Best Super Premium Credit Cards in India for HNIs

lifestyle, travel, and rewards credit card

Super premium credit cards are built for High Net Worth Individuals (HNIs). These people have an income of more than Rs. 50 lacs in general. The HNIs splurge on travel and shopping which makes them a perfect customer for the super premium credit cards. Banks have come up with a few super premium credit cards that cater to the needs of the HNIs. With these cards, you can save a lot of money on flight ticket and hotel bookings. These credit cards provide extravagant offers on travel and lifestyle benefits. The best super premium credit cards are listed below which will help you in availing amazing offers and privileges.

7 Best Super Premium Credit Cards in India

HDFC Bank Diners Club Black Credit Card

Citi Prestige Credit Card

HDFC Bank Infinia Credit Card

American Express Platinum Charge Card
Yes First Exclusive Credit Card

Axis Bank Reserve Credit Card

SBI Elite Credit Card


The 7 best super premium credit cards listed below are ranked based on the reward rate offered by the cards. HDFC Bank Diners Club Black Credit Card offers one of the best-accelerated rewards (33%). Other super premium credit cards offer a reward rate up to 8%.

Here is a list of the 7 Best Super Premium Credit Cards in India

1. HDFC Bank Diners Club Black Credit Card

hdfc bank diners club black credit card

 

 

HDFC Diners Club Black offers exclusive lifestyle and travel benefits. It offers one of the best reward rates out of all credit cards.

Joining Fee: Rs. 10000

Annual Fee: Rs. 5000

Reward rate: 3.33% – 33.33% (accelerated program)

HDFC Bank Diners Club Black Credit Card Features & Details

Particulars 
Annual FeeRs.10,000 (as Joining fee in first year)
Rs.5,000 (from second year onwards)
Interest rate 1.99% per month
Cash Advance charge2.5% or Rs.300 (whichever is higher)
Foreign Currency mark up fee2%
Bonus Point10,000 welcome bonus points
5,000 renewal bonus points
Rewards5 points on every Rs.150 spent
10 points on every Rs.150 spent on HDFC Diners Club website
50 points on every Rs.150 spent at partner brands

Key Benefits

  1. You get 10,000 bonus points as welcome gift
  2. Earn 5 reward points for every Rs. 150 on retail spends
  3. Earn 10x (50) points for every Rs. 150 spent on partner brands
  4. You get 5,000 bonus points as a renewal bonus every year after you pay the renewal fee
  5. Spend Rs. 5 lacs and get annual fee waived off
  6. Access to more than 700 international airport lounges and 35 domestic airport lounges in India
  7. Air accident cover of Rs.2 crore
  8. Get 1 free ticket with 1 paid ticket (maximum 4 free tickets in a month)
  9. Get complimentary golf games (Green Fee Waiver) at almost 20 golf courses in India and over 40 golf courses world over

To know more about the card, read our HDFC Bank Diners Club Credit Card Full Review. 

2. Citi Prestige Credit Card

citi prestige credit card

 

 

Citi Prestige credit card offers luxury travel upgrades, the highest level of services, and exclusive benefits.
Annual Fee: Rs. 20000

Reward rate: 4% (domestic) – 8% (international)

1 reward point = 4 air miles

Citi Prestige Credit Card Features & Details

Particulars 
Annual feeRs.20,000
Default charge 3.5% p.m
Cash Advance charge 2.00% or Rs.300 (whichever is higher)
Foreign Currency mark up fee3.5%
Bonus Point10,000 air miles every year
Rs.10,000 worth Taj or ITC hotel voucher
Rewards1 reward point for every Rs.100 (in India)
2 reward point for every Rs.100 (internationally)

Key Benefits

  1. Get 10000 bonus miles on your first transaction every year
  2. Get vouchers/cards worth Rs.10,000 after your first transaction every year
  3. Unlimited Priority Pass Lounge access in India and abroad
  4. Complimentary meet & greet service and complimentary one-way luxury airport transfer services twice per calendar year
  5. Get 3 complimentary golf games per year in Asia Pacific region (excluding India)
  6. Enjoy 4 Complimentary rounds of golf as Green Fee players in India
  7. Get complimentary Taj Epicure Plus and InnerCircle Silver Membership
  8. Air accident cover of Rs. 5 crores
  9. Get 24×7 personal concierge service

To know more about the card, read our Citi Prestige Credit Card Review.

