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 123 credit cards (including 29 lifetime free cards) on real net value after applying fees, reward caps, and exclusions.
ICICI Emeralde Credit Card
₹12,000/yr fee, 1998 lounge visits/yr
ICICI Emeralde Credit Card
Annual Fee
₹12,000
Headline Rate
4x on travel
Axis Burgundy Private Credit Card
Annual Fee
₹50,000
Headline Rate
7.5 pts/₹100
American Express Platinum Card
Annual Fee
₹66,000
Headline Rate
7.5x on travel
ICICI Emeralde Private Metal Credit Card
Annual Fee
₹12,499
Headline Rate
3x on groceries
IndusInd Pioneer Private Credit Card
Annual Fee
₹25,000
Headline Rate
3x on other
RBL Bank LUMIÈRE Credit Card
Annual Fee
₹50,000
Headline Rate
4x on travel
PNB RuPay Metal LUXURA Credit Card
Annual Fee
₹7,500
Headline Rate
12x on travel
PNB Visa Metal LUXURA Credit Card
Annual Fee
₹1,999
Headline Rate
12x on travel
Union NEXTERIA Credit Card
Annual Fee
₹12,499
Headline Rate
4 pts/₹100
HDFC Diners Club Black Metal Edition Credit Card
Annual Fee
₹10,000
Headline Rate
3.33x on dining
HDFC Infinia Metal Edition Credit Card
Annual Fee
₹12,500
Headline Rate
3.33x on travel
Times Black ICICI Bank Credit Card
Annual Fee
₹20,000
Headline Rate
2x on utilities
PNB Premium Metal Credit Card LUXURA (Army Officer)
Annual Fee
₹1,999
Headline Rate
2.67 pts/₹100
IndusInd Indulge Credit Card
Annual Fee
₹10,000
Headline Rate
1.5x on other
IDFC FIRST Private Credit Card
Annual Fee
₹25,000
Headline Rate
3.33x on travel
Axis Bank HORIZON Credit Card
Annual Fee
₹3,000
Headline Rate
2x on travel
Miles and More Axis Bank Credit Card
Annual Fee
₹3,500
Headline Rate
2x on travel
AURUM SBI Card
Annual Fee
₹9,999
Headline Rate
1 pts/₹100
Axis Bank Reserve Credit Card
Annual Fee
₹50,000
Headline Rate
1 pts/₹100
Emirates Skywards ICICI Bank Emeralde Credit Card
Annual Fee
₹10,000
Headline Rate
2x on travel
Kotak Solitaire Credit Card
Annual Fee
Free
Headline Rate
10x on travel
Bandhan Bank Lumina Credit Card
Annual Fee
₹9,999
Headline Rate
8 pts/₹100
BOBCARD Eterna
Annual Fee
₹2,499
Headline Rate
15x on online
Axis Bank Magnus Credit Card
Annual Fee
₹12,500
Headline Rate
30x on travel
BOBCARD Etihad Guest Premium
Annual Fee
Free
Headline Rate
2x on other
IDFC FIRST Mayura Credit Card
Annual Fee
₹5,999
Headline Rate
0.833x on travel
AU Zenith+ Credit Card
Annual Fee
₹4,999
Headline Rate
2x on dining
RBL Bank NOVA Credit Card
Annual Fee
₹12,500
Headline Rate
12x on travel
Axis Bank Atlas Credit Card
Annual Fee
₹5,000
Headline Rate
5x on travel
DBS Altitude Credit Card
Annual Fee
₹4,999
Headline Rate
5x on travel
DBS Vantage Credit Card
Annual Fee
₹20,000
Headline Rate
4x on travel
Marriott Bonvoy HDFC Bank Credit Card
Annual Fee
₹3,000
Headline Rate
2.67x on travel
RBL Bank Insignia Preferred Banking Credit Card
Annual Fee
₹7,000
Headline Rate
10x on travel
IDFC FIRST Ashva Credit Card
Annual Fee
₹2,999
Headline Rate
0.833x on travel
BOBCARD Tiara
Annual Fee
Free
Headline Rate
15x on dining
ICAI Exclusive BOBCARD
Annual Fee
Free
Headline Rate
5x on online
SBI Card Miles Elite
Annual Fee
₹4,999
Headline Rate
3x on travel
YES PRIVATE
Annual Fee
₹10,000
Headline Rate
0 pts/₹100
RESERV Credit Card
