Best Premium Credit Cards

Top 15 Best Premium Credit Cards in India – Nowadays, credit cards are not used for getting an extra credit facility from the bank but for availing extra discount benefits and offers on the purchase of accessories. Anyone can get a credit card if he fulfil all the eligibility criteria. Being a financial advisor it is our sole duty to introduce you with the Top 10 Best Premium and Most Selling Credit Cards in India.

Check out the offers, annual fee, eligibility of the credit card and then take your decision accordingly. Every credit card has its own features and uniqueness and you have to choose them depending upon your needs.

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    Top 15 Outstanding Best Premium Credit Cards with Best Offers

    We will be sharing the list of most demanded credit cards that are available in the market.

    Credit CardsJoining FeeAnnual Fee
    SBI Elite Credit Card₹4999 + GST₹4999 + GST
    SBI Prime Credit Card₹2999 + GST₹2999 + GST
    Yes Premia Credit Card₹1599 + GST₹1599 + GST
    Yes First Preferred Credit CardLife Time FreeLife Time Free
    HDFC Regalia Credit Card₹2500 + GST₹2500 + GST
    ICICI Rubyx Credit Card₹3000 + GST₹3000 + GST
    Axis Signature Credit Card₹5000 + GST₹3000 + GST
    Axis Bank Vistara Infinite Credit Card₹10000 + GST₹10000 + GST
    ICICI Emeralde Credit Card₹12000 + GST₹12000 + GST
    HDFC Infinia Credit Card₹10000 + GST₹10000 + GST
    RBL Icon Credit Card₹5000 + GST₹5000 + GST
    RBL Blockbuster Credit Card₹3000 + GST₹3000 + GST
    Citi PremierMiles Credit CardAs Per Bank’s Norm₹3000 + GST
    HDFC Diners Club Black Card₹10000 + GST₹5000 + GST
    Etihad Guest SBI Premier Card₹4999 + GST₹4999 + GST

    SBI Elite Credit Card

    SBI Elite credit card is available with exciting offers on the purchase of fashionable products. You can get this credit card at the annual fee of ₹4999 (Plus Taxes) paid only once and it can be renewed on a yearly basis with the sum of ₹4999 (Plus Taxes)


    • Earn a welcome offer gift of worth ₹5000.
    • Avail 5x rewards while spending on dinning and grocery.
    • Get a chance to earn 15,000 bonus rewards on the expenditure between ₹5 Lac to ₹8 Lacs.
    • Spend ₹3 and ₹4 Lac in a year and get 10,000 reward points.
    • Lucrative discounts at leading spas and lifestyle stores.
    • Fraud liability cover of ₹1 Lac.
    • Get movie tickets worth ₹6000 in a year.

    SBI Prime Credit Card

    SBI Prime credit card is available with an annual fee of ₹2999 charged only once. Get e-gifts from Marks and Spencer,, Shopper Stop, Bata/Hush Puppies and Pantaloons.


    • Spend ₹100 on Reliance Fresh, Reliance Trends, Reliance Smart, Reliance Footprint, Sahakari Bhandar and BigBasket stores and get 15 Reward Points.
    • Spend ₹100 on groceries, dinning, movies and departmental stores and earn 10 Reward Points.
    • Get a reward of 20 points on every ₹100 spent on your birthday.
    • Spend of ₹50,000 in a calendar quarter and Win Pizza hut e-voucher worth ₹1,000.
    • Your renewal fee will be waived off if you spend ₹3 Lac a year.
    • Spend ₹5 Lac annually and get an e-gift voucher worth ₹7000 available from
    • Get a complimentary club Vistara Silver Membership.

    Yes Premia Credit Card

    Yes Premia Credit Card comes up with an annual fee of ₹1500 plus taxes and it can be waived off if you spend more than ₹20,000 within 90 days. The renewal fee which is ₹1500 plus taxes per annum can be also waived off if the user spends more than ₹1.5 Lacs in a year.


