Best Premium Credit Cards in India for 2026

Axis Bank Burgundy Private Credit Card
(0.5/5)
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Axis Bank Burgundy Private Credit Card

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Joining Fee
₹0 + GST
Annual Fee
₹0 + GST
Rewards Type
Reward Points
Best For
Premium

Key Benefits

  • Joining Fee: ₹50,000 + Taxes (Nil for Burgundy Private customers)
  • Annual Fee: ₹50,000 + Taxes (Nil for Burgundy Private customers)
  • Best For: Rewards & Lifestyle Benefits
  • Unlimited lounge access across domestic and international airports

HDFC Infinia Credit Card
(4.9/5)
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HDFC Infinia Credit Card

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Joining Fee
₹12500 + GST
Annual Fee
₹12500 + GST
Rewards Type
Reward Points
Best For
Travel | Reward | Premium

Key Benefits

  • Joining Fee: ₹12,500 + taxes
  • Annual Fee: ₹12,500 + taxes (waived on annual spend of ₹10 lakh)
  • Best For: All-round benefits including rewards, air miles, lounge access, and golf
  • Get 10X reward points on travel and shopping via SmartBuy

  • Unlimited access to 1,000+ airport lounges (via Priority Pass and DreamFolks)
  • 10X rewards on SmartBuy (flights, hotels, shopping, and more)
  • Complimentary Club Marriott membership
  • Low forex markup of 2%
  • Golf games at top courses in India and abroad
  • 24x7 concierge service and emergency card replacement globally
  • Metal card design with premium packaging
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HDFC Diners Club Black Metal Edition Credit Card
(4.0/5)
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HDFC Diners Club Black Metal Edition Credit Card

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Joining Fee
₹10000 + GST
Annual Fee
₹10000 + GST
Rewards Type
Reward Points
Best For
Travel | Reward | Premium

Key Benefits

  • Joining Fee: ₹10,000 + Taxes
  • Annual Fee: ₹10,000 + Taxes (waived on annual spend of ₹5 lakh)
  • Best For: Rewards and international travel
  • Unlimited lounge access across 1,000+ airport lounges worldwide for primary and add-on members

  • Complimentary annual memberships like Amazon Prime, Times Prime, Club Marriott, Swiggy One, and MMT Black Elite as welcome benefits, renewed on annual spends of ₹8 Lakh.
  • Vouchers from Ola, TataCliQ, BookMyShow, or cult.fit on monthly spends of ₹80,000 or more.
  • Earn 5 Reward Points per ₹150 spent (≈3.3% back), 10X points on SmartBuy/partner brands, and 2X on weekend dining.
  • 6 complimentary golf games per quarter at premium global courses.
  • Unlimited airport lounge access at 1,000+ domestic and international lounges.
  • Low forex markup fee of 2% on international transactions.
  • Extensive travel insurance, including air accident cover worth ₹2 Crore.
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Best Premium Credit Cards in India for 2026

Here is list of top Premium credit cards along with detailed benefits and fees & charges.

1. Axis Bank Burgundy Private Credit Card

Axis Bank Burgundy Private Credit Card

Joining Fee: Rs. 0 + GST

Annual Fee: Rs. 0 + GST

Key Features and Benefits:

  • Joining Fee: ₹50,000 + Taxes (Nil for Burgundy Private customers)
  • Annual Fee: ₹50,000 + Taxes (Nil for Burgundy Private customers)
  • Best For: Rewards & Lifestyle Benefits

Key Features:

  • Unlimited lounge access across domestic and international airports
  • Zero forex markup fee on international transactions
  • Earn 15 EDGE Reward points per ₹200 spent
  • Complimentary memberships with Club Marriott, Accor Plus, and Taj Epicure
  • Up to 50 free golf rounds every year
  • Complimentary EazyDiner Prime membership with up to 25% dining savings
  • Free 5 movie and 5 non-movie tickets every month via BookMyShow
  • Get 12 complimentary guest lounge visits annually
  • Up to 15% discount on Oberoi and Trident Hotels
  • Up to 20% savings at Postcard Hotels
  • Health and wellness benefits including coaching and medical offers

2. HDFC Infinia Credit Card

HDFC Infinia Credit Card

Joining Fee: Rs. 12500 + GST

Annual Fee: Rs. 12500 + GST

Key Features and Benefits:

  • Joining Fee: ₹12,500 + taxes
  • Annual Fee: ₹12,500 + taxes (waived on annual spend of ₹10 lakh)
  • Best For: All-round benefits including rewards, air miles, lounge access, and golf

Key Features:

  • Get 10X reward points on travel and shopping via SmartBuy
  • Complimentary Priority Pass with unlimited lounge access in India and abroad
  • Enjoy unlimited free golf games at select courses in India and overseas
  • Welcome benefit of 1-year Club Marriott membership with dining and stay discounts
  • Earn 5 reward points per ₹150 on retail spends (except fuel)
  • Low forex markup fee of 2% on international transactions
  • Access premium dining through the Good Food Trail program
  • 1% fuel surcharge waiver on transactions between ₹400 and ₹1 lakh

The Infinia Credit Card Metal Edition offers many benefits that let you enjoy a premium lifestyle.

3. HDFC Diners Club Black Metal Edition Credit Card

HDFC Diners Club Black Metal Edition Credit Card

Joining Fee: Rs. 10000 + GST

Annual Fee: Rs. 10000 + GST

Key Features and Benefits:

  • Joining Fee: ₹10,000 + Taxes
  • Annual Fee: ₹10,000 + Taxes (waived on annual spend of ₹5 lakh)
  • Best For: Rewards and international travel

Key Features:

  • Unlimited lounge access across 1,000+ airport lounges worldwide for primary and add-on members
  • Earn up to 10X reward points on SmartBuy spends
  • Get 2X reward points on weekend dining
  • Earn 5 reward points per ₹150 on all retail spends
  • Complimentary memberships like Club Marriott, Forbes, Amazon Prime, MMT BLACK, and Swiggy One (3 months) on spending ₹1.5 lakh within 90 days
  • Enjoy 6 golf games per quarter at selected courses worldwide
  • Low forex markup fee of 2% on international transactions

Explore Other Premium Credit Cards

Axis Bank Reserve Credit Card

Joining Fee: ₹50000
👑 Premium 
  • Get a welcome bonus of 15,000 Edge Reward points when you activate the card
  • Earn 15 Edge Reward points for every ₹200 spent
Read More Check Eligibility