3. HDFC Infinia Credit Card

Best Credit card for international spends

 

 

HDFC Infinia Credit Card is another super premium credit card provided by HDFC Bank. It is meant for High Net Worth Individuals who love to travel in style and live a luxurious lifestyle.

Annual Fee: Rs. 10000

Reward rate: 3.3% – 6.6% (1 reward point = Rs. 1)

HDFC Bank Infinia Credit Card Features and Details

Particulars 
Annual FeeRs.10,000 (Joining fee too)
Interest rate 1.99%
Cash Advance chargeNil
Foreign Currency mark up fee2.00%
Bonus PointNone beside the accelerated points you can earn.
Rewards5 points on every Rs.150 spent
10 points on every Rs.150 spent on Dining/airvistara/hdfcbankinfinia

Key Benefits

  1. Earn 5 points on every Rs.150 spent
  2. Earn 10 reward points for every Rs. 150 spent on bookings on hdfcbankinfinia.com, flight bookings on airvistara.com, and dining
  3. No pre-set spending limit
  4. Complimentary membership to Priority Pass and unlimited access to international and domestic lounges
  5.  Complimentary Club Vistara Gold Membership
  6. Earn 10 Club Vistara points for every Rs.100 spent on all Vistara flights
  7. A minimum discount of 15% across 3000+ restaurants
  8. Complimentary Golf games at premium golf courses in India and over 40 golf courses world over
  9. Rs.3 crores Air accidental cover
  10. Fuel surcharge waiver (capped at Rs.1000/billing cycle)

To know more about the card, read our HDFC Bank Infinia Credit Card Full Review. 

4. American Express Platinum Charge Card

Amex Platinum charge card

Amex Platinum Charge Card offers exclusive American Express privileges and features for HNIs. Please note that it is a charge card and not a credit card.

Annual Fee: Rs. 50000

Reward rate: 0.635% (Fuel) – 5% (on extra partners)

American Express Platinum Charge Card Features & Details

Particulars 
Annual FeeRs.50,000
Default charge 5% of outstanding monthly balance or minimum Rs. 300
Cash Advance charge3.5% of withdrawn amount or minimum Rs. 250
Bonus PointNone
Rewards 1 Membership Rewards Point for every Rs.100 spent except on Fuel,Utilities and Insurance
Upto 20 MR Points on partner brands

Key Benefits

  1. Earn 1 Membership Rewards Point for every Rs. 100 spent on Fuel
  2. Earn up to 20 Bonus Membership Rewards Points for every Rs.100 charged to your card at EXTRA Membership Rewards Program Partners.
  3. Get unlimited complimentary access to 30 airport Lounges across 12 cities in India
  4. Priority Pass membership and unlimited complimentary airport lounge access
  5. You get elite tier membership to some of the finest hotels in the world
  6. Get complimentary membership to Club ITC Culinaire and Taj Epicure Plan
  7. Enjoy complimentary access (Green Fee) to golf courses in India and two complimentary golf lessons every month
  8. You get 24×7 concierge service
  9. Rs.1 crore of cover on death due to air accident

To know more about the card, read our American Express Platinum Charge Card Full Review.

5. Yes First Exclusive Credit Card

Best Super Premium Credit Cards in India

 

 

Yes First Exclusive Credit card is designed for the select few who wish to enjoy lifestyle benefits, powerful rewards, and premium services.

Annual Fee: Rs. 10000

Reward rate: 2.50% (1 reward point = Rs. 0.25)

Yes First Exclusive Credit Card Features and Details

Particulars 
Annual FeeRs.10,000
Interest rate 1.20% p.m (for Yes First customer)
1.99% p.m (for others)
Cash Advance charge2.5% or Rs.300
Foreign Currency mark up fee1.75%
Bonus Point50000 welcome bonus points
40,000 renewal bonus points
25,000 on milestone spend of Rs.20 lacs
Rewards10 points for every Rs.100

Key Benefits

  1. You get 50000 bonus reward points as a welcome gift if you make a transaction within first 90 days
  2. Earn 40,000 bonus rewards points every year
  3. Earn 10 points for every 100 rupees spent on retail transactions
  4. Unlimited complimentary access to lounges on Priority Pass membership
  5. MasterCard lounge access program gives you unlimited complimentary access to select airport lounges in India
  6. Complimentary membership to Taj InnerCircle Epicure
  7. Get 25% discount on movie tickets when booked on BookMyShow
  8. MasterCard World Golf program (complete waiver of Green fee at select golf courses in India)
  9. Fuel surcharge waiver at all fuel stations across India
  10. Rs.3 crores Air accidental cover

To know more about the card, read our Yes First Exclusive Credit Card Full Review.

