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Best Premium in India 2026

Compare the best premium in India. 13 cards ranked by our experts.

Showing 13 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

#84

Rewards rate

₹3.33 - ₹19.16/₹100

#1

Joining fee

₹12,500

#83

Interest rate

23.88%

#1
Card details
Forex Markup
2.00% #7
Domestic Lounge
Unlimited #1
International Lounge
Unlimited #1
Min Credit Score
750+ #50
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: Frequent travellers who value unlimited lounge access, high reward rates via SmartBuy, and premium lifestyle benefits including golf and complimentary subscriptions.
HDFC Diners Club Black

HDFC Diners Club Black

3.7 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹10,000

#80

Rewards rate

₹1.67 - ₹10.84/₹100

#6

Joining fee

₹10,000

#78

Interest rate

23.88%

#1
Card details
Forex Markup
2.00% #7
Domestic Lounge
Unlimited #1
International Lounge
Unlimited #1
Min Credit Score
750+ #50
Categories Dining, Lifestyle, Lounge Access, Premium, Rewards, Shopping, Travel
View full details
CardNitty's take

Pros

  • Unlimited domestic and international airport lounge access
  • 10X reward points on SmartBuy portal with Rs. 1/point value
  • Complimentary memberships: Amazon Prime, Club Marriott, Times Prime, MMT Black
  • 6 complimentary golf games per quarter worldwide
  • Rs. 2 crore air accident cover and Rs. 50 lakh emergency medical
  • Low forex markup of 2% + GST

Cons

  • High annual fee of Rs. 10,000 + GST
  • Limited Diners Club network acceptance in some countries
  • Reward points capped on utility, grocery, and insurance categories
  • No reward points on fuel, wallets, rent, and EMI
Read full review
Best for: Frequent travelers, dining enthusiasts, and high spenders looking for 3.33% base reward rate, unlimited lounge access, and complimentary golf.
HDFC Diners Club Black Metal Edition

HDFC Diners Club Black Metal Edition

3.6 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹10,000

#80

Rewards rate

₹3.33/₹100

#1

Joining fee

₹10,000

#78

Interest rate

23.88%

#1
Card details
Forex Markup
2.00% #7
Domestic Lounge
Unlimited #1
International Lounge
Unlimited #1
Min Credit Score
750+ #50
Categories Dining, Lifestyle, Lounge Access, Premium, Rewards, Travel
View full details
CardNitty's take

Pros

  • Excellent 3.33% base reward rate on all spends
  • Unlimited airport lounge access for primary and add-on cardholders
  • 10X reward points on SmartBuy hotel bookings
  • 6 complimentary golf games per quarter
  • Rs 2 crore air accident insurance
  • 24x7 global concierge service
  • Reward points worth Rs 1 each on SmartBuy

Cons

  • Diners Club network has limited offline acceptance in India
  • No fuel surcharge waiver on the Metal Edition
  • High annual fee of Rs 10,000 + GST
  • Renewal fee waiver requires Rs 8 lakh annual spend
Read full review
Best for: Frequent travelers seeking lounge access, SmartBuy shoppers wanting accelerated rewards, and those who value travel insurance and low forex markup.
HDFC Regalia

HDFC Regalia

3.7 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹2,500

#61

Rewards rate

₹1.33 - ₹7.33/₹100

#7

Joining fee

₹2,500

#59

Interest rate

45.00%

#37
Card details
Forex Markup
2.00% #7
Domestic Lounge
8/year #19
Min Credit Score
730+ #46
Categories Lifestyle, Lounge Access, Premium, Rewards, Travel
View full details
CardNitty's take

Pros

  • Strong 2.67% base reward rate at best redemption
  • Up to 10x accelerated rewards via SmartBuy
  • Rs 1 crore air accident + Rs 15L medical cover
  • 8 domestic + 6 international lounge visits/year
  • Low 2% forex markup
  • Fee waiver on Rs 3L annual spend

Cons

  • Many categories excluded from earning points
  • Points expire after 2 years
  • Domestic lounge requires Rs 1L quarterly spend
  • SmartBuy accelerated rewards capped at 4,000 pts/month
  • Rs 99 redemption fee per request
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

ICICI Bank Emeralde Private Metal

3.6 CardNitty rating
APPLY NOW on ICICI Bank's website

Annual fee

₹12,499

#83

Rewards rate

₹3.00/₹100

#57

Joining fee

₹12,499

#82

Interest rate

45.00%

#37
Card details
Forex Markup
2.00% #7
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
Best for: Frequent diners and grocery shoppers who spend Rs. 5-10 lakh annually and value movie tickets, lounge access, and low forex markup
SBI Card Elite

SBI Card Elite

3.1 CardNitty rating
APPLY NOW on SBI Cards's website

Annual fee

₹4,999

#73

Rewards rate

₹0.50 - ₹1.00/₹100

#63

Joining fee

₹4,999

#71

Interest rate

45.00%

#37
Card details
Forex Markup
1.99% #3
Domestic Lounge
8/year #19
Min Credit Score
750+ #50
Categories Dining, Lifestyle, Lounge Access, Premium, Rewards
View full details
CardNitty's take

