Best Premium Credit Cards in India
Unlimited lounges, concierge, golf and top-tier reward rates — for spenders whose volume justifies a serious card.
Infinia Credit Card (Metal)
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Joining: ₹12,500 + taxes (invite only)
Annual: ₹12,500 (waived on ₹10L annual spend)
5 points per ₹150 (~3.3% return), redeemable 1:1 for flights/hotels
Sapphiro Credit Card
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Joining: ₹6,500 + taxes
Annual: ₹3,500 (waived on ₹6L annual spend)
Welcome vouchers worth ~₹9,000 (travel + lifestyle)
SBI Card ELITE
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Joining: ₹4,999 + taxes
Annual: ₹4,999 (waived on ₹10L annual spend)
Welcome e-voucher worth ₹5,000 (Yatra/Shoppers Stop and more)
Pinnacle World Credit Card
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Joining: ₹15,000 + taxes
Annual: ₹0
VIP airport lounge membership — up to 8 visits a year
FIRST Select Credit Card
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Joining: ₹0
Annual: ₹0 — lifetime free
Domestic lounge visits on ₹20k monthly spends
FIRST Wealth Credit Card
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Joining: ₹0
Annual: ₹0 — lifetime free
Domestic + international lounge and spa access on spends
AU Zenith Credit Card
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Joining: ₹7,999 + taxes
Annual: ₹7,999 (spend-based waiver)
Unlimited domestic lounge + international visits via Priority Pass
YES Marquee Credit Card
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Joining: ₹9,999 + taxes
Annual: ₹4,999 (spend-based waiver)
36 points per ₹200 on online spends (top-tier rate)
BOBCARD Eterna
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Joining: ₹2,499 + taxes
Annual: ₹2,499 (waived on ₹2.5L annual spend)
15X points on travel, dining, international and online shopping
Not sure which premium card fits best?
Tell us your number — an advisor calls back with the top 2–3 matches for your spending. No credit-score impact.