premium credit cards in the market, making a choice difficult. Choosing one depends on the entry bonus, add-on facilities, and much more. Factors like eligibility, card limits should be kept in mind too. We have done thorough research to find the best premium credit cards in India with exclusive offers, benefits, and features.

Top Best Premium Credit Cards In India

Here are the top credit cards in India based on their features, benefits, fees, variants, etc.

1. Golf Privilege Credit Card India

HSBC Premier Master Card

Some special credit card comes with attractive golf privilege are below. This credit card offers you access to the finest golf courses in India and exclusive golfing privileges. With this card’s help, you can access privilege to multiple premium Golf Courses, impressive memberships, and many more benefits.

Features And Benefits

1. You can enjoy free access to below gold courses in India.
2. The Kashmir Golf Club in Srinagar
3. The Kodaikanal Golf Club in Kodaikanal
4. The Agra Golf Club in Agra
5. The Clover Greens in Bangalore
6. The Gold Greens Golf Resort in Gurgaon
7. The Oxford Golf Course in Pune
8. The Panchkula Golf Course in Chandigarh
9. You can avail five games for free on the above golf courses
10. You will receive a free membership along with special discounts.
11. Access to more than 2,000 Golf Courses located in 102 countries in the world.

YES Bank MasterCard

You will get attractive programs and offers at golf courses in India, and this can be booked via 24 hours of concierge service. This card is having wonderful features and benefits and will also provide you with free memberships.

Features And Benefits

1. You can get golf lessons in selected golf clubs.
2. You can get a free Green Fee membership.
3. You can also enjoy entrance to below golf courses via this card.
4. The Oxford Golf Club in Pune
5. The Boulder Hills Golf Club In Hyderabad
6. The Aamby Valley in Mumbai
7. The Kalhaar Blues and Greens in Ahmadabad

Citi Prestige Credit Card

You can get exceptionally striking golfing privileges. This card is best suited for the person who wants to experience Golf with classic features. This card is easy to avail a can be obtained from any branch of the bank.

Features And Benefits

1. You can get the benefit of free green fees at some golf courses worldwide.
2. Get access to premium golf clubs in India and around the world.
3. Get the benefit of 4 free rounds of golf every year at 15 best golf clubs in India.
4. Avail benefit to 4 free golf lessons each year at 15 best Indian golf clubs.

Standard Chartered Visa Infinite Credit Card

With this card, you can obtain special golfing offers across India.

Features And Benefits

1. You can enjoy privilege at 20 elite golf courses and clubs in India.
2. You can also gain access to more than 2,000 driving ranges and golf courses across the world.

ICICI Bank Credit Cards

This card will provide you with some exclusive offers at top golf courses across the world. Multiple Golf courses will offer you free access to exclusive golf clubs across the country.

Features And Benefits

1. You can save on a green fee and can also go for additional rounds.
2. Enjoy free rounds of golf across the year at any Indian golf course.
3. You can enjoy exclusive entrée and benefit at 8 Indian Golf Courses.
4. Enjoy access to the 9 best golf courses; some are below.
5. The Poona Golf Club
6. The Boulder Hills Golf Club in Hyderabad
7. The Tamil Nadu Golf Federation
8. The Clover Greens in Bangalore

HDFC Diners Club Black Credit Card

You can get an amazing range of golfing benefits across the world. You can get this card easily from the bank. It comes with multiple benefits and features mentioned below.

Features And Benefits

1. You can get 24 hours of Golf janitor assistance.
2. You can get the privilege of a green fee waiver.
3. Get access to unlimited free golfing lessons at most of the golf courses.
4. You can enjoy unlimited free golfing games.

ABN AMRO Platinum Greens Card

With attractive offers on golfing equipment, ABN AMRO offers an exclusive range of benefits. This is a card of multiple perks. If you are the person who loves benefits with leisure, then this card is best for you.

Features And Benefits

1. Get a 50% waiver on 3,500 golf clubs, hotels, and resorts.
2. Avail free membership at Golf Free Card, which will help you access waiver and privileges over 2,400 worldwide.
3. You will be given Platinum Greens membership which comes along with Taylor Made golf clubs.
4. You will also get the below benefits.
5. Offers at gold clinics across the country.
6. Benefits of golf-related holiday packages.
7. Discounts on golf equipment.
8. Access to exclusive spas.
9. Golf janitor services.

2. HDFC Infinia Credit CardAQs

This is the most exclusive credit card for you. Many ideal points will amaze you. This card is best for offering you reward points that can be easily redeemed for various gifts.

Key Highlights

1. Card protection and first-class insurance policy.
2. Priority customer services.
3. Least foreign currency mark-up.
4. On spend of every 150/- you will get 5 reward points.
5. Best dining privileges.
6. Membership at Club Marriott (Complimentary).
7. Personal janitor service.
8. There is no pre-set spending limit for this card.
9. Additional airport lounge access with MasterCard Lounge Access and 10. Priority Pass Membership programs.

