Super-premium credit cards in India are designed for high-net-worth individuals (HNIs) who seek exclusive privileges such as luxury travel benefits, high reward rates, and premium lifestyle perks.
These cards offer unlimited airport lounge access, complimentary golf rounds, concierge services, and low foreign currency markup fees. However, they come with high annual fees and stringent eligibility criteria, making them suitable only for individuals with high spending capacity.
Below is a list of the best super-premium credit cards offered by various banks in India, specifically designed for High Net-Worth Individuals (HNIs).
| Credit Card | Annual Fee (Excluding Taxes) | Features |
|---|---|---|
| HDFC Bank Infinia Credit Card Metal Edition | ₹12,500 | Unlimited lounge access worldwide, free golf games, lucrative rewards program |
| SBI Aurum Credit Card | ₹10,000 | Unlimited international lounge access, 4 domestic lounge visits every quarter, 1 domestic airport spa access every quarter |
| Axis Reserve Credit Card | ₹50,000 | 4 luxury airport pick-up and drop-offs per year, unlimited domestic lounge access, double rewards on international spends |
| Diners Club Black Credit Card | ₹10,000 | 5 reward points per ₹150 spent, 10X reward points on partner brands, 2X rewards on weekend dining |
| IndusInd Bank Legend Credit Card | No Fee | Excellent rewards program, Priority Pass membership |
| Citi Prestige Credit Card | ₹20,000 | Privileged golf sessions, option to convert reward points to air miles |
| Standard Chartered Visa Infinite Credit Card | No Fee | 5X rewards on international spends, 4 complimentary domestic airport lounge accesses |
Most major banks in India offer at least one super-premium credit card designed for high-net-worth individuals (HNIs). These cards provide extensive benefits across various categories, but they come with high annual fees.
3 Key Facts About Super Premium Credit Cards
Compared to regular credit cards, super-premium credit cards offer exclusive perks and privileges.
Not everyone is eligible for a super-premium credit card.
These credit cards charge a high annual fee, typically between ₹10,000 to ₹20,000, sometimes even exceeding ₹50,000.
HDFC Bank Infinia Credit Card Metal Edition
- Best For: Rewards, lounge access, and air miles
- Annual Fee:
- Before October 18, 2021: ₹10,000 + Tax (waived on annual spending of ₹8 lakh or more)
- Metal Edition: ₹12,500 + Tax (waived on annual spending of ₹10 lakh or more)
- Eligibility: Invitation-only
Benefits:
- Free Priority Pass membership with unlimited international lounge access
- Low foreign currency markup fee of 2% (plus GST)
- Unlimited free golf games at select courses in India and abroad
- 1-year Club Marriott membership with up to 20% discounts on dining and stays
- 5 reward points per ₹150 spent (excluding fuel)
- 10X rewards on HDFC SmartBuy travel and shopping spends, 2X rewards on dining
- ₹3 crore air accident cover, ₹50 lakh medical emergency cover, ₹9 lakh credit shield cover
- Complimentary membership to premium restaurant dining programs
- 1% fuel surcharge waiver on transactions between ₹400 and ₹1 lakh
SBI Aurum Credit Card
- Best For: Travel and rewards
- Annual Fee: ₹10,000 (waived on spending ₹12 lakh or more per year)
- Eligibility: Invitation-only
Benefits:
- Welcome Benefit: 40,000 reward points worth ₹10,000
- Milestone Benefits: ₹1 lakh monthly spend earns a ₹1,500 Tata Cliq voucher, ₹5 lakh annual spend earns a ₹5,000 LUXE voucher, ₹10 lakh annual spend earns a ₹10,000 Taj voucher
- Earn 4 reward points per ₹100 spent
- Rewards can be redeemed for flights, hotel bookings, and e-gift vouchers
- ₹1,000 worth of free movie tickets per month (max 2 tickets per transaction)
- Lounge Access: 4 domestic lounge visits per quarter and unlimited international lounge access
- 1 domestic airport spa visit per quarter
- Low 1.99% foreign currency markup fee
- Flight ticket cancellation coverage up to ₹3,500 for refundable tickets and ₹3,000 for non-refundable tickets
Axis Reserve Credit Card
- Best For: Travel and lifestyle
- Annual Fee: ₹50,000 (waived on ₹25 lakh annual spend)
- Eligibility: Invitation-only
Benefits:
- 4 complimentary airport pick-up and drop-offs per year
- Unlimited domestic and international lounge access (Priority Pass membership)
- Club Marriott Asia Pacific membership with 20% discount on dining and stays
- 15% savings at Postcard Hotels
- 50 golf rounds per year at premium golf courses in India
- BookMyShow Offers: Buy 1, get 1 free movie ticket (up to 5 times per month), ₹500 off on a second ticket, ₹1,000 off on non-movie tickets
- EazyDiner Prime Membership with up to 25% savings at premium restaurants
- Earn 15 Axis Reserve reward points per ₹200 spent, double rewards on international spends
- Low 1.5% foreign currency markup fee
- No cash withdrawal charges
- Fuel surcharge waiver: 1% on transactions between ₹400 and ₹4,000
- ₹4.5 crore air accident insurance coverage
HDFC Diners Club Black Credit Card
- Best For: Rewards and international travel
- Annual Fee: ₹10,000
- Eligibility: Monthly income of ₹1.75 lakh (salaried) or ₹21 lakh annual ITR (self-employed)
Benefits:
Earn 5 reward points per ₹150 spent
10X rewards on partner brands, 2X rewards on weekend dining
Unlimited international lounge access with Diners Club membership
₹2 crore travel accident insurance, ₹50 lakh medical emergency insurance
Low 1.99% foreign currency markup fee
1% fuel surcharge waiver
Conclusion
Super-premium credit cards offer exclusive travel, lifestyle, and rewards benefits tailored for high-net-worth individuals. However, they also come with high annual fees and strict eligibility criteria. Before choosing a super-premium card, ensure it aligns with your spending habits to maximize its benefits.
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