Premium Credit Cards – Live More, Earn More!
Step Into the World of Elite Benefits with the Best Premium Credit Cards in India
Planning your next luxury getaway or making high-value purchases? Whether it’s international travel, fine dining, or lifestyle privileges, CardMela.com brings you a carefully curated list of Top Premium Credit Cards designed to reward your premium lifestyle.
These cards offer far more than just transactions — they unlock experiences. From unlimited airport lounge access and complimentary concierge service to exclusive event invites and 5X reward points, you get luxury, comfort, and high returns on every spend.
These cards also come with added advantages like:
- Travel insurance cover with high international limits and medical benefits
- Accelerated rewards on premium spends including flights, hotels, and dining
- Fee waivers based on annual spending milestones
- Dedicated relationship managers and luxury concierge assistance
Start living the premium way. Use our comparison tool to evaluate features, fees, and benefits — and apply directly on CardMela.CardMela.
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
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
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)
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)
IDFC First Bank Select Credit Card
★★★★☆ (4.5/5)
For premium lifestyle users
Benefits:
₹500 voucher on ₹5,000 spend
5% cashback on 1st EMI
3X points on UPI spends
10X points on ₹20K+ spends & birthdays
1% fuel surcharge waiver
Buy-1-Get-1 movies (2x/month)
4 domestic + 4 railway lounges quarterly
₹10K trip cancellation cover
1% forex markup
Eligibility:
₹12L+ annual income
Indian resident, good credit score
Fees:
Joining ₹0
Annual ₹0
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
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)
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
Experience More, Earn More – Your Ultimate Guide to the Best Premium Credit Cards in India
Looking to elevate your lifestyle? Whether it’s exclusive airport lounges, luxury hotel stays, or concierge services, the right premium credit card can turn every spend into a statement. At CardMela.com, we help you explore, compare, and apply for the Best Premium Credit Cards in India based on your income, lifestyle preferences, and financial goals.
Instead of browsing multiple bank websites, use our platform to discover cards that offer unlimited lounge access, airport pick-up, luxury rewards, concierge service, and milestone-based bonuses — all in one place.
Why Choose a Premium Credit Card?
A premium credit card is more than a spending tool — it’s a lifestyle upgrade. Here’s why top professionals, business owners, and high-income individuals prefer them:
- Unlimited airport lounge access at international and domestic airports.
- Dedicated concierge services for travel bookings, reservations, and events.
- Higher reward points on travel, dining, fuel, and international spends.
- Reduced or zero foreign currency markup charges on global transactions.
- Complimentary stays, upgrades, and offers with top hotel chains and airlines.
- Exclusive privileges like spa sessions, golf access, and health checkups.
Compare. Choose. Live Smart.
At CardMela.com, we provide clear, side-by-side comparisons of premium cards based on:
- Joining and annual renewal fees
- Rewards and redemption programs
- Income eligibility and CIBIL requirements
- Forex markup charges
- Additional privileges and co-branded benefits
Top Premium Credit Cards in India
- HDFC Infinia Credit Card (Metal Edition): Unlimited lounge access, Club Marriott privileges, premium concierge.*
- Axis Bank Select Credit Card: Vistara flight vouchers, high reward value, luxury experiences.*
- SBI Elite Credit Card: Elite travel, luxury hotel access, and exclusive event invites.*
- ICICI Times Black Credit Card: Airport spa sessions, health benefits, and 24×7 concierge.*
- HDFC Bank Diners Credit Card: Premium hotel memberships, lifestyle offers, and accelerated points.*
Who Should Consider a Premium Card?
- High-income salaried professionals (annual income above ₹15 lakh)
- Entrepreneurs with luxury spending needs
- Frequent international or domestic travellers
- Users who prioritize elite lifestyle experiences
- Individuals who want maximum benefits from each spend
Transparent Fees and Eligibility
We offer complete information on:
- Joining and renewal fees
- Waiver criteria based on annual spending
- Income eligibility (salaried and self-employed)
- CIBIL score requirements
- Other important terms and conditions
Maintain a CIBIL score above 750 and stable income proof for smooth application and approval.
Maximize Your Premium Lifestyle
The right card can save you money, offer comfort, and reward your lifestyle. Many smart users pair a premium credit card with a cashback or travel card for optimized benefit.
For example, using Axis Bank Magnus for rewards and lounge access, and HDFC Millennia for shopping cashback is a popular combo.
Why Use CardMela.com?
CardMela is India’s trusted platform for unbiased credit card comparisons. Here’s what you get:
- Real-time card data and updated offers
- Clean interface without any spam or hidden terms
- Direct application links to banks
- Expert-curated recommendations
- Bank-wise and benefit-wise filtering
Final Word
A premium credit card is not just for the elite — it’s for anyone who values benefits, comfort, and smarter financial returns. From high-end privileges to global convenience, a good premium card enhances every aspect of life.
Explore our list of premium credit cards, compare features, and apply online at CardMela.com.