7 Best Super Premium Credit Cards In India (Top 2024 Picks)

Best Super Premium Credit Cards in India

In the world of high-end credit cards, 2023 brings a fresh lineup of the best Super Premium Credit Cards in India. Do you know what makes them Super Premium? Their high annual fee and the compulsory feature where you need to spend at least Rs.8 lakh per annum. Not just that, there are many other things to it.

Best Super Premium Credit Cards in India

Join us as we explore the 7 Best Super Premium Credit Cards available in India this year!

(A) What are Super Premium Credit Cards?

Super premium credit cards are like the “cream layer” of credit cards. They are made for people who really want the best while pouring out enormous amounts of money. These cards come with amazing perks, like getting into fancy airport lounges, having someone help you with tasks, and getting extra protection when you travel or shop. 

They also give you cool rewards, like points or cash back, which you can use for cool stuff or to pay your card bill. While they cost a lot each year. But they’re perfect for people who love luxury, travel a lot, and want special treatment from their credit card. 

You can say that it’s like a ticket to a world of amazing benefits for those who want something extraordinary.

(B) Differences: Super Premium Credit Cards vs Premium Credit Cards vs Ordinary Credit Cards

When it comes to credit cards, there are three main types: super-premium, premium, and ordinary. Each type has its own features and benefits. In this discussion, we’ll break down the differences between these three categories so you can choose the one that fits your needs and preferences.

AspectsSuper Premium Credit CardsPremium Credit CardsOrdinary Credit Cards
Annual FeeHighModerate Low
Exclusive BenefitsExtensive & LuxuriousGood range of perksBasic benefits
Travel PrivilegesGlobal lounge access, elite statusAirport lounge access, some travel benefitsLimited or no travel perks
Concierge Services24/7 assistance for tasksLimited concierge servicesNot typically offered
Travel and Purchase ProtectionComprehensive coverageStandard ProtectionBasic or none
Rewards ProgramGenerous with substantial rewardsModerate rewardsLimited rewards
Eligibility RequirementHigh income and credit scoreGood credit scoreVaries, may not be as strict
Target AudienceHigh-income group,Frequent travelers,Luxury enthusiastsTravelers and individuals seeking added perksGeneral Consumers
Overall SophisticationHighAbove averageBasic
Super Premium Credit Cards vs Premium Credit Cards vs Ordinary Credit Cards

However, you must note that the specifics of these cards can vary depending on the issuing bank and card offering, but this table provides a general overview of the typical differences.

(C) 7 Best Super Premium Credit Cards in India

Let’s have a brief overview of 7 Best Super Premium Credit Cards in India based on the annual fee-

Card’s NameAnnual FeeMin. Income (Monthly)Best for
Axis Bank Reserve Credit CardRs.50,000Over Rs.1 lakhHotel Benefits
Induslnd Bank Pinnacle Credit CardRs.12,999Rs.1.5 lakhOnline Shopping
ICICI Bank Emeralde Credit CardRs.12,000Rs.3 lakhLifestyle Privileges
HDFC Bank Diners Club Black Credit CardRs.10,000Rs.1.75 lakhAll-round Benefits
HDFC Bank Infinia Credit CardRs.10,000Communicated at
the time of sourcing
Travel and Shopping
Axis Bank Magnus Credit CardRs.10,000Communicated at
the time of sourcing
Travel and Dining
YES FIRST Exclusive Credit CardRs.9,999Rs.4 lakhReward and Travel
7 Best Super Premium Credit Cards in India

(C.1) Axis Reserve Credit Card

Axis Reserve Credit Card (Premium Credit Cards in India)

This is one of the most desired premium credit cards in India. With a joining fee of Rs.50,000, you will get different sorts of luxurious perks.