Features And Benefits

• Unparalleled Spending Power

There is no pre-set spending limit on the HDFC Bank Infinia credit card.

• Reward Point Benefits

1. The validity of the reward point if of 3 years.
2. You can convert your reward points into Air Miles, and these miles can be exchanged for tickets and other services at international and domestic airlines.
3. On every spend of 150/- you can earn 5 reward points with zero conditions.
4. You can also access the best reward program provided by the bank.

• Travel Privileges

1. It comes with the lowest foreign currency mark-up of 2% on every spend outside the country.
2. You will get 4 complimentary lounge visits at domestic lounges each quarter.
3. You can get facilities like refreshments and a business center.
4. Access to more than 1,000 lounges at the airport in India and across the world.

• Lifestyle Benefits

1. You can make most of the memberships with 20% off on “Weekend rates” in Marriott hotels in the Asia Pacific and on “Best Available Rates” on rooms in Marriot Indian Hotels.
2. Enjoy a discount of 20% on beverages and food bills at Marriott Hotels restaurants.
3. You will receive a complimentary club membership.
4. If you are a primary cardholder, you will get a 100% green fee waiver during your visits.
5. You can also get access to exclusive restaurants at selected golf courses across the country.
6. You can enjoy complimentary gold games at most of the best Indian golf courses.
7. Avail the facility of movie ticket bookings, dining reservations, customized hotel bookings, etc.

• Dining Benefits

Get exclusive discounts and offers of 15% in more than 3000 restaurants.

• Financial Benefits

1. It comes with an interest-free period of 50 days.
2. It offers less foreign currency mark-up fee on all foreign transactions.
3. On all fuel transactions, the convenience fee is waived off, and the minimum transaction value is 400/-, whereas the maximum is Rs. 1000 each cycle.

• Insurance Benefits

1. It comes with a liability cover of Rs. 9 Lakh for the primary cardholder only.
2. Air accident, the nominee with getting the compensation of Rs. 3 crores.
3. The primary cardholder will get an insurance cover of Rs. 50 crores.

2. HDFC Infinia Credit Card Limit

Generally, there is no preset card limit for the Infinia credit card. The bank itself will provide more details. This is one of the best cards when it comes to supplementary cards. Also, there are various perks that you can enjoy.

Offers By HDFC Bank Infinia Credit Card

1. You can enjoy a discount of 15% on all Spa service.
2. Get a 35% flat discount on Treebo hotels by the latest vouchers.
3. Enjoy a flat discount of Rs. 1,000 on MakeMyTrip flight bookings.

Fees And Charges

Eligibility

1. You may or may not be a resident of India.
2. Applicant age must be 18 to 70 years.
3. The age of add-on cardholder must be of 15 years.

Documents Required

1. 2 colored passport size photos
2. Address proof like passport and Aadhar card
3. Income proof
4. Identity proof
5. Copy of PAN card
6. Filled application form

3. HDFC Super Premium Credit Card

There are many premium credit cards offered by. Out of those 9 credit cards, I have explained 9 best HDFC credit cards, including their features, benefits, joining fees, rewards, joining bonus, and suitability. Below are the top 9 HDFC super premium credit cards in India.

HDFC Bank Religare First Card

This is one of the best credit cards offered by HDFC bank, which have a meager joining fee and good rewards. This is one of the best credit cards for international travelers. Key Highlights: – A premium card that provides elite lifestyle and travel benefits. Joining Fee: – You need to pay Rs. 1000 for getting this premium credit card. Renewal Fee: – These charges are waived off if your total expenses are more than Rs. 3 lakh else, you need to pay Rs. 1,000 from 2nd year. Joining Bonus: – You will get 1,000 reward points after paying the joining fee. Rewards Redemption Options:- You can redeem rewards for getting free air tickets

Features And Benefits

1. You will get free comprehensive insurance, covering credit liability, emergency hospitalization, and air accidental death.
2. 2% mark-up fee on foreign currency for international expenditures.
3. Access to 8 domestic lounges per year.
4. On spending Rs 6 Lakh annually, you will get a reward point of 7,500.
5. A discount of 15% on premium restaurants in India.
6. Priority passes membership, which provides access to more than 700 airport lounges.

Suitable For

This card is best for the people who fly internationally.

