Premium Credit Cards – Elite Benefits for High Achievers
Unlock the Power of India’s Most Exclusive Credit Cards
Have a taste for luxury and high-end experiences? Whether you’re a frequent flyer, a five-star diner, or someone who expects the best in every transaction — CardMela.com brings you a carefully curated list of Premium Credit Cards that offer exceptional privileges, high reward potential, and unmatched lifestyle perks.
These cards are handpicked not just for their premium branding — but for their consistent value, elite experiences, and high-income suitability.
Enjoy next-level benefits like airport lounge access (domestic + international), concierge services, golf privileges, premium cashback/reward accelerators, and much more — all designed to match your elevated lifestyle.
Explore top picks like the HDFC Infinia, Axis Bank Select, SBI Elite, ICICI Times Black and IDFC Ashva — each built for high-spenders and high-earners who want more than just plastic in their wallet.
These cards also come with exclusive perks like:
- Unlimited domestic & international lounge access
- Concierge services for travel, dining, and gifting
- 24×7 priority customer care and travel insurance covers
- High reward rates on premium spends — flights, hotels, dining
- Milestone-based vouchers, memberships, and upgrades
- Premium UPI-enabled, metal card, or invitation-only variants
Ready to experience the finer side of credit? Use our comparison tool to explore the most luxurious cards, check annual fee vs benefits, and apply for the one that suits your lifestyle — only on CardMela.com.ur comparison tool to check features, annual fees, eligibility, and apply for your favourite card today — only on CardMela.com.
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
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 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)
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)
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
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
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
Most Exclusive. Most Rewarding. Most Prestige-Packed.
Seeking more than just rewards? Start with the cards that are trusted by India’s high-income users and luxury spenders — designed to deliver premium privileges, elite experiences, and seamless service.
This page features the most preferred premium credit cards on CardMela, handpicked for their lifestyle value, elevated benefits, and suitability for top-tier earners.
Why These Are Favourites for Luxury Users
Unmatched Lifestyle Rewards
Get premium benefits on travel, fine dining, luxury shopping, wellness, and entertainment.
Elite Privileges
Access to international lounges, golf courses, concierge assistance, hotel upgrades, and more.
Tailored for High Spenders
Generous credit limits, high reward rates, and milestone gifts that scale with your lifestyle.
World-Class Support
24×7 priority helplines, zero wait redressals, and fast-track travel services.
Who Picks These Cards?
CXOs, entrepreneurs, and top-tier professionals
Frequent international travellers
Luxury shoppers and golf enthusiasts
Users with ₹1L+ monthly spends
Those seeking maximum lifestyle leverage from their card
Your Premium Life Deserves a Premium Card
CardMela helps you compare the most elite credit cards, filter by high-end benefits and experiences, and apply for the one that fits your exclusive lifestyle.
Live large. Travel smarter. Dine finer.
Choose prestige. Apply now.