Pros

  • Free movie tickets worth Rs. 6,000/year
  • Up to 50,000 bonus milestone points/year worth Rs. 12,500
  • 5X rewards on dining, grocery and departmental stores
  • 6 international + 8 domestic lounge visits/year
  • Low 1.99% forex markup
  • Fee waiver on Rs. 10 lakh spend

Cons

  • Low base reward rate of 0.5%
  • 5X reward points capped at 10,000/month
  • High annual fee of Rs. 4,999
  • Air accident insurance discontinued
  • Reward redemption value only Rs. 0.25/point
Read full review
Best for: Frequent travellers who want airline-agnostic miles with flexible transfer partners and tier-based lounge access.
Axis Bank Atlas

Axis Bank Atlas

3.2 CardNitty rating
APPLY NOW on Axis Bank's website Rates & Fees

Annual fee

₹5,000

#77

Rewards rate

₹2.00/₹100

#32

Joining fee

₹5,000

#75

Interest rate

55.55%

#88
Card details
Forex Markup
3.50% #27
Domestic Lounge
8/year #19
International Lounge
4/year #17
Min Credit Score
750+ #50
Categories Lounge Access, Premium, Rewards, Travel
View full details
CardNitty's take

Pros

  • Excellent 1:2 transfer ratio to 20+ airline and hotel partners
  • 5 EDGE Miles per Rs. 100 on travel (5% return)
  • Tier-based lounge access up to 18 domestic + 12 international
  • Flexible redemption via Travel EDGE Portal at Rs. 1/mile
  • Welcome benefit of 2,500 EDGE Miles worth Rs. 5,000+

Cons

  • High forex markup of 3.5% despite being a travel card
  • No insurance benefits
  • No golf benefits
  • No annual fee waiver option
  • Transfer partner caps (Group A: 30K, Group B: 1.2L per year)
Read full review
Best for: Self-employed business professionals seeking lounge access, reward points on business expenses, and 24x7 concierge services with a manageable annual fee.
HDFC Business Regalia

HDFC Business Regalia

3.2 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹2,500

#61

Rewards rate

₹1.33/₹100

#72

Joining fee

₹2,500

#59

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Domestic Lounge
8/year #19
Min Credit Score
730+ #46
Categories Business, Lifestyle, Lounge Access, Premium, Rewards
View full details
CardNitty's take

Pros

  • Strong reward rate of 4 RPs per Rs. 150 including insurance and utility spends
  • 8 domestic + 6 international lounge visits per year via Priority Pass
  • 24x7 concierge services for travel and entertainment
  • Annual fee waiver on Rs. 3 Lakh spend
  • Milestone bonus of up to 15,000 reward points annually

Cons

  • High forex markup of 3.5% makes it poor for international spending
  • Insurance benefits reportedly discontinued from April 2025
  • Domestic lounge access now requires Rs. 1 Lakh quarterly spend
  • No welcome benefits currently offered
Read full review
Best for: HNIs and frequent travelers who want high rewards across all categories without restrictions, golf enthusiasts, and international travelers seeking low forex markup
Standard Chartered Ultimate

Standard Chartered Ultimate

3.7 CardNitty rating
APPLY NOW on Standard Chartered Bank's website Rates & Fees

Annual fee

₹5,000

#77

Rewards rate

₹2.00 - ₹5.00/₹100

#32

Joining fee

₹5,000

#75

Interest rate

45.00%

#37
Card details
Forex Markup
2.00% #7
Domestic Lounge
16/year #11
Min Credit Score
750+ #50
Categories Lounge Access, Premium, Rewards, Travel
View full details
CardNitty's take

Pros

  • Uncapped 3.33% rewards on most categories
  • 6,000 welcome points worth ₹6,000
  • Low 2% forex markup fee
  • 12 complimentary golf games per year
  • Priority Pass membership
  • Comprehensive travel insurance (₹1Cr air accident)
  • 5% cashback on duty-free purchases

Cons

  • No annual fee waiver option
  • Limited lounge access (4 domestic/quarter, 1 intl/month with spend condition)
  • Reduced 2% rewards on utilities, supermarkets, rent
  • No airline/hotel transfer partners
  • Amazon/Flipkart vouchers not available
  • Redemption fee ₹99 + GST
Read full review
Best for: Business owners with Rs.30L+ ITR who make significant tax/GST payments and want premium travel benefits with unlimited lounge access and 5X rewards.
HDFC Biz Black Metal Edition

HDFC Biz Black Metal Edition

4.1 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹10,000

#80

Rewards rate

₹3.33 - ₹19.16/₹100

#1

Joining fee

₹10,000

#78

Interest rate

23.88%

#1
Card details
Forex Markup
2.00% #7
Domestic Lounge
Unlimited #1
International Lounge
Unlimited #1
Min Credit Score
750+ #50
Categories Business, Lounge Access, Premium, Rewards, Travel
View full details
CardNitty's take

