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Best Premium in India 2026

Compare the best premium in India. 2 cards ranked by our experts.

Showing 2 cards

Best for: High-net-worth individuals seeking unlimited lounge access, 3.33% rewards on travel, comprehensive insurance, and premium golf benefits. Ideal for Rs. 10+ lakh annual spenders.
HDFC Infinia Metal Edition

HDFC Infinia Metal Edition

3.1 CardNitty rating
APPLY NOW on HDFC Bank's website

Annual fee

₹12,500

#7

Rewards rate

₹3.33 - ₹19.16/₹100

#1

Joining fee

₹12,500

#7

Interest rate

23.88%

#1
Card details
Forex Markup
2.00% #1
Domestic Lounge
Unlimited #1
International Lounge
Unlimited #1
Min Credit Score
750+ #1
Categories Lounge Access, Premium
View full details
CardNitty's take

Pros

  • Industry-leading 3.33% reward rate with 1:1 value on SmartBuy
  • Unlimited global lounge access via Priority Pass
  • Rs. 3 Cr air accident + Rs. 50 lakh medical insurance
  • Lowest forex markup at 2% among premium cards
  • Unlimited golf games and lessons worldwide
  • No reward redemption or cash advance fee

Cons

  • Strictly invite-only - no direct application
  • Rs. 12,500 annual fee (waived at Rs. 10L spend)
  • Monthly caps on SmartBuy rewards (15,000 points)
  • No rewards on fuel, rent, government transactions
Read full review
Best for: High-net-worth individuals seeking luxury travel benefits, unlimited lounge access, premium dining experiences, and a high 3% reward rate with excellent redemption options.
ICICI Bank Emeralde Private Metal Credit Card

ICICI Bank Emeralde Private Metal Credit Card

3.7 CardNitty rating
APPLY NOW on ICICI Bank's website

Annual fee

₹12,499

#6

Rewards rate

₹3.00 - ₹5.50/₹100

#2

Joining fee

₹12,499

#6

Interest rate

45.00%

#3
Card details
Forex Markup
2.00% #1
Domestic Lounge
Unlimited #1
International Lounge
Unlimited #1
Categories Lounge Access, Premium
View full details
CardNitty's take

Pros

  • 3% reward rate with 1 RP = Rs. 1 redemption value
  • Unlimited domestic and international lounge access
  • Unlimited complimentary golf rounds worldwide
  • Taj Epicure Plus and EazyDiner Prime memberships
  • Zero late payment charges
  • Rs. 3 Crore Air Accident Insurance

Cons

  • High annual fee of Rs. 12,499 + GST
  • Invite-only - not available for direct application
  • Limited transfer partner (only Air India Maharaja Club)
  • Rs. 3,500 card replacement fee for metal card
Read full review

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