Best Benefits Rating
Cards with the highest benefits component rating (18% of overall score). Ranked by lounge access, insurance, lifestyle perks, and premium services.
144 cards ranked | Updated December 2025
Key Ranking Factors
Airport lounge visits and networks
Golf, spa, dining, transfers
Travel and accident coverage
Concierge and priority support
5.0 ★
HDFC Diners Club Black Metal Edition
5.0 ★
American Express Centurion
5.0 ★
Priority Visa Infinite
5.0 ★
BOBCARD Eterna Credit Card
5.0 ★
HDFC Infinia Metal Edition
4.9 ★
4.9 ★
American Express Platinum
4.9 ★
YES Private
4.9 ★
HDFC BizBlack
4.8 ★
Emirates Skywards ICICI Emeralde
4.8 ★
Premier Mastercard
4.8 ★
ICICI Emeralde
4.8 ★
4.8 ★
4.8 ★
4.7 ★
Axis Bank Burgundy Private
4.7 ★
4.6 ★
IDFC FIRST Private
4.6 ★
HDFC Diners Club Black
4.5 ★
YES First Exclusive
4.5 ★
AU Ixigo Credit Card
4.5 ★
Tiger Credit Card
4.5 ★
HDFC Regalia
4.5 ★
Axis Bank Reserve
4.4 ★
Emirates World Credit Card
4.4 ★
PNB Rakshak Plus RuPay Select
4.4 ★
HDFC Regalia Gold
4.4 ★
Avios Visa Infinite (British Airways)
4.4 ★
Axis Magnus
4.3 ★
PNB RuPay Select Credit Card
4.3 ★
Canara Bank RuPay Select Credit Card
4.3 ★
PNB Pride RuPay Platinum
4.3 ★
Times Black ICICI Bank
4.2 ★
Canara Bank Mastercard World Credit Card
4.2 ★
Federal Bank Scapia
4.1 ★
American Express Platinum Charge
4.1 ★
Axis Bank Vistara Infinite
4.1 ★
Union Bank RuPay Select Credit Card
4.1 ★
4.1 ★
FIRST Wealth
4.0 ★
Mastercard Celesta
4.0 ★
Visa Celesta
4.0 ★
Platinum RuPay
4.0 ★
3.9 ★
3.8 ★
Zomato Edition Black
3.5 ★
Air India SBI Signature
3.1 ★
Understanding Benefits Ratings
The benefits rating measures non-monetary perks that add value beyond rewards. This includes airport lounge access, insurance coverage, lifestyle benefits like golf and spa access, and premium services like 24x7 concierge.
Benefits contribute 18% to our overall rating. Premium cards naturally score higher here, but we factor in whether these benefits justify their cost through our Value for Money rating.
How We Calculate Benefits Rating
- Lounge Access (40%): Number of visits, domestic vs international, Priority Pass inclusion
- Lifestyle Perks (30%): Golf, spa, dining discounts, airport transfers, meet & greet
- Insurance Coverage (20%): Travel insurance, accident coverage, purchase protection
- Travel Benefits (10%): Travel desk services, booking perks, travel credits
Cards with 24x7 concierge get a +0.2 bonus; priority customer care adds +0.1.
Lounge Network
Domestic + InternationalPerk Variety
Breadth of benefitsInsurance Quality
Coverage amountsService Level
Concierge availabilityWhat Makes Great Benefits
- Usable lounge access: Domestic lounges matter for frequent flyers; Priority Pass adds international coverage
- Relevant lifestyle perks: Golf memberships are worthless if you don't play
- Comprehensive insurance: Emergency medical coverage abroad is genuinely valuable
- Quality concierge: Good concierge services can save time and unlock exclusive access
Who Should Prioritize Benefits
Benefits-focused cards suit:
- Frequent travelers who'll use lounge access regularly
- Premium lifestyle seekers who value golf, spa, and dining perks
- International travelers needing travel insurance and global acceptance
- Those who value service and want priority support and concierge
Maximizing Your Benefits
- Calculate lounge value: If you fly 10+ times yearly, unlimited domestic lounge access saves ₹15,000+
- Use all perks: Many cardholders forget about spa credits, golf rounds, and travel credits
- Understand insurance: Read policy details—coverage amounts and exclusions vary significantly
- Stack benefits: Combine card perks with airline/hotel loyalty programs for maximum value
Benefits Rating FAQ
Are premium card benefits worth the high annual fees?
It depends on usage. A ₹10,000 fee card offering unlimited lounge access, ₹5,000 in lifestyle credits, and comprehensive insurance can easily deliver ₹25,000+ in value to someone who uses these benefits. For others, it's wasted money.
What's Priority Pass and why does it matter?
Priority Pass is the world's largest airport lounge network with 1,300+ lounges globally. International travelers value it highly because domestic lounge programs don't work abroad. Cards with Priority Pass score significantly higher in our rankings.
Bottom Line
Benefits matter most for frequent travelers and those who'll actively use lifestyle perks. Don't pay for premium benefits you won't use—our Value for Money rating helps identify cards where benefits justify their cost.