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These five premium credit cards provide excellent value on high-end purchases

These cards come with a slew of exclusive perks, but they come with a hefty annual fee.

Credit cards nowadays not only serve as a means of payment, but also as a source of exclusive discounts and benefits that add a touch of luxury to your lifestyle. Super-premium credit cards provide exclusive travel, dining, and shopping benefits, as well as bonus reward points, lifestyle benefits, and more. They do, however, come with a hefty annual fee.

Finding the best credit card with super-premium benefits can be difficult with so many options on the market. Paisabazaar has done the research and identified the best super premium credit cards on the market to assist you in finding your perfect companion.

Induslnd Bank
Induslnd Bank

HDFC Diners Club Black Credit Card offers annual memberships to Club Marriott, Forbes, Amazon Prime, Zomato Pro, Times Prime, and more. Image source: HDFC Bank On monthly spends of over Rs 80,000, it also offers vouchers from Ola Select, cult.fit Live, BookMyShow, and TataCliQ. On all foreign currency transactions, the card charges a foreign currency markup fee of 1.99 percent. The cardholder has unlimited access to airport lounges in India and around the world. This credit card has an annual fee of Rs 10,000.

SBI Card is the source of this image. Amazon Prime, Zomato Pro, Lenskart Gold, Discover Plus, EazyDiner Prime, and other services are available for free with the SBI Aurum Credit Card. As a welcome bonus, the cardholder receives 40,000 reward points and four free movie tickets each month. On all foreign currency transactions, the card charges a foreign currency markup fee of 1.99 percent. The cardholder has unrestricted access to international airport lounges. This credit card has an annual fee of Rs 10,000.

HDFC Bank
HDFC Bank

HDFC Bank Infinia Credit Card Metal Edition comes with a complimentary year of club Marriott membership as well as complimentary nights and weekend buffets at participating ITC hotels. All foreign currency transactions on the card are subject to a 2% foreign currency markup fee. The card provides primary and add-on members with unlimited access to airport lounges around the world. This credit card has an annual fee of Rs 12,500.

Every year, the Citi Prestige Credit Card offers benefits worth Rs 10,000 from the Taj Group or ITC Hotels. Image source: Citi Bank. Both primary and add-on cardholders have unlimited access to the priority pass lounge. It offers a complimentary night stay when you book a minimum of four nights in a row at any hotel or resort, as well as several other perks. This credit card has an annual fee of Rs 20,000.

ICICI Bank
ICICI Bank

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Axis Bank is the source of this image. Oberoi Hotels and Resorts offer exclusive offers through the Axis Bank Reserve Credit Card. It also includes complimentary memberships to Club ITC Culinaire, Accorplus, Club Marriott Asia Pacific, and EazyDiner Prime. In addition, the cardholder receives four complimentary chauffeured luxury airport pick-ups/drops per year, eight complimentary VIP assistance services at the airport, 50,000 reward points on card activation and renewal, and a variety of other benefits across all spending categories. This credit card has an annual fee of Rs 50,000.

SBI card
SBI card

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Maintain a disciplined approach to credit usage. It is critical that once you have a credit card, you use it wisely and responsibly. Due to the long interest-free period offered by credit cards, there may be a temptation to overspend while on vacation at partnered hotels or resorts, as well as when shopping at partnered merchants. If you spend more than you can afford and don’t pay your credit card bill on time, you’ll be hit with high interest rates of 28 to 49 percent per year, as well as late payment fees.

The credit cards were shortlisted by Paisabazaar based on the super-premium benefits offered by each card in comparison to the annual fees. As of December 20, 2021, all credit card information has been sourced and updated. These super-premium credit cards are listed in order of lowest annual fee.

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