    • Spend ₹100 on grocery stores and supermarkets and earn 4 reward points.
    • Earn 3 reward points on the expenditure of ₹100 on other categories.
    • Grab 750 reward points on Yes PayNow Registration.
    • Get a 25% discount on BookmyShow for booking movie tickets.
    • Credit Shield of ₹2.5 Lac on the accidental death of Primary card user.

    Yes First Preferred Credit Card

    Enjoy the privileges of Yes First Preferred credit card at just an annual fee of ₹2500 plus taxes.


    • Earn 15000 reward points on the first transaction done within 90 days of the card issuance.
    • Get 10000 points on every renewal.
    • Spend ₹7.5 Lacs per annum and earn 20000 reward points.
    • Spend ₹100 on Travel Agencies, Domestic Airlines, dinning and earn 8 reward points.
    • Earn 4 reward points on every ₹100 spend on other categories.

    HDFC Regalia Credit Card

    You can easily get the HDFC Regalia Credit Card in ₹2500. This card also has a renewal fee of ₹2500 payable on a period of one year.


    • Spend ₹100 on Vistara Flights and earn 6 club Vistara points.
    • Get 4 reward points on the expenditure of ₹150.
    • Enjoy an extra baggage allowance of 5 kgs.
    • Grab 8 reward points on the expenditure of ₹150 on bookings made on the official website of HDFC Regalia.

    ICICI Rubyx Credit Card

    ICICI Rubyx Credit Card is available at an annual fee of ₹3000 plus taxes and the renewal fee of ₹2000 payable every year. If you spend more than ₹3,00,000 in a year using this card then your renewal fee will be waived off by the bank.

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    • Get a complimentary movie ticket free under Buy 1 Get 1 offer on a monthly basis on BookmyShow.
    • Get 2 movie tickets absolutely free worth upto ₹300 monthly.
    • On the payment of joining fee get welcome vouchers of shopping and travel worth ₹5000.
    • Earn up to 15000 Payback points every year.

    Axis Signature Credit Card

    Axis Signature credit card is available at an annual fee of ₹5000 and there is also a renewal fee of ₹3000 which can be waived off if the user does a transaction of ₹3,00,000 in the preceding year.


    • Air accident is covered up to ₹2.5 Crores.
    • Protection on purchase of up to ₹1 Lac.
    • Lost travel document covered up to 300 US Dollars.
    • Delay of checking Baggage covered up to 300 USD.

    Axis Bank Vistara Infinite Credit Card

    The joining fee of Axis Bank Vistara Credit Card is ₹10,000 and from the second year onwards the renewal fee will also be the same that is ₹10,000. The bank will not charge any fee for re-issuing the card if it is lost or stolen.


    • Earn 6 club Vistara Point on the expenditure of every ₹200.
    • Privileges in boarding and additional baggage allowance on being a member of Vistara Club.
    • Get complimentary lounge access on being a member of the Vistara club.
    • Get a business class complimentary gift on joining.

    ICICI Emeralde Credit Card

    If you want to apply for this credit card then your net monthly salary must be ₹3 Lacs or above or you should file an annual Income Tax Returns of ₹30 Lacs or above in a financial year. You must explore some offers of this premium credit card below:-

    • Get unlimited access to international airport lounges, under the Dreamfolks Membership Programme.
    • Get unlimited visits to select lounges at airports in India with this ICICI Bank Credit Card.
    • Enjoy unlimited access to the domestic airport spa under the Dreamfolks Membership.
    • Get a foreign markup fee of 2%.
    • Gave a 1% fuel surcharge waiver on fuel transactions.
    • Enjoy one ticket and enjoy up to ₹750 off on the second ticket, up to 4 times in a month through on BookMyShow.
    • Enjoy complimentary golf lessons on every ₹50000 or more spent from the card in the previous calendar month and a maximum of up to 4 rounds monthly.
    • Have 24×7 concierge service that takes care of your every need.
    • Get a minimum 15% discount on dining at participating restaurants under Culinary Treats Programme.
    • Get 4 PAYBACK Points on every ₹100 spent on all retail transactions except fuel.
    • Enjoy 1 PAYBACK Point on every ₹100 spent on utilities and insurance categories.
    • Get Personal Air Accident Insurance Cover of ₹3 Crore and Credit Shield of ₹50000.
    • There is a Baggage insurance of up to ₹25000.
    • Have a Loss of Travel Documents Cover of $500.
    • Get Loss of Check-in Baggage Cover of $1200.

