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Best Premium & Super-Premium Credit Cards in India (2026)
Updated · 6 options compared
Super-premium cards are built for people who spend ₹1 lakh or more every month. At that level the reward rate (often 3–6% when redeemed for travel), unlimited lounge access, golf, concierge and low forex markup can be worth far more than the ₹5,000–₹12,500 annual fee — and most of these cards waive the fee if you reach a spend target.
If you spend less than that, a mid-range card will usually deliver better net value.
Quick comparison
| # | Name | Rewards | Lounge access |
|---|---|---|---|
| 1 | HDFC Infinia Metal | 5 reward points for every ₹150 spent | Unlimited domestic + international (Priority Pass) |
| 2 | Axis Magnus | 12 EDGE Reward points per ₹200 | Unlimited domestic + 8 international (Priority Pass) |
| 3 | HDFC Diners Club Black | 5X reward points on every ₹150 spent | Unlimited domestic + international |
| 4 | SC Ultimate | 3.33% rewards value on all spends | Unlimited domestic + international (Priority Pass) |
| 5 | SBI ELITE | 2X reward points on dining, movies & grocery | Unlimited domestic + 6 international per year |
| 6 | AU Zenith+ | 4.5% value back on select categories | 8 domestic + 4 international per year |
1.HDFC Infinia Metal
5/5- Rewards
- 5 reward points for every ₹150 spent
- Lounge access
- Unlimited domestic + international (Priority Pass)
- Annual fee
- ₹12,500 + GST
- Min. income
- Invite only (₹4L+/month)
India's most exclusive credit card, available only by invitation for ultra-high-income individuals. Unlimited global lounge access and a low 2% foreign transaction fee make it unbeatable for international travel. Not worth pursuing unless you already spend ₹10L+ per year on the card.
- Unlimited Airport lounge access globally
- Global Concierge & Golf privileges
- Club Marriott membership for 1 year
2.Axis Magnus
4.9/5- Rewards
- 12 EDGE Reward points per ₹200
- Lounge access
- Unlimited domestic + 8 international (Priority Pass)
- Annual fee
- ₹12,500 + GST
- Min. income
- ₹1,50,000/month
Axis Bank's ultra-premium offering that rivals HDFC Infinia in benefits. The 12 EDGE points per ₹200 and unlimited lounge access make it exceptional for frequent travellers. The ₹25L annual spend requirement for fee waiver is aggressive, so this card is truly meant for very high spenders only.
- Unlimited domestic lounge visits & priority pass
- Annual fee waiver on ₹25L annual spend
- VIP meet & greet services at airports
3.HDFC Diners Club Black
4.9/5- Rewards
- 5X reward points on every ₹150 spent
- Lounge access
- Unlimited domestic + international
- Annual fee
- ₹10,000 + GST
- Min. income
- ₹1,50,000/month
Often considered the best reward card in India — 5X points on regular spends and 10X on SmartBuy. Unlimited lounge access puts it close to the Infinia at nearly half the annual fee. The only catch: Diners Club network acceptance is limited at smaller merchants, so keep a backup Visa or Mastercard handy.
- Unlimited domestic & international lounge access
- 10X rewards on SmartBuy portal
- Complimentary annual memberships worth ₹10,000+
4.SC Ultimate
4.7/5- Rewards
- 3.33% rewards value on all spends
- Lounge access
- Unlimited domestic + international (Priority Pass)
- Annual fee
- ₹5,000 + GST
- Min. income
- ₹1,00,000/month
Standard Chartered's top-tier card with one of the highest reward rates at 3.33% value back on all spends. Unlimited global lounge access and ₹5 Crore travel insurance put it in the same league as HDFC Infinia. The ₹1L/month income requirement ensures it targets serious high-income professionals.
- Unlimited domestic & international lounge access
- Travel insurance up to ₹5 Crore
- Golf privileges worldwide
5.SBI ELITE
4.6/5- Rewards
- 2X reward points on dining, movies & grocery
- Lounge access
- Unlimited domestic + 6 international per year
- Annual fee
- ₹4,999 + GST
- Min. income
- ₹60,000/month
SBI's premium offering that competes directly with the HDFC Regalia. Unlimited domestic lounge visits and the Trident Privilege membership are standout perks. The ₹4,999 fee is steep, but gets waived at ₹10L annual spend — a realistic target for high-income professionals.
- Complimentary Trident Privilege membership
- Unlimited domestic lounge visits
- Buy 1 Get 1 on BookMyShow
6.AU Zenith+
4.4/5- Rewards
- 4.5% value back on select categories
- Lounge access
- 8 domestic + 4 international per year
- Annual fee
- ₹7,999 + GST
- Min. income
- ₹50,000/month
AU Small Finance Bank's premium play that punches well above its weight class. The ₹3 Crore travel insurance and worldwide lounge access are impressive features for a small finance bank card. Worth considering if you already bank with AU and want premium benefits without switching to a larger bank.
- Complimentary airport lounge access worldwide
- Travel insurance up to ₹3 Crore
- Concierge services 24/7
How we chose
- Reward value when redeemed for flights and hotels.
- Lounge, golf, concierge and insurance benefits.
- Annual fee and fee-waiver spend threshold.
CardKhoj is independent and does not earn commission from banks. Rates and fees change often — always confirm the latest terms on the bank's official website before applying.
Frequently asked questions
Which is the best super-premium credit card in India?
HDFC Infinia is widely considered the best all-round super-premium card thanks to its reward rate on SmartBuy and unlimited global lounge access, but it is invite-only. Axis Magnus and HDFC Diners Club Black are the most popular cards you can apply for directly.
What income do I need for a premium credit card?
Most super-premium cards require ₹1–1.5 lakh or more in monthly income, or an existing relationship with the bank. Some, such as HDFC Infinia, are by invitation only.