High Reward Premium Cards – Tried, Tested & Made for Premium Experiences
Experience Elite Benefits That Go Beyond Basics
Looking for a card that offers more than cashback? Our top-rated High Reward Premium Cards are selected for users who seek luxury, travel perks, and elevated lifestyle rewards — all while getting excellent value from a ₹1000+ annual fee.
These cards aren’t just about showing off — they deliver real premium benefits that make them worth every rupee spent.
Complimentary access to airport lounges (domestic & international)
Accelerated reward points on travel, dining, and online spends
Welcome bonuses, milestone rewards & exclusive lifestyle privileges
Free hotel stays, concierge services, dining memberships & more
Annual fee waiver on hitting spend thresholds
Explore top picks like AU Bank Vetta, Axis Atlas, SBI Card ELITE, HDFC Regalia Gold, and YES Bank Reserve — cards designed for different types of high-value users.
Earn 5X–10X rewards on select categories
Enjoy global lounge access with Priority Pass or Visa/Mastercard programs
Get international travel insurance & concierge service
EMI, UPI & contactless compatibility on select cards
Designed for high-spending salaried & self-employed users
Ready to step into the premium league? Use our comparison tool to find your perfect high-reward card now.
AU Bank Vetta Credit Card
★★★★☆ (4.2/5)
Ideal for frequent travelers and premium lifestyle users
Benefits:
4 Complimentary Airport Lounge Access/Quarter (Domestic & International)
₹2,000 Worth Welcome Vouchers
Milestone Benefits up to ₹10,000/year
Buy 1 Get 1 Movie Offer (up to ₹250/month)
Fuel Surcharge Waiver up to ₹250/month
Eligibility:
Minimum ₹50,000/month income
Recommended Credit Score 750+
Fees:
₹2,999 Annual Fee (waived on ₹1.5 lakh annual spend)
₹2,999 Joining Fee (waived on ₹40,000 spend in 90 days)
Late Payment Fee up to ₹700 approx
Axis Bank Atlas Credit Card
★★★★☆ (4.5/5)
Ideal for frequent travelers and high spenders
Benefits:
5 EDGE Miles/₹100 on travel spends, 2 EDGE Miles/₹100 on other spends
Complimentary domestic & international lounge access
Milestone benefits up to 5,000 EDGE Miles
1% fuel surcharge waiver (₹400–₹4,000 transactions)
Eligibility:
Salaried individuals with ₹1L/month income, Credit Score 750+
Fees:
₹12,500 Annual Fee (waived on ₹25L spend/year), Late Fee ₹100–₹1,300
HDFC Bank Millennia Credit Card
★★★★☆ (4/5)
*Ideal for online shoppers & frequent spenders
Benefits:
5% Cashback on Amazon, Flipkart, Swiggy, Zomato
1% Cashback on all other spends
8 Complimentary Lounge Access (per year)
₹1,000 Welcome Benefit
EMI & SmartBuy Offers
Eligibility:
₹25,000/month income, Credit Score 750+
Fees:
₹1,000 Annual Fee (waived on ₹1L annual spend), ₹500 Late Payment Fee approx.
HDFC Bank Regalia Credit Card
★★★★☆ (4.2/5)
Best for frequent flyers and premium lifestyle users
Benefits:
4 Reward Points per ₹150 spent
Free access to domestic & international lounges
Milestone rewards up to 15,000 points/year
Low 2% forex markup
Travel insurance & lifestyle privileges
Eligibility:
Salaried: ₹1.5L/month; Self-employed: ITR > ₹18L/year
Fees:
₹2,500 Annual Fee (waived on ₹3L spend), Late Fee ₹100–₹1,300
HDFC Bank Diners Credit Card
★★★★☆ (4.2/5)
Best for frequent flyers and premium lifestyle users
Benefits:
4 Reward Points per ₹150 spent
Free access to domestic & international lounges
Milestone rewards up to 15,000 points/year
Low 2% forex markup
Travel insurance & lifestyle privileges
Eligibility:
Salaried: ₹1.5L/month; Self-employed: ITR > ₹18L/year
Fees:
₹2,500 Annual Fee (waived on ₹3L spend), Late Fee ₹100–₹1,300
HDFC Bank Infinia Credit Card
★★★★☆ (4.2/5)
Best for frequent flyers and premium lifestyle users
Benefits:
4 Reward Points per ₹150 spent
Free access to domestic & international lounges
Milestone rewards up to 15,000 points/year
Low 2% forex markup
Travel insurance & lifestyle privileges