Pros

  • Industry-first 5X rewards on Income Tax and GST payments
  • Unlimited domestic and international lounge access for primary and add-on cardholders
  • 6 complimentary golf games per quarter at 100+ global courses
  • Club Marriott membership with 20% off dining and stays
  • Up to Rs.20,000 in milestone vouchers per calendar year
  • 55-day interest-free credit period
  • Low forex markup of 2% with Global Value Program cashback

Cons

  • Diners Club network has limited acceptance at small merchants
  • Accelerated 5X rewards require minimum Rs.50,000 spend per statement cycle
  • No fuel surcharge waiver offered
  • Business insurance is a paid add-on (not complimentary)
  • High joining fee of Rs.10,000 + GST may deter small businesses
Read full review
Best for: Frequent Taj Hotels guests, luxury travellers, high-net-worth individuals who value premium hotel privileges, exclusive lounge access, and concierge services
HSBC Taj

HSBC Taj

3.2 CardNitty rating
APPLY NOW on HSBC Bank's website Rates & Fees

Annual fee

₹1,10,000

#87

Rewards rate

₹1.01 - ₹3.35/₹100

#51

Joining fee

₹1,10,000

#85

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Domestic Lounge
Unlimited #1
International Lounge
Unlimited #1
Min Credit Score
750+ #50
Categories Co-Branded, Dining, Lounge Access, Premium, Travel
View full details
CardNitty's take

Pros

  • Unlimited global airport lounge access via Priority Pass
  • Complimentary Taj Palace stay and 2 IHCL hotel nights on activation
  • 25% off on stays, dining, spa, and Qmin at Taj properties
  • Exclusive Chambers Lounge and Taj Club Lounge access
  • 4 Blacklane chauffeur-driven airport transfers per year
  • NeuPass Taj InnerCircle Platinum Tier membership
  • BookMyShow BOGO and Starbucks 50% off

Cons

  • Very high joining and annual fee of Rs 1.1 Lakh + GST
  • Base reward rate of 1% is low for the fee bracket
  • Benefits are primarily useful for Taj Hotel guests
  • Forex markup of 3.5% unless you are an HSBC executive banking client
  • Limited to select cities for eligibility
Read full review
Best for: High-net-worth individuals with FUM Rs. 50L+, frequent travelers, golf enthusiasts, premium dining lovers, Priority Banking customers
Standard Chartered Beyond

Standard Chartered Beyond

3.2 CardNitty rating
APPLY NOW on Standard Chartered Bank's website Rates & Fees

Annual fee

₹25,000

#86

Rewards rate

₹2.00 - ₹3.33/₹100

#52

Joining fee

₹15,000

#84

Interest rate

N/A

Card details
Forex Markup
2.00% #7
Domestic Lounge
Unlimited #1
International Lounge
Unlimited #1
Min Credit Score
750+ #50
Categories Dining, Lifestyle, Lounge Access, Premium, Rewards, Travel
View full details
CardNitty's take

Pros

  • Unlimited domestic & international lounge access with 8 guest visits
  • 3.33% reward rate (Rs. 1 per point)
  • Rs. 15,000 welcome vouchers
  • 2 complimentary golf games per month
  • 25% dining discount via EazyDiner
  • BOGO movie tickets on BookMyShow
  • Low 2% forex markup
  • 15% duty-free cashback
  • Rs. 60,000 milestone on Rs. 20L spend

Cons

  • High FUM requirement (Rs. 50L+)
  • High annual fee (Rs. 25,000)
  • Limited to Priority Banking customers
  • Reduced rate on utilities/insurance (2%)
Read full review
Best for: Standard Chartered Priority Banking customers looking for a complimentary premium card with travel benefits, golf privileges, and comprehensive insurance coverage
Standard Chartered Priority Visa Infinite

Standard Chartered Priority Visa Infinite

4.7 CardNitty rating
APPLY NOW on Standard Chartered Bank's website Rates & Fees

Annual fee

FREE

Rewards rate

₹2.00 - ₹5.00/₹100

#32

Joining fee

FREE

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Domestic Lounge
4/year #38
Min Credit Score
730+ #46
Categories Lounge Access, Premium, Rewards, Travel
View full details
CardNitty's take

Pros

  • 24 complimentary lounge visits per year (domestic)
  • 2 golf games + 1 coaching per month
  • ₹1 Crore air accident insurance
  • Lifetime free for Priority Banking
  • 24x7 concierge services
  • Priority Pass membership worth USD 99

Cons

  • High 3.5% forex markup fee
  • Low 2% base reward rate
  • International lounge access requires ₹30L FUM
  • Only for Priority Banking customers
  • 3-year points expiry
  • ₹99 redemption fee
Read full review

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