Updated June 2026
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. For high spenders who use the benefits, they pay for themselves. Here are India's best.
- 1
Best premium card overall
Standard Chartered Ultimate Credit Card
Standard Chartered Bank
4.6PremiumLounge accessWhy we picked it: Flat 3.33% value-back on all spends with no category restrictions; Joining-fee-offsetting 6,000-point welcome bonus.
- Top reward
- 5%
- Annual fee
- ₹5,000
- Welcome
- ₹6,000
- 2
#2 for premium
HDFC Bank Marriott Bonvoy Credit Card
HDFC Bank
4.0PremiumLounge accessWhy 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
American Express Platinum Travel Credit Card
American Express
4.5PremiumLounge accessWhy we picked it: Strong milestone-driven value (bonus points + Taj voucher) for Rs.4-7 lakh annual spenders; 8 complimentary domestic lounge visits plus Priority Pass membership.
- Top reward
- 0.5%
- Annual fee
- ₹5,000
- Welcome
- ₹2,500
- 4
#4 for premium
Axis Atlas Credit Card
Axis Bank
4.4PremiumLounge accessWhy 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
- 5
#5 for premium
HDFC Bank Infinia Credit Card
HDFC Bank
4.9PremiumWhy we picked it: One of the best reward rates in India (3.3% base, up to ~33% via SmartBuy); Unlimited domestic and international lounge access via Priority Pass.
- Top reward
- 33%
- Annual fee
- ₹12,500
- Welcome
- ₹12,500
At a glance
| Card | Rating | Top reward | Annual fee | Welcome |
|---|---|---|---|---|
| Standard Chartered Ultimate Credit Card | 4.6 | 5% | ₹5,000 | ₹6,000 |
| HDFC Bank Marriott Bonvoy Credit Card | 4.0 | 3.2% | ₹3,000 | ₹9,000 |
| American Express Platinum Travel Credit Card | 4.5 | 0.5% | ₹5,000 | ₹2,500 |
| Axis Atlas Credit Card | 4.4 | 4% | ₹5,000 | ₹2,000 |
| HDFC Bank Infinia Credit Card | 4.9 | 33% | ₹12,500 | ₹12,500 |