Eligibility:
Salaried: ₹1.5L/month; Self-employed: ITR > ₹18L/year
Fees:
₹2,500 Annual Fee (waived on ₹3L spend), Late Fee ₹100–₹1,300
ICICI Bank Make My Trip Credit Card
★★★★☆ (4.5/5)
Best for frequent travelers booking via MakeMyTrip
Benefits:
₹1,000 MakeMyTrip voucher on joining
Up to 6% myCash on MakeMyTrip bookings
1% myCash on other retail spends
8 domestic and 1 international lounge access per year
MMTBLACK Gold membership
0.99% forex markup
Buy 1 Get 1 movie ticket offer (up to ₹150, twice a month)
3 months no-cost EMI on MakeMyTrip bookings
Eligibility:
Indian resident with a stable income
Good credit history
Fees:
Joining fee ₹999 + GST
Annual fee ₹999 + GST (waived on ₹3L annual spend)
HDFC Bank Swiggy Credit Card
★★★★☆ (4.2/5)
Best for frequent flyers and premium lifestyle users
Benefits:
4 Reward Points per ₹150 spent
Free access to domestic & international lounges
Milestone rewards up to 15,000 points/year
Low 2% forex markup
Travel insurance & lifestyle privileges
Eligibility:
Salaried: ₹1.5L/month; Self-employed: ITR > ₹18L/year
Fees:
₹2,500 Annual Fee (waived on ₹3L spend), Late Fee ₹100–₹1,300
HDFC Bank MMT Credit Card
★★★★☆ (4.2/5)
Best for frequent flyers and premium lifestyle users
Benefits:
4 Reward Points per ₹150 spent
Free access to domestic & international lounges
Milestone rewards up to 15,000 points/year
Low 2% forex markup
Travel insurance & lifestyle privileges
Eligibility:
Salaried: ₹1.5L/month; Self-employed: ITR > ₹18L/year
Fees:
₹2,500 Annual Fee (waived on ₹3L spend), Late Fee ₹100–₹1,300
IDFC First Bank Ashva Credit Card
★★★★☆ (4.2/5)
Best for travelers & lifestyle users
Benefits:
₹500 cashback on 4 transactions
5X rewards up to ₹20K/month, 10X on higher spends & birthdays
4 domestic + 2 international lounge visits/quarter
Golf perks & 1% forex markup
Movie discount & hotel booking offers
Eligibility:
Select customers, bank approval required
Fees:
Joining ₹2,999 + GST
Annual ₹2,999 + GST (waived on ₹8L spend)
HDFC Bank Indian Oil Credit Card
★★★★☆ (4.2/5)
Best for frequent flyers and premium lifestyle users
Benefits:
4 Reward Points per ₹150 spent
Free access to domestic & international lounges
Milestone rewards up to 15,000 points/year
Low 2% forex markup
Travel insurance & lifestyle privileges
Eligibility:
Salaried: ₹1.5L/month; Self-employed: ITR > ₹18L/year
Fees:
₹2,500 Annual Fee (waived on ₹3L spend), Late Fee ₹100–₹1,300
HDFC Bank Multi Forex Credit Card
★★★★☆ (4.2/5)
Best for frequent flyers and premium lifestyle users
Benefits:
4 Reward Points per ₹150 spent
Free access to domestic & international lounges
Milestone rewards up to 15,000 points/year
Low 2% forex markup
Travel insurance & lifestyle privileges
Eligibility:
Salaried: ₹1.5L/month; Self-employed: ITR > ₹18L/year
Fees:
₹2,500 Annual Fee (waived on ₹3L spend), Late Fee ₹100–₹1,300
HDFC Bank IRCTC Credit Card
★★★★☆ (4.2/5)
Best for frequent flyers and premium lifestyle users
Benefits:
4 Reward Points per ₹150 spent
Free access to domestic & international lounges
Milestone rewards up to 15,000 points/year
Low 2% forex markup
Travel insurance & lifestyle privileges
Eligibility:
Salaried: ₹1.5L/month; Self-employed: ITR > ₹18L/year
Fees:
₹2,500 Annual Fee (waived on ₹3L spend), Late Fee ₹100–₹1,300
HDFC Bank Marriott Bonvoy Credit Card
★★★★☆ (4.2/5)
Best for frequent flyers and premium lifestyle users
Benefits:
Silver Elite Status + 1 Free Night Award (worth 15K pts)
8 pts/₹150 at Marriott hotels, 4 pts on travel/dining
Lounge access: 12 domestic + 12 international/year
Milestone bonus up to 10,000 pts
Eligibility:
Salaried: ₹1,00,000 per month
Self-employed: ITR above ₹15,00,000 per year
Fees:
₹3,000 annual fee + GST
Interest: 3.6% per month
Late payment fee: ₹100–₹1,300 (based on due amount)
ICICI Bank Saphiro Forex Prepaid Credit Card
★★★★☆ (4.5/5)
Ideal for premium international travelers seeking exclusive benefits
