Best Premium Credit Cards in India
Premium credit cards offer exclusive benefits like airport lounge access, complimentary golf, concierge service, and high reward rates. Here are the top premium cards available in India right now.
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Frequently Asked Questions
What is a premium credit card?expand_more
Premium credit cards are cards that charge a higher annual fee (typically ₹5,000+) in exchange for elevated benefits like unlimited lounge access, travel insurance, concierge service, and accelerated reward rates.
Are premium credit cards worth it in India?expand_more
Yes, if you travel frequently or spend ₹5+ lakhs annually on a card. The lounge access alone (₹2,000+ per visit) can offset the annual fee after 2–3 visits.
Which premium credit card has the best lounge access in India?expand_more
Cards like HDFC Infinia, Axis Reserve, and Amex Platinum offer unlimited domestic and international lounge access through Priority Pass, DreamFolks, or proprietary networks.