Joining FeeRs.50,000
Chauffeured Airport Service4 chauffeured luxury airport drops and pickups per year
Lounge AccessUnlimited domestic lounge access
Unlimited international lounge access with priority pass membership.
Dining BenefitsClub Marriott Asia Pacific Membership: 20% off on food and beverages.
20% off at participating Marriott hotels in India and Asia Pacific (on weekend rates).
15% savings at Postcard hotels.
Golf Privileges50 golf rounds annually at India’s top golf courses.
Entertainment PerksBookMyShow offers: Buy 1, Get 1 ticket.
Buy 1 ticket and get up to Rs.500 off on the second ticket (maximum 5 times per month).
For 1 non-movie ticket get up to Rs.1,000 discount on the second ticket (maximum 5 times per month).
Up to 25% savings with EazyDiner Prime Membership at premium restaurants.
Reward Points15 edge reward points for every Rs. 200 spent.
Twice the rewards on international expenses.
Airport drops & pickups (4 times),
Domestic lounge access (unlimited),
Rewards on International spends
Foreign Currency FeesLow foreign currency mark-up fee of 1.5%.
Cash Withdrawal ChargesNil
Fuel Surcharge Waiver1% fuel surcharge waiver on fuel transactions ranging between Rs.400 to Rs.4,000.
Features of Axis Reserve Credit Card

(C.2) Induslnd Bank Pinnacle Credit Card

Induslnd Pinnacle Credit Card

IndusInd Bank offers the Pinnacle Credit Card, which falls under the super-premium category, tailored for those who love shopping and traveling. This credit card provides a range of benefits, including welcome perks.

Joining FeeRs.12,999 + Applicable Taxes
Renewal FeeNil
Spend-based WaiverNil
Complimentary BenefitsComplimentary night stay at Oberoi Hotel,
Luxe Gift Card,
Gift vouchers from brands like Vero Moda, ALDO, etc.
Online Spending2.5 reward points for every Rs.100 spent
Online Travel and Flight Bookings1.5 reward points for every Rs.100 spent   
Other Categories1 reward point for every Rs.100 spent
Lounge Access
Domestic Lounge Access1 Complimentary access every quarter
International Lounge Access (Priority Pass)2 Complimentary accesses
BookMyShowBuy 1 Get 1 offer on movie ticket bookings
Golf Benefits
Golf Lessons4 Complimentary lessons per month
Golf Games2 Complimentary games per month
Other Waivers
Fuel Surcharge Waiver1% fuel surcharge waiver on all fuel transactions
Insurance CoverAir accident cover worth Rs.25 lakhs and additional insurance coverage
Induslnd Pinnacle Credit Card

(C.3) ICICI Bank Emeralde Credit Card

ICICI Emeralde

The ICICI Bank Emeralde Credit Card is a top-tier lifestyle card designed for High Net Worth Individuals seeking luxurious perks. It offers a range of high-end benefits, including unlimited complimentary access to airport lounges, golf lessons and rounds at prestigious golf courses, and exclusive hotel memberships. 

With its extensive array of advantages, it ranks among the most distinguished super-premium credit cards available in India.

Joining FeesRs.12,000 (annual plan)
Rs.1,000 (monthly plan)
Earning Rewards4 Payback points on every Rs.100 spent on all retail transactions except fuel.
BookMyShow OfferBuy one ticket and get up to Rs.750 off on the second ticket, up to 4 times every month
International Lounge AccessUnlimited complimentary access to international airport lounges under the Dreamfolks Membership Programme
Domestic Lounge AccessUnlimited complimentary access to select lounges at Indian airports with your ICICI Bank Emeralde Credit Card
Golf BenefitComplimentary round/lesson of golf on spending Rs.50,000 or more in the previous calendar month, up to a maximum of 4 rounds/lessons every month.
Domestic Airport Spa AccessUnlimited complimentary access to domestic airport spas through the Dreamfolks Membership
Benefits of International TravelLow 1.5% mark-up fee on international transactions, reduced 1.99% APR on ATM cash withdrawals, no over-limit fee, no cash withdrawal fee, no late payment charges, no cancellation charges on travel and hotel bookings.
Concierge Service24×7 concierge service for various needs, from finding gifts to travel and hotel reservations
ICICI Bank Emaralde Credit Card

(C.4) HDFC Diners Club Black Credit Card

HDFC Diner Club (one of the famous Premium Credit cards in India)

