Top 5 Luxury Credit Cards In India That Redefine Premium Living

Last Updated:April 15, 2025, 15:42 IST

An array of premium credit cards is available in India, offering a wealth of rewards, travel advantages, and lifestyle privileges.

HDFC Bank Infinia Credit Card charges a 12,500 annual fee. (representative image)

Credit cards come with a handful of benefits, from cashback to exciting discounts. These benefits can help consumers save money, earn rewards, and enjoy special offers. For individuals who appreciate elevated experiences and exclusive privileges, a luxury credit card can be more than just a payment tool. An array of premium credit cards is available in India that cater to this section, offering a wealth of rewards, travel advantages, and lifestyle privileges.

If you’re also someone seeking to purchase a new credit card with exceptional value, here are five luxury credit cards worth exploring: 

1. HDFC Bank Infinia Credit Card (Metal Edition): This top-tier offering from HDFC Bank is renowned for its high reward points and a vast selection of redemption options. Infinia cardholders benefit from unlimited airport lounge access, exclusive privileges at premium hotels and dining establishments, and complimentary Club Marriott membership for the first year that offers up to 20 per cent discounts for dining and staying across the Asia–Pacific region. This card charges a 12,500 annual fee, and users get five reward points for every Rs 150 spent (including insurance, utilities, and education). With this card, users also get the lowest markup fee of 2 per cent on all foreign currency transactions.
2. Axis Bank Reserve Credit Card: Another on the list is the Axis Bank Reserve Credit Card. It is available at an annual fee of Rs 50,000 and provides exceptional travel privileges, including unlimited domestic airport lounge access with Priority Pass, complimentary tickets on BookMyShow, and exclusive Club ITC Culinaire membership. It also gives Accor Plus membership, EazyDiner Prime membership, and Club Marriott, with offers on Postcard and Oberoi hotels. The Axis Bank Reserve Credit Card offers up to 30 EDGE reward points on spending every Rs 200.
3. SBI Card ELITE: Available at an annual fee of Rs 4,999 plus taxes, this card is positioned as a premium card with a focus on lifestyle and travel. SBI Card ELITE offers benefits such as two complimentary domestic airport lounge accesses every quarter in India and six complimentary airport lounge visits per calendar year internationally. The card also gives exclusive discounts and offers across various categories like dining, shopping, and entertainment. Moreover, it provides free movie tickets worth Rs 6,000 every year.
4. ICICI Bank Emeralde Credit Card: This exclusive card is designed for high-net-worth individuals and offers a curated suite of benefits, including unlimited access to international as well as domestic airport lounges. If you are interested in buying this card, you should have a minimum monthly income of Rs 1.5 lakh. You can also get a refund of up to Rs 12,000 for a maximum of two transactions every year on any flight/hotel/movie booking cancellation.
5. Yes Private Credit Card: The membership fee for the first year is Rs 50,000 plus applicable taxes. With the Yes Private Credit Card, users will have to pay a renewal membership fee of Rs 10,000 plus applicable taxes which can be reversed on spends of Rs 25,00,000 within 12 months before the renewal. This card offers 20 reward points on domestic and 40 reward points on international spending for every Rs 200.

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