    HDFC Infinia Credit Card

    There are no income criteria to get this credit card. The Infinia Credit Cards are offered by the HDFC Bank through an invitation to their potential customers. This credit card also has many exclusive benefits and it also falls in the premium category.

    • Get a Free Membership of the Club Marriot as a welcome bonus on this credit card.
    • Enjoy a discount of up to 20% on dining and staying across Asia-Pacific under this membership.
    • Get 15% off for up to 10 Guests at hotels under this membership.
    • Enjoy Unlimited Access to the Airport Lounges present in India and Outside India under the Priority Pass Program.
    • The bank charges a foreign markup fee of 2% on foreign currency transactions.
    • Enjoy unlimited Free Golf games at premium courses worldwide.
    • Enjoy Global Concierge Assistance for your travel, entertainment, and business experiences.
    • Get 5 reward points on every spend of ₹150.
    • Get 10X Reward Points on travel and shopping transactions through Smartbuy.
    • Enjoy 2X Reward Points on dining at the selected restaurants.
    • Get an Insurance Cover of ₹3 Crores in case of death in an Air Accident.
    • Get Overseas Hospitalisation cover in case of an emergency of up to ₹50 Lacs.
    • Have a Credit Liability cover of up to ₹9 Lacs.

    RBL Icon Credit Card

    If you are hunting for a premium category credit card then the RBL Icon Credit Card can also give you luxurious experience. There are multiple reward point benefits available on this card and you can explore others features of this card below:-

    • Get 20000 bonus reward points as a welcome gift.
    • Earn 2 reward points for spending every ₹100.
    • Enjoy 20 Reward Points for every ₹100 spent on international and dining spends on weekends.
    • Earn 10,000 reward points on spending ₹3 lacs in a year
    • Get additional 15000 reward points on spending ₹5 lacs in a year and 20000 reward points on spending ₹8 lacs in a year.
    • Enjoy a maximum of 2000 reward points in each month for international and weekend dining spends
    • Get two complimentary access to lounges every quarter at major domestic airports.
    • Enjoy golf course referral, reservation assistance, car rental, limousine referral, and reservation assistance.
    • Have information on spa, fitness centre and sports centre, as well as Referral assistance.
    • Have Access to select golf courses across India.
    • Enjoy 1+1 movie ticket up to ₹200 twice a month at BookMyShow.
    • Enjoy complimentary glass of a premium wine or a sumptuous dessert at participating restaurants such as Taj, ITC & Jaypee.
    • Get complimentary meals, complimentary room upgrades and other offers at hotels such as Four Seasons, Mandarin Oriental and Oberoi.
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    RBL Blockbuster Credit Card

    If you want to have a great luxurious experience then you must take a look at this credit card as well. This card also has benefits like reward points, movie discounts, and many others. You must explore all the features of this premium credit card.

    • Enjoy movies and events worth ₹1,000 at BookMyShow.
    • Earn additional 8,000 reward points.
    • Enjoy a discount of ₹1,000 or 4 free movie tickets in 2 transactions worth ₹500.
    • Earn 2 reward points for every ₹100 spent
    • Get 10,000 reward points on spending ₹3.5 lakh per annum
    • Earn an additional 15,000 reward points on spending ₹5 lakh per annum.
    • Enjoy a discount of 10% on bookings at BookMyShow for 15 transactions in a year, capped to ₹100 per transaction.
    • Enjoy complimentary access to domestic airport lounges in a year
    • Get a fuel surcharge waiver on transactions worth between ₹500-₹4,000, capped to ₹150 per month.

    Citi PremierMiles Credit Card

    There are eligibility standards prescribed by the bank according to which the Citi PremierMiles credit cards are issued. The bank has set certain norms according to which the eligibility of the customer is evaluated and then only this card is issued. As this card is a premium card so it has a lot of benefits and offers.

