Best Premium Credit Cards
Explore top cards like the HDFC Bank INFINIA Metal Credit Card, IDFC FIRST Wealth Credit Card, Bank of Baroda World Agniveer Debit Card, OneCard Metal Credit Card, and 44 more.
Read our full Premium guide →
48 Cards Found
HDFC Bank INFINIA Metal Credit Card
Joining Fee:
₹12,500 + GST
Renewal Fee:
₹12,500 + GST
Reward Type:
Reward Points
IDFC FIRST Wealth Credit Card
Joining Fee:
Lifetime Free
Renewal Fee:
Lifetime Free
Reward Type:
Reward Points
Bank of Baroda World Agniveer Debit Card
debitIssuance Fee:
Lifetime Free
AMC Fee:
Lifetime Free
Reward Type:
Other Benefits
OneCard Metal Credit Card
Joining Fee:
Lifetime Free
Renewal Fee:
Lifetime Free
Reward Type:
Reward Points
RBL Bank LUMIERE Credit Card
Joining Fee:
₹50,000 + GST
Renewal Fee:
Not Available
Reward Type:
TMB Phoenix Credit Card
Joining Fee:
Free (1st year)
Renewal Fee:
₹500 + GST
Reward Type:
Apollo SBI Credit Card
Joining Fee:
₹1,499 + GST
Renewal Fee:
₹1,499 + GST
Reward Type:
Reward Points
Axis Bank Business Platinum Debit Card
debitIssuance Fee:
₹500 + GST
AMC Fee:
₹500 + GST
Reward Type:
Reward Points
Axis Bank Business Supreme Debit Card
debitIssuance Fee:
₹1,000 + GST
AMC Fee:
₹1,000 + GST
Reward Type:
Reward Points
Axis Bank Power Salute Debit Card
debitIssuance Fee:
Lifetime Free
AMC Fee:
Lifetime Free
Reward Type:
Bank of Baroda Bhoomi RuPay Select Debit Card
debitIssuance Fee:
₹500 + GST
AMC Fee:
₹500 + GST
Reward Type:
Instant Discounts, Merchant Vouchers
Bank of Baroda VISA Vyapaar Debit Card
debitIssuance Fee:
Free (1st year)
AMC Fee:
₹250 + GST
Reward Type:
Premium Credit Cards - 162 Options, Zero Fee to Flagship
"Premium" spans a huge fee range - a zero-fee card listing Premium as a category won't offer the same lounge access or concierge depth as a flagship product costing tens of thousands.
Entry-Level "Premium" vs True Flagship
Don't assume every card tagged Premium offers flagship-level perks - check specific lounge access, concierge, and transfer-partner benefits, which scale meaningfully with fee tier rather than the category label alone.
Representative Premium-Category Cards
| Card | Fee | Reward Type | Best For |
|---|---|---|---|
| IDFC FIRST Wealth Credit Card | Lifetime Free | Reward Points | Premium, travel, shopping |
| Adani One ICICI Bank Platinum Credit Card | ₹750 + GST | Reward Points | Adani ecosystem premium |
| HDFC Bank Regalia Gold Credit Card | ₹2,500 + GST | Reward Points | Mid-tier premium travel |
| HDFC Bank INFINIA Metal Credit Card | ₹12,500 + GST | Reward Points | Flagship premium travel and dining |
| American Express Platinum Charge Card | ₹66,000 + GST | Reward Points | Top-tier charge card |
How to Choose
Premium spans zero fee to ₹66,000 - check actual benefits, not just the label
IDFC FIRST Wealth is zero fee and lists Premium among its categories, but flagship cards like HDFC Bank INFINIA Metal (₹12,500 + GST) and American Express Platinum Charge Card (₹66,000 + GST) offer substantially deeper lounge access, concierge, and transfer benefits.
Corporate premium cards are a separate track
American Express Gold Corporate Card and Platinum Corporate Card list Premium among their categories but are business-purpose products, typically issued through a company relationship.
Adani One Platinum uses its own points ecosystem
Adani One ICICI Bank Platinum Credit Card (₹750 + GST) is a lower-fee premium-category card, but its points redeem specifically within Adani's ecosystem rather than a general rewards catalogue.