Annual Fee
₹2,499
Headline Rate
12x on online
AU Zenith Credit Card
Annual Fee
₹7,999
Headline Rate
5x on dining
IndusInd Avios Visa Infinite Credit Card
Annual Fee
₹10,000
Headline Rate
3x on travel
HDFC Regalia Gold Credit Card
Annual Fee
₹2,500
Headline Rate
2.5x on online
ICICI Bank Sapphiro Credit Card
Annual Fee
₹3,500
Headline Rate
4x on other
IDFC FIRST Diamond Reserve Credit Card
Annual Fee
₹3,000
Headline Rate
6.67x on other
Indian Army YODDHA BOBCARD
Annual Fee
Free
Headline Rate
2x on other
RBL Bank Signature Banking Credit Card
Annual Fee
₹2,500
Headline Rate
1% on travel
IndusInd Pioneer Heritage Credit Card
Annual Fee
₹25,000
Headline Rate
2.5x on travel
Union UNICORN RuPay Credit Card
Annual Fee
₹2,400
Headline Rate
4x on online
Union RuPay Select Credit Card
Annual Fee
₹550
Headline Rate
4 pts/₹100
KVB Eternis Credit Card
Annual Fee
₹29,999
Headline Rate
6x on travel
BOBCARD Etihad Guest
Annual Fee
Free
Headline Rate
1x on other
SBI Card ELITE
Annual Fee
₹4,999
Headline Rate
5x on dining
Kotak White Credit Card
Annual Fee
₹3,000
Headline Rate
1 pts/₹100
Canara MasterCard World Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Bank of Maharashtra SBI Card ELITE
Annual Fee
₹4,999
Headline Rate
5x on dining
UCO Bank SBI Card ELITE
Annual Fee
₹4,999
Headline Rate
10x on dining
PSB SBI Card ELITE
Annual Fee
₹4,999
Headline Rate
10x on dining
Air India SBI Signature Card
Annual Fee
₹4,999
Headline Rate
10x on travel
AU Vetta Credit Card
Annual Fee
₹2,999
Headline Rate
4x on other
MARQUEE Credit Card
Annual Fee
₹4,999
Headline Rate
0 pts/₹100
Kotak Infinite Credit Card
Annual Fee
Free
Headline Rate
0.8 pts/₹100
Canara Visa Signature Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Karnataka Bank Prime SBI Credit Card
Annual Fee
₹2,999
Headline Rate
2x on utilities
IndusInd Pioneer Legacy Credit Card
Annual Fee
Free
Headline Rate
2x on other
IndusInd Celesta Credit Card
Annual Fee
₹5,000
Headline Rate
3x on travel
IndusInd Crest Credit Card
Annual Fee
₹10,000
Headline Rate
2.5x on travel
HSBC TravelOne Credit Card
Annual Fee
₹4,999
Headline Rate
4x on travel
RBL Bank World Safari Credit Card
Annual Fee
₹3,000
Headline Rate
5x on travel
Canara Rupay Select Credit Card
Annual Fee
Free
Headline Rate
5x on utilities
Canara Rupay Select Secured Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Union DIVAA ICON Credit Card
Annual Fee
₹1,499
Headline Rate
2 pts/₹100
BOI RuPay Select Credit Card
Annual Fee
₹800
Headline Rate
2 pts/₹100
Indian Navy Varunah BOBCARD
Annual Fee
Free
Headline Rate
1 pts/₹100
BOI Celestia Credit Card
Annual Fee
₹11,999
Headline Rate
5x on dining
IndusInd Tiger Credit Card
Annual Fee
Free
Headline Rate
6x on other
BOBCARD Premier
Annual Fee
Free
Headline Rate
10x on dining
IDFC FIRST Wealth Credit Card
Annual Fee
Free
Headline Rate
6.67x on other
RBL Bank Icon Credit Card
Annual Fee
₹5,000
Headline Rate
20x on travel
IOB RuPay Select Credit Card
Annual Fee
₹500
Headline Rate
1 pts/₹100
J&K Bank Eminent Credit Card
Annual Fee
₹1,500
Headline Rate
3x on travel
Dhi CUB Visa Signature Credit Card
Annual Fee
Free
Headline Rate
1.25% on other
Ultimate Credit Card
Annual Fee
₹5,000
