Best Super Premium Credit Cards in India ,Axis Bank Magnus Credit Card, American Express Platinum Credit Card,HDFC Bank Diners Club Black Credit Card,HDFC Bank INFINIA Credit Card Metal Edition,SBI ELITE Credit Card.
Super-premium credit cards are those that not only offer a high reward rate but also a wide range of value-added benefits, such as unlimited free airport lounge access (both domestic and international), a comprehensive insurance plan, a lower mark-up on foreign currency transactions, alluring travel and dining benefits, and more. These credit cards include high joining and yearly fees, which are often forgiven after meeting the required spending thresholds. Targeting high net worth individuals, super-premium credit cards are either invite-only or have strict eligibility requirements.
1)Axis Bank Magnus Credit Card
One of the most advantageous credit cards available in India right now is the Axis Bank Magnus card. In the credit card industry, Axis Bank keeps moving in the right direction. We offer two fantastic cashback credit cards from Flipkart, Axis and Ace, in the entry sector. Magnus and Reserve, who provide travel and leisure advantages, are included in the luxury class. Beginning in 2022, we obtained the Axis Magnus credit card, which we have been using ever since. Axis has kept enhancing the Magnus over time, making it a more appealing proposition. The Axis Bank Magnus credit card is examined in-depth below.
Fees & Charges
Joining Fee:Rs. 10,000 + GST
Annual Fee:Rs. 10,000 plus taxes
Add-on card annual fee:Nil
Eligibility Required
| Criteria | Details |
| Occupation | Salaried or Self Employed |
| Nationality | Resident of India or a Non-Resident Indian |
| Age* | 21 years to 70 years |
| Minimum Income Required | 18 lakh or more |
| age of add-on cardholders | 18 years above |
Axis Bank Magnus Credit Card Features and Benefits:
Welcome Benefits:
Domestic Flight Ticket or Tata Cliq Voucher
- With this credit card, you receive a free domestic flight ticket (with a maximum discount of Rs. 10,000) or a Rs. 10,000 Tata CLiQ gift.
- On the date of the second statement generation for your credit card, the benefits will be provided to your registered cellphone number through SMS.
- The advantages are only good for six months after you obtain them.
- You will be responsible for the remaining balance if you use your Tata Cliq gift card to purchase an item that costs more than Rs. 10,000.
- When your card membership is renewed each year, you receive these perks. It should be emphasised that you may only choose one of these two bonuses; the other is only accessible to main cardholders.
- To take advantage of the perk, call the Axis Bank Concierge at 1800 103 4962.
Milestone Benefits:
- If you spend Rs. 1 lakh or more in a calendar month, you will receive 25,000 additional Edge Reward Points.
- For the purpose of calculating milestone spend, all expenditures—aside from insurance and wallet reloads—are taken into account.
- The monthly milestone reward will be available to new users starting on the first of the following month after the card’s issuing date.
Travel Benefits:
Domestic Lounge Access:Unlimited lounge access at a few Indian domestic airports. The Magnus Credit Card offers free domestic lounge access to both primary and secondary cardholders.
International Lounge Access:Access to international airport lounges is unlimited and free for main cards with Priority Pass membership. You receive an additional 8 gratis visits for visitors each year in addition to the free visits for primary cards.
Oberoi Hotel Stay Offer:Discounted Stay at Oberoi Hotels – Up to 15% off stays at Oberoi hotels, including a free upgrade to a better room.
Airport Concierge and VIP Meet & Greet :
Airport Concierge Service – Airport meet & greet, concierge service, and 8 complimentary VIP assistance services for help with airport procedures such as check-in, security screening, immigration procedures, and porter services.
At a few airports, you are entitled to the complimentary Atithya Silver service, which costs Rs. 2000 per adult for both arrival and departure. Get a friendly greeting at the aerobridge gate, help from the porter, golf cart gate transfers, and other benefits. The Meet & Greet service at the airport is also available for your companions.
Movie & Dining Benefits:
Benefit from BookMyShow: Purchase one movie or non-movie ticket from BookMyShow and receive Rs. 500 off on the subsequent ticket. This discount may only be used five times per month.
20% off at more than 4,000 restaurants in India as part of the Axis Bank Dining Delights programme. Before they create the bill, let the restaurant staff know about this offer. You will receive the discount if you use your Axis Bank credit card to make the payment.
Insurance Benefits:The Axis Bank Magnus card includes a number of insurance benefits, including purchase protection up to 2 lakhs, air accident cover up to 450 lakhs, credit shield up to 5 lakhs, loss or delay in transportation of your baggage or personal documents up to 500 USD, and lost card liability coverage up to your credit card limit. Inform the bank of the cover you will need and submit the necessary paperwork.
Fuel Surcharge Waiver:For purchases between Rs. 400 and Rs. 4,000, all petrol stations in India will eliminate the 1% fuel levy. The monthly waiver is limited to Rs. 400.
Spends Based Waiver:For purchases between Rs. 400 and Rs. 4,000, all petrol stations in India will eliminate the 1% fuel levy. The monthly waiver is limited to Rs. 400.