HDFC Bank Diner Club Black Card

A valuable credit card is offered by HDFC bank, which is having multiple features. If you love to travel abroad, you can avail of this card at a feasible joining fee. Key Highlights: – This card is offered in partnership with Dinner Club International. You will also get world-class privilege in golf, lifestyle, travel, etc. Joining Bonus: – You will get reward points of 10,000 after paying a reward fee. Renewal Fee: – If your total expenses are more than 5 Lakh, then this fee is waived off else it is Rs. 5000. Joining Fee: – You need to pay Rs. 10,000 for getting this card. Rewards Redemption Choices: – You can redeem reward points for Kris Flyer Miles, JP Miles, Air Miles, hotel bookings, free air tickets, etc.

Features And Benefits

1. Around 6 complimentary golf games each quarter valid worldwide.
2. Get 50 reward points on international expenses.
3. Unlimited access to 700+ airport lounges globally.
4. Complimentary comprehensive insurance covers credit liability, baggage delay, emergency hospitalization, air accidental deaths, etc.

Suitable For

This card is perfect for people who travel internationally.

HDFC Bank Religare Card

If you are a person who likes to use a credit card daily, then the HDFC bank regalia card is the best option for you. With this card, you can do your daily shopping very easily, and in return, you can get multiple reward points. Key Highlights: – This card is designed for the elite class and offers you the best benefits across multiple lifestyle categories. Joining Charges: – You need to pay Rs. 2,500 for getting this card. Renewal Charges: – If your expenses are more than 3 lakh, the fee will be waived off. Else you need to pay Rs 2,500. Joining Bonus: – After paying the joining fee, you will get a joining bonus of Rs, 2,500. Reward Redemption Option: – Rewards earned through this card can be redeemed for hotel booking, air ticket booking, etc. You can also convert these rewards to Air Miles.

Features And Benefits

1. Enjoy 15% discounts at premium restaurants across the country.
2. On annual expenditure of Rs. 8 Lakh, earn a reward point of 15,000.
3. Complementary, 12 domestic lounge accesses in a year.
4. Get 24 x 7 concierge supports for entertainment and travel bookings.
5. 2% mark-up fee on foreign currency.
6. Complimentary comprehensive insurance that covers credit liability, emergency hospitalization, air accidental death, etc.
7. Get priority pass membership, which provides access to 700+ airport lounges.

Suitable For

This card is suitable for people who travel a lot and use credit cards regularly.

HDFC Freedom Credit Card

This card is again for people who do their daily shopping with the help of a credit card. There are many joining bonuses and other perks that you can avail of. Key Highlights: – This is one of the best rewards of giving cards. This card also offers free accidental death insurance and freedom credit card. Joining Fee: – You need to pay Rs 500 as a joining fee. Renewal Fee: – If your total expense is exceeding Rs. 60,000, then your total expense of Rs. 500 is waived off. Joining Bonus: – You will get 500 rewards on paying the joining fee. Reward Redemption: – Enjoy gifts or cash back with the help of rewards.

Features And Benefits

1. You will get additional accidental insurance of Rs. 50 lakh.
2. On annual spend of Rs. 90,000, you will get Rs. 1000 gift voucher.
3. Get 25 times more points on birthday expenses.
4. You will also get 10 times more reward points on Smart BUY, and PayZapp spends.
5. Enjoy 5 times more reward points on grocery spend, cab booking, railway ticket booking, and entertainment and dining.

Suitable For

This card is suitable for people who use credit for daily expenditure.

HDFC Bank MoneyBack Credit Card

If you are looking for a very low maintenance card, then this card is made only for you. Apart from low maintenance, this card offers valuable features that you are going to love. Key Highlights: – Against your card outstanding, you can redeem reward points for cashback. Joining Fee: – You need to pay a joining fee of Rs 500. Renewal Fee: – You need to pay a renewal fee of Rs. 500 from 2nd year. Joining Bonus: – You can enjoy the benefit of 500 reward points one joining fee is paid. Rewards Redemption: – In this card, rewards can be used as a cashback, air miles, and gifts.

Features And Benefits

1. There is no liability on the lost card.
2. You can get free accidental death insurance of Rs. 50 lakh
3. Get a voucher for Rs. 500 on purchasing of Rs 50,000 each quarter.
4. For online expenses, you can get double reward points.

Suitable For

This card is best for the people who want to cut doing their card’s annual maintenance.

HDFC Bank Titanium Times Card

This card offers multiple benefits on shopping, dining, movies, holidays. The card’s maintenance fee is meager, and do not worry about the renewal fee as this is also very less. Key Highlights: – This is a low-cost and high-value card, which will provide you benefits across multiple lifestyle ranges. Joining Fee: – Forgetting this card, you need to pay the joining fee of Rs 500. Renewal Fee: – You need to pay a renewal fee of Rs 500 from the second year. Joining Bonus: – Get gift vouchers from multiple categories like clothing, dining, shopping, etc.

Features And Benefits

1. There is no liability on lost cards.
2. Get free accidental death insurance of Rs. 50 lakh.
3. Get e-voucher of Rs 500 on quarterly expenses of Rs 50,000.
4. On online expenses, you will get double rewards.