Headline Rate
2x on utilities
IndusInd Pinnacle Credit Card
Annual Fee
Free
Headline Rate
2.5x on online
YES First Business Card
Annual Fee
₹999
Headline Rate
8x on dining
Kotak Solitaire Business Credit Card
Annual Fee
Free
Headline Rate
7x on travel
IDFC FIRST WOW! Black Credit Card
Annual Fee
₹750
Headline Rate
2.67x on travel
Indian Coast Guard Rakshamah BOBCARD
Annual Fee
Free
Headline Rate
1 pts/₹100
Adani One ICICI Bank Signature Credit Card
Annual Fee
₹5,000
Headline Rate
1.5x on travel
Emirates Skywards ICICI Bank Sapphiro Credit Card
Annual Fee
₹5,000
Headline Rate
1.5x on other
Samsung Axis Bank Infinite Credit Card
Annual Fee
₹5,000
Headline Rate
1% on other
Union VISA Signature Credit Card
Annual Fee
₹1,999
Headline Rate
4 pts/₹100
Indian Bank VISA Platinum Credit Card
Annual Fee
₹250
Headline Rate
1 pts/₹100
Indian Bank RuPay Select Credit Card
Annual Fee
₹250
Headline Rate
1 pts/₹100
IOB VISA Platinum Credit Card
Annual Fee
₹250
Headline Rate
1% on other
CUB CSK Master World Credit Card
Annual Fee
₹4,000
Headline Rate
2x on travel
CUB SRH Master World Credit Card
Annual Fee
₹4,000
Headline Rate
2x on travel
Equitas PowerMiles Credit Card
Annual Fee
₹5,000
Headline Rate
1.5x on travel
IDFC FIRST Gaj: Credit Card
Annual Fee
₹12,500
Headline Rate
3.33 pts/₹100
American Express Gold Card
Annual Fee
₹4,500
Headline Rate
2x on utilities
IndiGo Kotak Premium Credit Card
Annual Fee
₹3,000
Headline Rate
2x on travel
IndiGo IDFC FIRST Dual Credit Card
Annual Fee
₹4,999
Headline Rate
3x on travel
Kotak Air+ Credit Card
Annual Fee
₹3,000
Headline Rate
2x on other
Kotak Air+ Prime Credit Card
Annual Fee
₹3,000
Headline Rate
5x on travel
American Express Platinum Reserve Credit Card
Annual Fee
₹10,000
Headline Rate
1 pts/₹100
Indian Bank VISA Business Credit Card
Annual Fee
₹500
Headline Rate
0.5 pts/₹100
Federal Bank Visa Celesta Credit Card
Annual Fee
Free
Headline Rate
1x on other
AU Ananta Credit Card
Annual Fee
₹2,000
Headline Rate
5x on other
AU Traverse Credit Card
Annual Fee
₹4,999
Headline Rate
1 pts/₹100
ICSI Diamond BOBCARD
Annual Fee
Free
Headline Rate
1 pts/₹100
CMA One BOBCARD
Annual Fee
Free
Headline Rate
1 pts/₹100
Assam Rifles The SENTINEL BOBCARD
Annual Fee
Free
Headline Rate
1 pts/₹100
Priority Visa Infinite Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
PNB Visa Signature Credit Card
Annual Fee
₹2,000
Headline Rate
1 pts/₹100
BOI RuPay Star Lakshmi Credit Card
Annual Fee
₹500
Headline Rate
1 pts/₹100
Axis Bank Select Credit Card
Annual Fee
₹3,000
Headline Rate
1x on groceries
Wellness Plus Credit Card
Annual Fee
₹1,499
Headline Rate
0x on other
Platinum Rewards Card
Annual Fee
Free
Headline Rate
3.33x on dining
IndiGo Axis Bank Premium Credit Card
Annual Fee
₹5,000
Headline Rate
3x on travel
White Reserve Credit Card
Annual Fee
Free
Headline Rate
0x on other
Indus Solitaire Credit Card
Annual Fee
₹10,000
Headline Rate
0 pts/₹100
Canara VISA Corporate Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
IOB VISA Signature Credit Card
Annual Fee
₹750
Headline Rate
0 pts/₹100
Cent Aspire Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
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