2)American Express Platinum Credit Card
The popular card issuer American Express’s Platinum card is one of its most prominent products. It is a premium credit card that offers a variety of travel advantages to make your life simpler when travelling and allows you access to exclusive savings at major hotel chains, airlines, and other businesses.
You also receive a number of benefits, such as unrestricted free access to domestic and international airport lounges. One of American Express’s two charge cards at the moment is this one. One of the special aspects of this card, aside from the travel advantages, is that there is no predetermined credit limit.
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Fees & Charges
Joining Fee:Rs. 60,000 (plus applicable taxes)
Annual Fee:Rs. 60,000 (plus applicable taxes)
Add-on card annual fee:Nil up to 2 add-on cards
Eligibility Required
| Criteria | Details |
| Salaried person | minimum annual income of Rs. 25,00,000 |
| Resident of India | You must be a resident of any of the following cities- Delhi/NCR, Mumbai, Bangalore, Chennai, Pune, Hyderabad, Jaipur, Kolkata, Indore, Coimbatore, Chandigarh/Tricity, Ahmedabad, Surat, Vadodra, Bhopal, Bhubaneshwar, Ernakulam, Vijaywada, Lucknow, Ludhiana, Nagpur, Nasik, Trivandrum, Mysuru, Cuttack & Vizag. |
| Age* | 18 years above |
| Self Employed | a minimum annual income of Rs. 15,00,000 (and their company must have been trading for at least 12 months). |
American Express Platinum Card Features and Benefits:
Welcome Benefits:Spend Rs. 50,000 during the first two months of receiving the card, and you’ll receive stay certificates worth Rs. 45,000 from Taj, SeleQtions, and Vivanta Hotels.
Travel Benefits:
- Access to partner lounges in India is unrestricted on the domestic level.
- access to more than 1,200 airport lounges worldwide, including Centurion, American Express, Priority Pass, Escape, and Delta Sky Club lounges.
- Fast track upgrade to higher tier membership at renowned hotel loyalty programmes worldwide, such as Taj Reimagined Epicure, Marriott Bonvoy Gold Elite Status, Hertz Gold Plus Rewards, Radisson Rewards Gold Status, and Hilton Honours Gold Status, without having to meet the typically required requirements.
- Taj, SeleQtions, and Vivanta hotels all provide a 25% discount.
- Exclusive discounts on some of the best airlines in the world, including Delta Airlines, Emirates, Qatar Airways, Virgin Atlantic, British Airways, Air France, and KLM.
- Guaranteed 4 PM late check-out, room upgrades at check-in (if available), daily breakfast for two, WiFi, or a unique perk at each resort for USD 100 are just a few of the complimentary perks worth Rs. 37,000 at 5-star hotels.
- Concierge services are available around the clock for hotel and airline reservations.
- advantages from travel-related insurance, including a $5 billion life insurance policy.
- On overnight Platinum Luxury Rail Journeys in Europe, pre- or post-departure fine dining is available for up to $100 per person.
Movie and Dining Benefits:
- Over 1800 upscale restaurants across India are offering discounts of up to 50% on dining expenses.
- a 24-hour VIP hotline, free beverages, and preferred reservations.
Golf Benefits:You are granted free admission to more than 30 golf courses in India and more than 50 golf courses worldwide if you have an American Express Platinum Credit Card.
Fuel Surcharge Waiver:
- For transactions up to Rs. 5,000, there is no fuel cost at HPCL gasoline stations (a 1% surcharge is applied after that).
- 1% fuel premium (subject to a minimum surcharge of Rs. 10) at BPCL and IOCL petrol stations.
- 2.5% fee (with a minimum cost of Rs. 10) at all other fueling locations.
Insurance Benefits:
Personal air accident (loss of life)- 5 crore insurance cover
Loss of check-in baggage, passport, documents- 50000 insurance cover
Overseas medical insurance-USD 50,000 insurance cover
- Protection against the loss or damage of tangible things as a result of fire, burglary, or natural disasters within 90 days of purchase.
- Protection for your wallet, including fraud protection, is worth Rs. 15 Lacs.
- Emergency cash and hotel and travel assistance in India up to Rs. 2 lacs.
3)HDFC Bank INFINIA Credit Card Metal Edition
With benefits in many different areas, including travel, incentives, shopping, dining, and more, the HDFC INFINIA Metal Edition Credit Card is best suited for those with high earnings.
For clients who make large purchases, the HDFC Infinia Credit Card is a great solution because of its high reward rate.
With this card, HDFC takes into account the demands of its high-end clients who frequently go abroad and provides a reduced foreign exchange rate of 2% as well as a free Priority Pass membership. As a Reward Points credit card, the HDFC Infinia Metal Edition Credit Card offers 5 Reward Points for every Rs. 150 you spend using it.
Although the annual membership fee for this card is a little higher, at Rs. 10,000, it is still worthwhile, and if you are financially secure and cannot compromise on your lifestyle needs, it may be the card of choice for you.
