Best premium credit cards

Heads-up: Access to the domestic Centurion American Express Lounges in Delhi and Mumbai was discontinued with effect from 1 September 2023.

Heads-up: Access to the domestic Centurion American Express Lounges in Delhi and Mumbai was discontinued from 1 September 2023.

Heads-up: Rs. 5,999 plus GST — Rs. 7,079 — with no spend-based fee waiver, only a points benefit at Rs. 8 lakh or Rs. 15 lakh of annual spending.

Heads-up: The Rs. 5,000 plus GST fee is waived only on Rs. 4,80,000 of spending a year, about Rs. 40,000 a month.

Heads-up: The Rs. 12,500 plus GST fee is waived only at Rs. 10,00,000 of spending in a card anniversary year, about Rs. 83,000 a month.

Heads-up: The Rs. 4,999 plus GST fee is waived only above Rs. 8,00,000 of annual spending, about Rs. 67,000 a month.

Heads-up: Gold and jewellery, rent, wallet loads, government institutions, insurance, fuel, utilities and telecom spends are excluded from milestone…

Heads-up: Rs. 1,10,000 a year, the highest fee in this catalogue by a wide margin, with no spend-based waiver published at any level.

Heads-up: Rs. 5,000 plus GST is Rs. 5,900 a year, and RBL publishes no spend level at which it is waived or reversed.

Heads-up: 4 Reward Points are worth Re. 1, so the 10X tier is an effective 2.5% back and the base rate is 0.5%.

Heads-up: Adani Reward Points redeem only through the Adani One portal or app. They cannot be taken as cashback, statement credit or airline miles.

Heads-up: From 13 March 2025 the international lounge allowance is one complimentary visit a calendar quarter, down from the earlier Priority Pass…

Heads-up: IndiGo does not publish a fixed value for a BluChip. Redemption is dynamic — roughly Rs. 0.40 to Rs. 0.60 a chip — so the headline earn…

Heads-up: New cards on the Mastercard network were stopped under RBI direction, so this card may not be open to new applicants. Confirm availability…

Heads-up: The Rs. 4,999 annual fee is reversed only on annual spends of Rs. 15,00,000 — the highest threshold on any SBI card.

Heads-up: 3.5% foreign currency markup on the card whose 3x tier is international spending, so the accelerated rate is partly offsetting the card's…

Heads-up: No spend-based waiver is published for the Rs. 3,000 plus taxes renewal fee.

Heads-up: International transactions earn no Air Miles, so the 2% markup saving and the reward rate never apply to the same spending.

Heads-up: The redemption value is stated as up to Rs. 0.40 a point rather than as a fixed figure, so the return cannot be calculated exactly.

Heads-up: Value is paid at annual spend milestones rather than as a rate, so spending below Rs. 2,00,000 a year earns no White Pass value at all.

Heads-up: A Reward Point is worth Rs. 0.25, so the headline rates convert at a quarter of their face value. 20 points per Rs. 100 is an effective 5%…

Heads-up: SBI Card discontinued new issuance of this card from 11 March 2025, and Etihad Guest co-branded benefits (including Miles earning) ended on…

Heads-up: 10% Swiggy cashback is capped at ₹1,500 per billing cycle — ₹15,000 of Swiggy spend earns the maximum, and anything beyond it earns nothing…

Heads-up: This variant is secured against a fixed deposit of Rs. 50,000 or more. The deposit is locked for as long as the card is held.

Heads-up: BluChips redeem only against IndiGo bookings, and IndiGo publishes no fixed rupee value — about Rs. 0.40 to Rs. 0.60 a chip.

Heads-up: This card is secured against a fixed deposit. The deposit is locked for as long as the card is held.

Heads-up: This card is secured against a fixed deposit of Rs. 5,000 or more. The deposit is locked for as long as the card is held.