Best Premium Credit Card: Everything You Need To Know

 

While most people are busy looking for free credit cards that charge no joining or annual fee, they often forget that those credit cards do not offer the benefits and perks of a credit card that charges something in return. Most of the free credit cards come with minimum deals and benefits to offer to their customers, whereas premium credit cards offer premium benefits to their users. They offer top-notch reward benefits, amazing cashback, and great travel benefits. 

Nearly every card issuer in India usually offers 1 premium credit card that is intended for people with high incomes. Premium credit cards offer a tonne of great advantages in many different areas; however, they usually have a large yearly fee. 

We've ranked the finest premium credit cards below:


American Express Platinum Card: 

One of the best premium credit cards is the American Express Platinum Credit Card, which comes at a considerably high joining fee of Rs. 60,000 but the benefits and rewards this card offers more than makes up for that fee. The benefits of this card include complimentary memberships to various elite programs, travel benefits, lounge access, welcome benefits, and numerous vouchers.

Joining fees:
Rs. 60,000 + GST.

Annual fees:
Rs. 60,000 + GST.

Axis Reserve Credit Card:

The premium Axis Reserve Credit Card offers a wide range of benefits, including memberships in the club ITC Culinaire, an Accorplus subscription, a Priority Pass membership including unrestricted complimentary trips, and much more. Whoever is able to afford the Rs. 50,000 registration fees plus the yearly charge can use the card's features.

Joining Fee:
Rs. 50,000.

Annual Fee:
Rs. 50,000.

HDFC Diners Club Black Credit Card:

The HDFC Diners Club Black Credit Card is particularly ideal for individuals that are prepared to spend a premium yearly fee in exchange for special benefits. One of India's top super-premium cards is the HDFC Diners Club Black Credit Card. This card has advantages for retail, restaurants, bonuses, traveling, and golfing, among other things. With a basic reward percentage of 3.33%, it is among the finest rate, and also the foreign currency markup price is only 1.99%.

Joining Fee:
Rs. 10,000 + taxes.

Renewal Fee:
Rs. 10,000 + taxes.

Citi Prestige Credit Card:

A premium credit card option is the Citibank Prestige Credit Card, which provides bonuses, Airline Miles, and freebies in addition to travel and leisure features. Through this card, customers can get free nights at some resorts as well as savings. If users fly a lot and wish to receive top advantages, this is the best choice.

Joining Fee:
Discussed at the time of sourcing.

Renewal Fee:
Rs. 20,000.

HDFC Infinia Credit Card:

Another premium card that made it to the list is the HDFC Bank Infinia Credit Card from HDFC Bank, this card is available to select clients who receive a unique invitation. This credit card provides perks in a variety of sectors, covering travel, incentives, retail, restaurant, etc.

Joining Fee:
10,000/ Rs. 12,500

Renewal Fee:
Rs. 10,000/ Rs. 12,500

Bottom Line:

If you have made up your mind about getting a premium credit card and you have all the requirements and income for getting one then you should go with one from the above list. The finest lifestyle features and advantages which customers can't get from a normal credit card are offered by premium credit cards.

Comments

Post a Comment

Popular posts from this blog

How To Redeem Rewards Points In HDFC Credit Cards

Image
A reward point is a benefit provided by banks to credit cardholders in exchange for every dollar spent on their card. HDFC Bank’s reward program is known as MyRewards Credit Card Rewards Program. Based on the type of HDFC Bank Credit Cards chosen, you can earn rewards and accelerated rewards on distinct categories. You need a minimum of 500 points to redeem your HDFC Rewards in any of the given categories, such as gift cards, discounts, air miles, etc. Let us discuss some of the infamous ways on how to redeem HDFC Credit Card reward points: HDFC Credit Card reward points Net Banking: Follow the below-given steps to successfully redeem your HDFC Credit Cards reward points via Internet Banking: Step 1: Sign in to your Bank’s Net Banking server using your ID and Password. Step 2: Register your credit card (one-time activity) Step 3: Click Register New Card on the left-hand side navigation bar of the Credit Cards menu. To finish the registration procedure, you'll need your four-dig
Read more

What Is a Secured Credit Card and How Does It Work?

Image
Credit cards have become an essential part of the modern financial system, allowing consumers to make purchases and access credit for various expenses. However, not everyone can qualify for a traditional credit card due to their credit history or other financial circumstances. That’s where secured credit cards come in. In this article, we’ll explore what secured credit cards are, how they work, and their benefits. What is a secured credit card? A secured credit card is a type of credit card that requires the cardholder to provide collateral in the form of a security deposit. The security deposit serves as a guarantee for the credit card company that the cardholder will repay any debts owed on the card. The amount of the security deposit typically ranges from Rs.2,000 to Rs.3,000, and the credit limit of the card is usually equal to or slightly less than the amount of the security deposit.   Secured credit cards are designed for consumers who have a limited or damaged credit histor
Read more