Fees & Charges
Joining Fee:Rs. 12,500 + applicable taxes
Annual Fee:Rs. 12,500 + applicable taxes
Add-on card annual fee:Nil
Eligibility Required
| Criteria | Details |
| Occupation | Salaried or Self Employed |
| Nationality | Resident of India or a Non-Resident Indian |
| Age* | 21 years to 65 years |
| Minimum Income Required | stable income every months |
DFC Infinia Credit Card Metal Edition Features and Benefits
Welcome Benefits:
As a welcome gift, HDFC provides you with a free one-year membership to Club Marriott, as part of which you can use this card to receive discounts of up to 20% on restaurant bills for a total of 10 guests as well as 20% off the best available rates at participating Marriott hotels in India and on weekend rates throughout the Asia Pacific.
After successfully paying the registration fee, you also receive 12,500 additional reward points as part of your welcome package.
Travel Benefits:
1)Airport Lounge Access:
For primary and add-on Infinia cardholders, get unlimited free access to domestic and international lounges around the world with Priority Pass membership. Always have your Priority pass card on you to use the free lounge access, and the lounge personnel will want to see it. Please keep in mind that the Priority Pass will charge USD 27 (plus applicable taxes) for each visit and for each visitor.
You receive unlimited free lounge access if you use the lounge advantage offered by the Infinia Credit Card Lounge Access Programme. (Visa cardholders will be charged a transaction fee of Rs. 2)
2)Club Marriott Membership:
Additionally, you receive a one-year membership to the Club Marriott loyalty programme, giving you access to a 20% discount on the best rates at some of India’s most opulent hotels as well as on weekend rates throughout the Asia Pacific.
3)ITC Hotels Complimentary Stay Benefits:
When you book a 2-night stay, you’ll receive a free night at one of our partner ITC hotels. With the HDFC Bank Infinia credit card, guests at participating ITC Hotels may stay three nights for the price of two.Only those who make reservations in advance are eligible for this promotion.
Flight Bookings:The HDFC Bank Infinia Credit Cardholders’ Reward Points earned on their credit card may be used to book flights using the HDFC Bank Smartbuy platform. For use in lieu of a flight reservation, 1 reward point is worth Re. In addition to this, you may get amazing offers and discounts.
Dining Benefits:
1)Club Mariott membership:
With the INFINIA Credit Card Metal Edition, you may benefit from a free Club Mariott membership for the first year. With this, you are qualified to take advantage of the following benefits:
- Get discounts of up to 20% on food and beverage costs at renowned eateries.
- Get up to 15% off at particular hotels, with a limit of 10 people.
- Take advantage of 20% off the Best Available Rates for accommodations at partnering Marriott hotels in India and on weekend rates around Asia Pacific.
- Between Monday and Friday, receive 20% off Spa services at specific participating Marriott hotels in India.
- Apply for membership through the Club Marriott South Asia App, where you may verify your mobile number and email address and enter the membership number to generate your login information. Then, open your Membership to gain access to a number of Marriott hotel benefits.
2)Good Food Trail Program:Enjoy a variety of additional eating advantages through the Good Food Trail programme, which includes a complimentary one-year subscription to Dineout. The Dineout Passport has the following advantages:
- a guaranteed 25% discount at more than 2000 exclusive eateries.
- 200+ restaurants provide the 1+1 buffet.
- 1+1 meals and beverages at particular establishments.
On special days like Valentine’s Day, Christmas Eve, and New Year’s Day, these discounts will not be available. Additionally, only the primary cardholder is eligible for the Dineout passport membership benefits.
3)ITC Complimentary Buffet:
With the HDFC Bank INFINIA Credit Card, take advantage of exclusive discounts on travel and dining at ITC Hotels.
With the HDFC Bank Infinia Credit Card, you may receive a 1+1 complimentary buffet at participating ITC Hotels (one complimentary buffet per booking and one booking per month). Obtaining this deal To make a reservation, contact HDFC INFINIA’s 24 hour concierge service.
Golf Privileges:
Golf games are unlimitedly free with the INFINIA Credit Card at top Indian golf courses and a few other venues throughout the globe.
Each golf session lasts for a minimum of 30 minutes and includes the following: • Green fees for using the driving range or golf course.
- Fees for instructors
- 50 golf balls are ranged per lesson.
Additionally, take advantage of the benefit of Unlimited Free Golf Coaching at Selected Courses Across India. You must reserve your slot through the HDFC INFINIA 24-7 concierge services in order to take advantage of this offer.
Insurance Benefits:
Accidental air death-Rs. 3 crores Insurance Coverage
Medical emergency cover-Up to Rs. 50 lakhs Insurance Coverage
Credit shield-Rs. 9 lakhs Insurance Coverage
Credit liability-Rs. 9 lakhs Insurance Coverage
Fuel Surcharge Waiver:
All gasoline purchases made with the HDFC Bank Infinia credit card between Rs. 400 and Rs. 1,00,000 are exempt from the 1% fuel surcharge (the maximum waiver is Rs. 1,000 per month).
Spend-based Renewal Fee Waiver:If Rs. 10,00,000 was spent on your card the year prior, the renewal cost of Rs. 12,500 is waived.