Look into the details of it in the following table-

Features Details
Joining FeeRs.10,000
Welcome BenefitsNumerous Memberships
Complimentary MembershipsAnnually for Forbes, Club Marriott, MMT Black, Times Prime, Amazon Prime, and Swiggy One membership is available for three months every year.
Automatically provided after realizing the annual membership fee from the second year onwards.
Compulsory SpendingINR 1.5 lakh within 90 days of the card’s activation in the first year.
Reward Points5X reward points on spending Rs.150.Up to 10X reward points on any purchase from SmartBuy.
Dining2X reward points on weekend dining
GolfSix golf games across the world per quarter.
Travel DiscountsDiscounts on flight and hotel booking via SmartBuy.
WellnessWellness benefits include discounts in spas, gymnasiums, salons, and wellness retreats.
Interest-Free Period50 days
Lounge AccessUnlimited lounge access in India and internationally for both primary and secondary cardholders.
Insurance CoverageAir accident insurance cover of Rs.2 crore
Emergency overseas hospitalization of Rs.50 lakh.
Travel insurance cover of Rs.55,000
Credit liability cover of up to Rs.9 lakh
ProsReward points on all types of payments.
ConsDineout Passport membership was discontinued this year.
HDFC Diners Club Black Credit Card

(C.5) HDFC Infinia Credit Card

HDFC Infinia Credit Card (Premium Credit Cards in India)

Here, you will get cashback on all retail spending. Such as insurance, utilities, education, and rentals. Also, you will get different kinds of insurance coverage. Do you know what the best part of HDFC Infinia Credit Card is? It’s golf games! Look at the following table to find more details-

Joining FeeRs.12,500
Initial Reward Points12,500 reward points on card activation
Club Marriott MembershipComplimentary 1-year membership offering up to 20% discounts on dining and stay across Asia-Pacific.
Annual Reward Points12,500 reward points annually upon realization of the previous year’s annual fee.
Fee RedemptionINR 10 lakh spending offers fee redemption, but forfeits 12,500 reward points.
Retail Spend Rewards5 reward points on every INR 150 spent, including insurance, utilities, education, and rent.
Travel and Shopping Rewards10 times reward points on travel and shopping spends through SmartBuy.  
Golf BenefitsUnlimited complimentary golf coaching and games at select courses in India and worldwide.
Customer Support24/7 phone support available for customer queries
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions over INR 400 and INR 100,000 at all fuel stations in India.
Airport Lounge AccessUnlimited access to domestic and select international airport lounges using Priority Pass for primary and add-on cardholders.
ITC Hotel BenefitsComplimentary nights and weekend buffet at participating ITC hotels.
Insurance CoverageAccidental air death cover of INR 3 crore.Emergency overseas hospitalization of INR 50 lakh.
ProsUnlimited golf coaching and games.Unlimited airport lounge access.Flexible reward points value
ConsThe value of reward points varies with usage
HDFC Infinia Credit Card

(C.6) Axis Bank Magnus Credit Card

Magnus Credit Card

The exclusive features of Axis Bank Magnus Credit Card are described in the following table-

Joining FeesRs.10,000
Annual Benefit ChoiceSubscribers can choose between one complimentary domestic flight ticket.
And a Tata CLiQ voucher of INR 10,000 as an annual benefit.
Lounge AccessUnlimited domestic and international airport lounge visits.
Cash WithdrawalNo cash withdrawal fee
Fuel Surcharge Waiver1% fuel surcharge waiver for transactions between INR 400 to INR 4,000.
EDGE Rewards Points25,000 EDGE reward points worth INR 5,000 on monthly spends of INR 1 lakh.
5X EDGE reward on travel spends via TRAVEL EDGE. 
12 EDGE reward points for every INR 200 spent.
2X EDGE reward points on purchases at MakeMyTrip, Yatra, Goibibo, and more.
Concierge ServicesServices of a dedicated concierge are available on the phone.
Hotel DiscountsA flat 15% off and a complimentary room upgrade at all Oberoi properties in India.
Movie DiscountsBuy one movie or non-movie ticket and get up to INR 500 off on the second.
Dining DiscountsUp to 20% discount at over 4,000 restaurants across India.
Insurance and HealthcareAir accident cover, purchase protection, lost card liability programs, and more.
Expert medical opinion from a panel of world-class specialists available for users.
Healthcare packages from SRL Diagnostics, Dr.Lal PathLab, and Metropolis.
ProsUnlimited Golf GamesUnlimited domestic and international airport lounge visits.
ConsRedemption of EDGE reward points can be challenging.
Axis Bank Magnus Credit Card

Note: Do you know various changes occurred in Axis Bank credit cards? We have thoroughly covered these changes in “What Changed For Axis Bank Credit Cards? Uncovering The Details.” You can check it out for more details.