Suitable For

This card is best for the people who are looking for multiple benefits on low maintenance.

HDFC Bank Diners Club Miles Card

If you are a travel freak and want to get the privilege of multiple benefits, you can easily get this card from any HDFC bank branch. There are multiple rewards, joining perks, etc., which you can enjoy. Key Highlights: – This is best known as a travel card that comes with the wonderful Miles Exchange Program. This offers miles exchange at multiple airlines like Club Vistara, Trident, Singapore Airlines, Jet Airways, and British Airways. Joining Fee: – You need to pay a joining fee of Rs. 1,000 for getting this card. Renewal Fee: – This will be waived off if your previous year’s expenses are more than Rs. 1 Lakh. Joining Bonus: – You will get a reward of 1,000 after paying the joining fee. Reward Redemption: – You can redeem your rewards for airline ticket booking, hotel booking, etc. You can also exchange it for miles for both international and domestic hotels and airlines.

Features And Benefits

1. You will get an air insurance cover of Rs. 1.5 crores
2. Get a discount of 15% at leading Indian restaurants.
3. Service assistance
4. Get worldwide booking of your hotels and flight via the Diners Club website.
5. You can get free 6 lounge visits in more than 700 lounges across the world.
6. Get additional lounge access, which provides access to the leading airport lounge globally.

Suitable For

This is a perfect card for people who use cards for travel needs.

HDFC Bank Platinum Times Card

If you love to dine outside and watch movies regularly, then this card will provide you a different benefit. There is a very less joining fee for this card and can be obtained easily from any HDFC banks. Key Highlights: – This card comes with high value at a meager cost and provides benefits against multiple lifestyle categories. Joining Fee: – The joining fee is Rs. 1,000. Renewal Fee: – You need to pay a renewal fee of Rs. 1,000 from 2nd year. Joining Bonus: – You can get gift vouchers from multiple lifestyle options like clothing, shopping, dining, etc. Rewards Redemption: – You can get exclusive gifts in exchange for reward points.

Features And Benefits

1. Accidental death insurance of Rs. 50 lakh.
2. Waiver of fuel surcharge.
3. Get 25% off on booking of movie tickets and 20% off on dinner bills.
4. On regular spending get 3 more reward points, and on weekdays, dining gets 10 points.

Suitable For

This card is perfect for people who go out for dinners regularly and who are movie freak.

Jet Privilege HDFC Bank Diners Club

If your favorite airlines are Jet Airways, you should get this card, and you are going to get mind-blowing benefits on this credit card. Along with this, there are many reward options that you can easily avail of. Key Highlights: – This card will provide you exclusive offers on Jet Airways flight bookings. Joining Fee: – You can get this card by paying Rs. 10,000. Renewal Fee: – This is Rs. 5,000 of renewal fee which can be waived off if you are spending more than Rs 8 lakh. Reward Redemption: – In this card, rewards can be exchanged for JPMiles, which Jet Airways flight ticket can be booked.

Features And Benefits

1. Get dining privileges at top restaurants.
2. Get unlimited free access to the world’s largest airport lounge.
3. Extra baggage allowance and priority check-in at some of the Indian airports.

Suitable For

This card is best for people who prefer jet airways for all international and local travels.

4. Metal Credit Card India

American Express initially launches metal cards in India. These are different kinds of cards which are made of metal. The cards are highly secure and are issued only to premium customers. These types of premium cards are highly durable and are very difficult to break. If you are looking for more security, then go for these kinds of cards.

Benefits And Features

1. Gets access to the American Express lounge in Mumbai with a promise of A-LA-CARTE dining with a sumptuous buffet?
2. On overseas expenditure, you will get 3X reward points.
3. A slight increase in the membership fee.
4. Dining benefits
5. Annual fee of 60k

Documents Required To Apply For Premium Credit Cards

General, it varies from user to user and from card to car. However, common documents are used in the same area. Identity Proof

1. PAN card
2. Passport
3. Ration card
4. Aadhar card
5. Voter ID card
6. Driving License

Address Proof

1. Passport
2. Aadhar card
3. Ration card
4. Rental agreement

Salary Proof (For Salaried People)

1. Certificate of salary
2. Employment letter
3. Salary slips

Salary Proof (For Self-Employed People)

1. Recent Income Tax return documents
2. Your balance sheets or statements of profit and loss.
3. Certified financials.

Others

1. Photographs
2. PAN card

Eligibility Criteria

Below are the eligibility criteria to get the best premium credit card in India.

1. You must qualify the minimum income requirement defined by the card provider.
2. You should have a valid Indian address.
3. You should have a savings account in any Indian Bank.
4. You should be either self-employed or salaried.
5. You should have a minimum of 18 years of age.

FAQs