Best Premium Credit Cards in India 2026
Premium and super-premium cards judged on whether perks actually beat the fee at your spend level. We compared 109 cards — 32 of them lifetime free — on what you actually keep after fees, reward caps and exclusions. Our current top pick is ICICI Emeralde Credit Card.
Top 20 Premium Credit Cards Ranked
| # | Card | Annual Fee | Base Earn | Standout |
|---|---|---|---|---|
| 1 |  ICICI Emeralde Credit CardICICI Bank | ₹12,000 | 1.6% | ₹12,000/yr fee, 1998 lounge visits/yr |
| 2 |  American Express Platinum CardAmerican Express | ₹66,000 | 1.3% | ₹66,000/yr fee, 1998 lounge visits/yr |
| 3 |  ICICI Emeralde Private Metal Credit CardICICI Bank | ₹12,499 | 1.2% | ₹12,499/yr fee, 1998 lounge visits/yr |
| 4 |  IndusInd Pioneer Private Credit CardIndusInd Bank | ₹25,000 | 1.2% | ₹25,000/yr fee, 1998 lounge visits/yr |
| 5 |  PNB RuPay Metal LUXURA Credit CardPunjab National Bank | ₹7,500 | 1.0% | ₹7,500/yr fee, 1998 lounge visits/yr |
| 6 |  PNB Visa Metal LUXURA Credit CardPunjab National Bank | ₹1,999 | 1.0% | ₹1,999/yr fee, 1998 lounge visits/yr |
| 7 |  Union NEXTERIA Credit CardUnion Bank of India | ₹12,499 | 1.0% | ₹12,499/yr fee, 1998 lounge visits/yr |
| 8 |  HDFC Diners Club Black Metal Edition Credit CardHDFC Bank | ₹10,000 | 1.0% | ₹10,000/yr fee, 1998 lounge visits/yr |
| 9 |  HDFC Infinia Metal Edition Credit CardHDFC Bank | ₹12,500 | 1.0% | ₹12,500/yr fee, 1998 lounge visits/yr |
| 10 |  Times Black ICICI Bank Credit CardICICI Bank | ₹20,000 | 0.8% | ₹20,000/yr fee, 1998 lounge visits/yr |
| 11 |  IndusInd Indulge Credit CardIndusInd Bank | ₹10,000 | 0.6% | ₹10,000/yr fee, 1998 lounge visits/yr |
| 12 |  IDFC FIRST Private Credit CardIDFC FIRST Bank | ₹25,000 | 0.4% | ₹25,000/yr fee, 1998 lounge visits/yr |
| 13 |  AURUM SBI CardSBI Card | ₹9,999 | 0.3% | ₹9,999/yr fee, 1998 lounge visits/yr |
| 14 |  Axis Bank HORIZON Credit CardAxis Bank | ₹3,000 | 0.2% | ₹3,000/yr fee, 1998 lounge visits/yr |
| 15 |  Axis Bank Reserve Credit CardAxis Bank | ₹50,000 | 0.2% | ₹50,000/yr fee, 1998 lounge visits/yr |
| 16 |  Miles and More Axis Bank Credit CardAxis Bank | ₹3,500 | 0.2% | ₹3,500/yr fee, 1998 lounge visits/yr |
| 17 |  Axis Burgundy Private - The One CardAxis Bank | ₹50,000 | 0.2% | ₹50,000/yr fee, 1998 lounge visits/yr |
| 18 |  Emirates Skywards ICICI Bank Emeralde Credit CardICICI Bank | ₹10,000 | — | ₹10,000/yr fee, 1998 lounge visits/yr |
| 19 |  Kotak Solitaire Credit CardKotak Mahindra Bank | Free (LTF) | — | Lifetime free, 1998 lounge visits/yr |
| 20 |  Axis Bank Magnus Credit CardAxis Bank | ₹12,500 | 1.2% | ₹12,500/yr fee, 198 lounge visits/yr |
Base earn = ₹ value earned per ₹100 of everyday spend at the card's standard rate, before category accelerators. Every card page shows caps, exclusions and the net value math for your own monthly spend.
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