(C.7) YES FIRST Exclusive Credit Card

YES Bank super premium credit card

The YES FIRST Exclusive Credit Card is a high-tier credit card designed to provide users with both rewards and lifestyle advantages. In addition to these perks, cardholders can enjoy complimentary access to both domestic and international airport lounges. This card is an excellent choice for individuals seeking a blend of travel and lifestyle benefits alongside reward points. 

Here’s a comprehensive overview of this credit card-

Joining FeeRs.999 (Waived off on spending Rs.75,000 within 90 days of card activation)
Reward PointsUp to 12 reward points per transaction
6 reward points per Rs.200 spent on selected categories  
12 reward points per Rs.200 spent on other categories
5X reward points on the first 3 transactions with registered billers
Redeem points for Airmiles, flight/hotel bookings, or merchandise
Lounge Access3 domestic lounge accesses per quarter for primary and add-on cardholders  
Unlimited international lounge access with Priority Pass Membership    
Golf Privileges4 complimentary rounds of green fees per year at selected Indian golf courses1
complimentary golf lesson per month at selected golf courses
Other BenefitsMilestone Benefit: 25,000 bonus reward points on spending Rs.20 lakh in a year
25% discount on movie tickets via BookMyShow website or app
Insurance Coverage: Rs.3 crore life insurance,
Rs.50 lakh medical insurance,
Rs.10 lakh credit shield1% fuel surcharge waiver
(up to Rs. 1,000 per statement cycle) on transactions between Rs.400 and Rs. 5,000
YES FIRST Exclusive Credit Card

(D) How Super Premium Credit Cards different from Premium Credit Cards?

Super Premium credit cards and Premium credit cards are different categories of credit cards in India. Super Premium credit cards are designed for individuals with high incomes and offer exclusive benefits and privileges. On the other hand, Premium credit cards are also suitable for individuals with good income but may not have the same level of exclusive benefits as Super Premium cards.

Super Premium credit cards typically provide luxurious perks such as complimentary airport lounge access, concierge services, higher credit limits, exclusive dining and travel benefits, and enhanced rewards programs. These cards are offered by top credit card providers like HDFC, ICICI Card, and Axis Bank.

Premium credit cards, while still offering excellent features, may not have the same level of exclusivity as Super Premium cards. They provide benefits like reward points, discounts on shopping, fuel surcharge waivers, and travel vouchers. The HDFC Bank Platinum Plus Credit Card is an example of a Premium credit card.

Note: We have already explained “12 Most Premium Credit Cards in India (2023 Top Reviews).” Go through the article for more details.

(E) How much do you need to spend on Super Premium Credit Cards?

The spending requirements for super premium credit cards in India vary depending on the specific card. For example, some super premium credit cards may require you to spend Rs.8 lakh or more in order to have the annual fee waived. Other cards may offer amazing rewards if you spend more than Rs.1.5 lakh a month. It’s important to check the terms and conditions of each credit card to determine the specific spending requirements and benefits associated with it.

(F) Conclusion of Best Super Premium Credit Cards in India

In the world of fancy credit cards, these 7 Best Super Premium Credit Cards in India for 2023 are the kings. They offer incredible benefits like access to fancy airport lounges, lots of rewards, and special perks for travel and luxury living. These cards are not for everyone but are perfect for those who want a taste of the high life. 

In conclusion, these cards are like keys to a world of luxury and special treatment. If you’re looking for a card that’s a cut above the rest, these top 2023 picks are worth considering.

Related Posts:

Photo of author
Published By: Supti Nandi
Notify of
Inline Feedbacks
View all comments