6. Axis Bank Reserve Credit Card

axis bank reserve credit card

 

 

Axis Bank Reserve Credit Card is built for the HNIs and provides all the luxury features that make it a super premium credit card.

Annual Fee: Rs. 30000

Reward rate: 1% (domestic) – 2% (international)

Axis Bank Reserve Credit Card Features & Details

Particulars 
Annual FeeRs.30,000
Interest rate2.95% p.m
Foreign Currency mark up fee3.5%
Joining BonusLuxury car ride to Taj Hotels
Rs.10,000 worth lifestyle voucher
Rewards10 reward points on Rs.200 (Domestic spends)
20 reward points on Rs.200 (international spends)

Key Benefits

  1. Complimentary lifestyle voucher worth Rs 10000
  2.  E1rn 10 eDGE Loyalty Rewards points on every Rs.200 domestic spends
  3.  Earn 20 eDGE Loyalty Rewards points on every Rs.200 international spends
  4. On renewal of the card, you get 30,000 eDGE Loyalty Rewards points
  5. You get Rs.4.5 crore of cover on death due to air accident
  6. Fuel surcharge is waived off at all fuel stations across India
  7. Complimentary Gold status membership with Hilton Hotels
  8. A minimum discount of 15% at partner restaurants
  9. Get 50% cashback on all movie tickets booked on BookMyShow (Maximum: Rs. 2000 in a year)
  10. Unlimited complimentary access to golf rounds in India
  11. Get complimentary access to more than 900 airport lounges across the world
  12. Complimentary membership to Club Vistara Platinum

To know more about the card, read our Axis Bank Reserve Credit Card Full Review.

7. SBI Elite Credit Card

sbi elite credit card

 

 

The SBI Elite Credit Card may not look like a super premium credit card, but it is the most premium credit card offered by SBI. It has excellent features and benefits that can be compared to other super premium credit cards.

Annual Fees: Rs. 4999

Reward rate: 0.5% – 2.5% 

1 reward point = Rs. 0.25

SBI Elite Credit Card Features and Details

Annual FeeRs. 4999
Welcome giftE-gift voucher worth Rs. 5000
RewardsUp to 5x rewards
Other benefitsFree movie tickets
Airport lounge access
Fuel surcharge waiver
Hotel membership
Club vistara membership
Interest rate Up to 3.35% per month, i.e. 40.20% annually
Late Payment chargesRs. 0-200: Nil
Rs. 201-500: Rs. 100
Rs. 501-1000: Rs. 400
Rs. 1001- 10000: Rs. 500
Rs. 10001 and more: Rs. 750
Cash Advance feesSBI or other ATMs: 2.5% of transaction amount, subject to a minimum of Rs. 300
International ATM: 3% of transaction amount, subject to a minimum of Rs. 300
Foreign currency transaction fee1.99% of the transaction

Key Benefits

  1. Welcome gift voucher worth Rs. 5000
  2. Earn 5x reward points on dining, grocery, and department stores
  3. Earn 2 reward points on all other spends
  4. Get 2 free movie tickets per month or Rs. 500 off whichever is less (BookMyShow)
  5. You get complimentary Priority Pass Membership worth $99
  6. You get 6 complimentary airport lounge visits per year outside India (Maximum: 2 visits per quarter)
  7. Complimentary access to 8 domestic airport lounges every year
  8. Enjoy complimentary club Vistara Membership
  9. You also get complimentary Trident Privilege red Tier Membership
  10. Lowest foreign currency markup of 1.99%

To learn more about the card, read our SBI Elite Credit Card Full Review.

Author: Himank Mishra

Himank is a highly motivated and dedicated person. He graduated from Ball State University, United States with an MBA in Finance. Himank has a passion for Financial Markets. He wants to help everyone achieve Financial Freedom!