    • Get 10,000 miles on the first card spend of ₹1,000 or more within 60 days of issuance.
    • Earn 3,000 miles on card renewal.
    • Enjoy accelerated 10 Miles per ₹100 on booking flight tickets, hotel stays, and car rentals when you book the same from the PremierMiles website.
    • Enjoy 10 Miles per ₹100 spent on all airline transactions with any airline in the world.
    • Get 10 Miles per ₹100 spent with the bank’s online partner merchants.
    • Enjoy 10 Miles per ₹100 on airline transactions and
    • Have 8 Miles on spending ₹100 at amazon India, Flipkart, Myntra.
    • Get 4 Miles per ₹100 on all other spends.
    • Enjoy complimentary visits to select airport lounges.
    • Get up to 15% off on dining bills across participating restaurants.

    HDFC Diners Club Black Card

    This credit card is issued to the Salaried Professionals between the age group of 21 years to 60 years and having a Gross Monthly Income of more than ₹1.75 lakhs. On the other hand, the age limit for the Self-Employed Individuals is 21 years to 65 years and the ITR filed by the individual must be more than ₹ 21 lakhs per annum. This card also falls in the premium category and you must go through the offers of this card.

    • Get a welcome benefit of membership from Club Marriott, Zomato Gold, Amazon Prime, Forbes, MMTdoublebalck and Times Prime any of these on your first swipe.
    • Spend ₹8 lacs and get the complimentary annual membership.
    • Enjoy monthly benefit of Vouchers from OLA, BookMyShow or Tatacliq on the spending of ₹80,000 in a month.
    • Have the lowest Foreign Currency Markup on this card that is 1.99%
    • Enjoy access to 800 Airport lounges around the world with Indian domestic lounges.
    • Get Enjoy Referral and Reservation Assistance for Golf Course.
    • Enjoy the most of Business Services for your business-related needs.
    • Get the Assistance for Courier Service.
    • Enjoy 5 Reward Points for every retail expenditure worth ₹150.
    • Get up to 2,000 Reward Points for insurance transactions in a year.
    • Have the complimentary Golf Programs (Green Fee Waiver) at about 20 golf courses in the country and over 40 golf courses worldwide.

    Etihad Guest SBI Premier Card

    The State Bank of India also offers premium cards and Etihad Guest SBI Premier Card is one of them. You must not miss the features and benefits of this premium credit card and explore all of them below:-

    • Get a discount of 38% on booking an economy class ticket at Etihad Airways.
    • Enjoy 10% discount on the business class ticket at Etihad Airways.
    • Enjoy a discount of up to 10% on travel rewards miles redemption.
    • Get complimentary Etihad Guest Gold tier status after the first transaction made through the card.
    • Have 2 free Wi-Fi vouchers on booking your first flight.
    • Earn 6 Etihad Guest Miles on spending every ₹100 on Etihad official website.
    • Earn 4 Etihad Guest Miles on spending every ₹100 on international purchases.
    • Enjoy 2 Etihad Guest Miles on spending every ₹100 on other purchases.
    • Spend ₹1.5 lakh and earn 1,500 Etihad Guest Miles.
    • Get a companion voucher on spending ₹8 lakhs annually.
    • Spend a minimum of ₹5 lakhs in a year and waive of the annual fee.
    • Enjoy 8 complimentary accesses to domestic Visa lounges in India, capped to a maximum of 2 per quarter.
    • Get complimentary overseas air accident cover of ₹50 lakhs.
    • Have the fraud liability cover of ₹1 lakh.
    • Get complimentary lost baggage allowance of up to US$1,000.
    • Enjoy a fuel surcharge waiver of 1% on vehicle refill transactions worth between ₹500 and ₹4,000 with a maximum of ₹250 per statement cycle.


    Well, you have the list of Top 10 Premium credit cards. Now, you are familiar with all the offers of every credit card. It would be easy for you to take the decision and apply for the card. If you want to know more about any credit card then feel free to chat with us on our online portal at Wishfin. Our representative will tell you every single detail of the credit card.

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