Benefits:
Zero mark-up fee on cross-currency transactions
5% cashback on airline & hotel bookings online (max ₹3,000/month)
2 complimentary international lounge accesses per year
₹1,000 Uber e-Gift Card
International Student Identity Card (ISIC) membership worth ₹999
Card Protection Plus insurance worth ₹1,600
Eligibility:
Valid passport required
A2 Form and PAN card necessary
Fees:
Joining fee ₹2,999 + GST
Annual fee Nil
Reload fee ₹100 per transaction
ICICI Bank Expressions Forex Credit Card
★★★★☆ (4.5/5)
Ideal for premium international travelers
Benefits:
Personalized card design
₹15,000 joining benefits
Zero cross-currency markup
5% cashback on airline & hotel bookings (max ₹3,000/month)
2 free international lounge accesses/year
₹1,000 Uber e-Gift Card
ISIC membership worth ₹999
Card Protection Plus insurance worth ₹1,600
Eligibility:
Valid passport required
A2 Form and PAN card necessary
Fees:
Joining fee ₹2,999 + GST
Annual fee Nil
Reload fee ₹100 per transaction
ICICI Bank Times Black Credit Card
★★★★★ (5/5)
Best for ultra-premium lifestyle and travel perks
Benefits:
₹10K EaseMyTrip voucher + ₹10K visa benefit
Zomato Gold, Quorum Club, Klook & Ayatana perks
Luxury gift cards (Toni&Guy, Tata CLiQ, Interflora)
Unlimited airport lounge access
2.5X rewards on international, 2X on domestic spends
Eligibility:
Invite-only for high-income individuals
Fees:
Joining fee ₹20,000 + GST
Annual fee ₹20,000 + GST (waived on ₹25L spend)
IndusInd Bank Legend Credit Card
★★★★☆ 40/5
Best for weekend spenders wanting luxury perks without annual fees
Benefits:
₹0 annual fee
2x rewards on weekends 1x on weekdays
4000 bonus points on ₹6L annual spend
1% fuel surcharge waiver
1.8% forex markup
Buy 1 get 1 free movies (₹200/month)
Concierge and auto-assist services
Contactless chip card
Lifetime free card
Eligibility:
Age 21 to 65 years with minimum monthly income ₹20000
For salaried or self-employed with good credit score
Fees:
Joining fee ₹9999 one-time
Annual fee ₹0 with interest and late payment fees applicable
IndusInd Bank Easy Diner Credit Card
★★★★☆ (4.5/5)
Best for frequent diners wanting max discounts
Benefits:
₹0 joining & annual fee
12-month EazyDiner Prime membership
2,000 bonus EazyPoints + ₹5,000 hotel voucher
10x rewards dining/shopping, 4x on others
3x EazyPoints on app bookings
25% off ₹1,000 dining via PayEazy
2 airport lounges quarterly + 2 movie tickets/month
1% fuel surcharge waiver
Unauthorized transaction insurance
Eligibility:
Age 18–65, Indian resident
Salaried/self-employed with good credit score
Fees:
Joining & annual fee ₹1,999 each
Interest & late payment fees applicable
Axis Bank Club Vistara Credit Card
★★★★☆ (4.3/5)
Ideal for frequent flyers with Vistara
Benefits:
1 complimentary Vistara economy ticket as welcome benefit
3 Club Vistara Points/₹200 spent
Milestone benefits up to 3 complimentary tickets/year
Complimentary lounge access
Eligibility:
Salaried individuals with ₹50,000/month income, Credit Score 750+
Fees:
₹1,500 Joining Fee, ₹1,500 Annual Fee, Late Fee ₹100–₹1,300
Axis Bank Select Credit Card
★★★★☆ (4.2/5)
Ideal for premium lifestyle users
Benefits:
10 EDGE Reward Points/₹200 spent
Complimentary lounge access
Milestone benefits up to 5,000 EDGE Points
1% fuel surcharge waiver (₹400–₹4,000 transactions)
Eligibility:
Salaried individuals with ₹50,000/month income, Credit Score 750+
Fees:
₹3,000 Joining Fee, ₹3,000 Annual Fee (waived on ₹6L spend/year), Late Fee ₹100–₹1,300
Benefits:
6 EDGE Miles per ₹150 spent at IOCL fuel outlets (up to ₹15,000/month)
2 EDGE Miles per ₹150 on grocery/supermarket spends (up to ₹5,000/month)
1 EDGE Mile per ₹150 on other spends
1% unlimited fuel surcharge waiver
8 complimentary domestic lounge visits/year (2 per quarter)
30% off on Zomato orders (max ₹150/order, twice/month)
500 EDGE Miles as welcome benefit on first transaction within 30 days
