Best of
Best Premium Credit Cards in India
Premium and super-premium cards carry higher fees but unlock unlimited lounge access, concierge, milestone rewards and the highest earn rates. Whether the benefits exceed the fee depends on how you use them. Here are India's best.
- 1
Best premium card overall
Standard Chartered Ultimate Credit Card
Standard Chartered Bank
4.6PremiumLounge accessVerifyingWhy we picked it: 3.33% value-back on ordinary spending, with no merchant or brand restriction; Joining-fee-offsetting 6,000-point welcome bonus.
- Top reward
- 3.33%
- Annual fee
- ₹5,000
- Welcome
- ₹6,000
- 2
#2 for premium
HDFC Bank Marriott Bonvoy Credit Card
HDFC Bank
4.0PremiumLounge accessVerifyingWhy we picked it: Strong value for Marriott loyalists: complimentary Silver Elite status, 10 Elite Night Credits and a Free Night Award every year.; High accelerated earn of 8 Marriott Bonvoy Points per Rs.150 at Marriott hotels (~3.2% value-back)..
- Top reward
- 3.2%
- Annual fee
- ₹3,000
- Welcome
- ₹9,000
- 3
#3 for premium
Axis Atlas Credit Card
Axis Bank
4.4PremiumLounge accessVerifyingWhy we picked it: Strong travel earn rate (5 EDGE Miles/Rs.100); EDGE Miles transfer to airline/hotel partners.
- Top reward
- 4%
- Annual fee
- ₹5,000
- Welcome
- ₹2,000
- 4
#4 for premium
HDFC Bank Infinia Metal Edition Credit Card
HDFC Bank
4.9PremiumVerifyingWhy we picked it: Very strong reward rate: 5 RP per Rs 150 on eligible purchases — 1% at our typical Rs 0.30/RP, up to 3.33% redeemed against SmartBuy travel at Rs 1/RP, and up to ~33% on SmartBuy accelerated categories at the same redemption; Unlimited domestic and international lounge access via Priority Pass.
- Top reward
- 10%
- Annual fee
- ₹12,500
- Welcome
- ₹3,750
- 5
#5 for premium
Axis Bank Reserve Credit Card
Axis Bank
4.7PremiumVerifyingWhy we picked it: Unlimited domestic and international lounge access with no minimum-spend requirement, plus 12 guest visits per calendar year (from 28 August 2026 domestic entry is by presenting the RESERVE card rather than Priority Pass); Very low 1.5% forex markup with ~3% rewards on international spends.
- Top reward
- 3%
- Annual fee
- ₹50,000
- Welcome
- ₹3,000
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At a glance
| Card | Rating | Top reward | Annual fee | Welcome |
|---|---|---|---|---|
| Standard Chartered Ultimate Credit Card | 4.6 | 3.33% | ₹5,000 | ₹6,000 |
| HDFC Bank Marriott Bonvoy Credit Card | 4.0 | 3.2% | ₹3,000 | ₹9,000 |
| Axis Atlas Credit Card | 4.4 | 4% | ₹5,000 | ₹2,000 |
| HDFC Bank Infinia Metal Edition Credit Card | 4.9 | 10% | ₹12,500 | ₹3,750 |
| Axis Bank Reserve Credit Card | 4.7 | 3% | ₹50,000 | ₹3,000 |