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.

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