EDGE Miles redeemable for fuel or transfer to 15+ airline/hotel partners
Eligibility:
₹25,000/month income, Credit Score 750+
Fees:
₹1,000 Joining & Annual Fee (waived on ₹1L spend/year), Late Fee ₹100–₹1,300
SBI Elite Credit Card
★★★★☆ (4.5/5)
Best for premium users seeking luxury travel and lifestyle benefits
Benefits:
₹5,000 welcome e-gift voucher, free movie tickets worth ₹6,000/year, up to 50,000 bonus Reward Points annually, complimentary domestic & international lounge access, lowest forex markup of 1.99%
Eligibility
₹25,000/month income, Credit Score 750+
Fees
₹4,999 Annual Fee (waived on ₹10L spend/year), ₹500 Late Payment Fee approx
SBI Forex Travel Credit Card
★★★★☆ (4.5/5)
Ideal for high online spenders seeking straightforward cashback rewards
Benefits:
5% cashback on all online spends (excluding specific categories)
1% cashback on offline spends
1% fuel surcharge waiver on transactions between ₹500–₹3,000 (max ₹100/month)
Auto-credit of cashback within 2 days of statement generation
Contactless payments enabled
Worldwide acceptance at over 24 million outlets
Add-on cards available for family members above 18 years
Cash withdrawal from over 1 million VISA ATMs globally
Eligibility
Minimum ₹25,000/month income, Credit Score 750+
Fees
₹999 Joining & Annual Fee (waived on ₹2L spend/year), Late Fee ₹100–₹1,300
SBI BPCL Octane Credit Card
★★★★☆ (4.5/5)
Best suited for high fuel spenders seeking premium rewards and benefits
Benefits:
6.25% value back on fuel purchases at BPCL petrol pumps (25X Reward Points: 5.25% + 1% fuel surcharge waiver)
Instant redemption of Reward Points at select BPCL petrol pumps
1% fuel surcharge waiver on transactions up to ₹4,000 (max ₹100/month)
Welcome gift of 6,000 Reward Points on payment of joining fee
Complimentary Fraud Liability Cover of ₹1 lakh
Reward Points redeemable for fuel or merchandise from the Shop & Smile Rewards Catalogue
Eligibility
Minimum ₹25,000/month income, Credit Score 750+
Fees
₹1,499 Joining & Annual Fee (waived on ₹2L spend/year), Late Fee ₹100–₹1,300
High Reward Premium Cards – Maximum Benefits for the Power Spender
Looking to get more from your credit card?
Premium cards aren’t just about high fees — they’re about high returns. These are the cards that offer superior rewards, elite lifestyle benefits, and unmatched travel perks for those who spend more and expect more.
This section features premium credit cards (₹1000+ annual fee) trusted by power users across India — handpicked for their value-packed rewards and elite experiences.
Why These Premium Picks Stand Out
Accelerated Rewards & Cashback
Enjoy higher reward points or cashback on travel, dining, online shopping, fuel, and more — designed for high spenders.
Premium Travel Benefits
Get complimentary airport lounge access (domestic & international), priority check-ins, low forex markup, and even free flight tickets on select cards.
Luxury Lifestyle Perks
Enjoy dining discounts, golf privileges, concierge services, and exclusive partner offers that upgrade your everyday experience.
Smart Fee Justification
Most cards offer spend-based fee waivers or return value in benefits worth 5X the annual fee.
Robust UPI + EMI Support
These premium cards also come with EMI conversion, contactless payments, and UPI support (for select issuers).
Who Picks These?
- High-income salaried professionals
- Business owners & freelancers
- Frequent flyers & luxury travelers
- Individuals with monthly spends above ₹25,000
- Users looking to upgrade from entry-level cards
Go Premium. Get Rewarded.
CardMela helps you find the best-performing premium cards in one place — sorted by rewards, benefits, and ease of application.
Compare top picks side-by-side, read real reviews, and apply directly — no confusion, no hidden charges.
Power spending deserves power rewards.
Explore premium cards. Choose smarter. Apply now.