Premium guide

Best Premium Credit Cards in India

For high-spend users comparing premium cards where lounge access, travel value, milestones, and fee recovery matter as much as headline rewards.

Ranked shortlist

Top cards for this search

Ranked from existing SimplifyCards data. Open any card for full rewards, exclusions, redemption, and eligibility details.

#1
Bank of Baroda

BOBCARD Etihad Guest Premium Credit Card

Annual fee
Rs 5,000
Best use case
Best for Etihad Airways Spends
Key reward or benefit
6 Etihad Guest Miles / Rs 100 spent
Major limitation
Fuel transactions
Details
#2
Axis Bank

IndiGo Axis Bank Premium Credit Card

Annual fee
Rs 5,000
Best use case
Best for IndiGo Flight Bookings
Key reward or benefit
7 IndiGo BluChips / Rs 100 spent
Major limitation
fuel
Details
#3
American Express

American Express Platinum Travel Credit Card

Annual fee
Rs 5,000
Best use case
Best for Partner Merchants
Key reward or benefit
3 Membership Rewards Points / Rs 50 spent via Reward Multiplier on select brands
Major limitation
fuel
Details
#4
SBI Card

AURUM SBI Card

Annual fee
Rs 9,999
Best use case
Best for airport lounge access
Key reward or benefit
Unlimited complimentary lounge visits a year across domestic and international.
Major limitation
fuel spends
Details
#5
Standard Chartered

Standard Chartered Ultimate Credit Card

Annual fee
Rs 5,000
Best use case
Best for airport lounge access
Key reward or benefit
28 complimentary lounge visits a year across domestic and international.
Major limitation
Fuel transactions
Details
#6
Equitas Small Finance Bank

Equitas PowerMiles Credit Card

Annual fee
Rs 5,000
Best use case
Best for International POS And Online Purchases
Key reward or benefit
9 Reward Points / Rs 100 spent (3X on international)
Major limitation
Fuel transactions (surcharge waiver only, no reward points)
Details
#7
SBI Card

KrisFlyer SBI Card Apex

Annual fee
Rs 9,999
Best use case
Best for Singapore Airlines Group Spends
Key reward or benefit
10 KrisFlyer Miles per Rs 200
Major limitation
fuel spends
Details
#8
ICICI Bank

Adani One ICICI Bank Signature Credit Card

Annual fee
Rs 5,000
Best use case
Best for Adani One Ecosystem Spends (Flights, Hotels, Airports, CNG, Electricity, Trainman)
Key reward or benefit
7% Adani Reward Points
Major limitation
Fuel payments
Details
#9
RBL Bank

RBL Bank Icon Credit Card

Annual fee
Rs 5,000
Best use case
Best for Dining Spends On Weekends
Key reward or benefit
20 Reward Points / Rs 100 spent
Major limitation
Fuel transactions
Details
#10
IDFC FIRST Bank

IDFC FIRST Mayura Credit Card

Annual fee
Rs 5,999
Best use case
Best for Dining, Travel, Online, International, Birthday, And Incremental Spends Above Rs 20,000
Key reward or benefit
10 Reward Points per Rs 150 spent
Major limitation
Fuel transactions
Details
FAQ

Common questions

How are these premium credit card cards ranked?

SimplifyCards ranks cards using the existing recommendation engine, which weighs fees, rewards, caps, lounge rules, forex markup, milestones, redemption value, exclusions, and card popularity from the verified card dataset.

Are these card details manually verified?

The card data is manually reviewed in the database, but issuer terms can change. Always verify final fees, eligibility, rewards, and exclusions with the issuer before applying.

Do affiliate links affect the ranking?

No. Rankings are generated from card data and scoring logic. Apply links may be affiliate links, but they do not change the order of cards.

Why should I still read the card detail page?

The detail page includes fuller reward tables, exclusions, eligibility, redemption options, latest updates, and caveats that may not fit into a ranked guide summary.

Can I ask for a recommendation based on my own spending?

Yes. Use the Ask SimplifyCards button on this page to continue into the AI ask flow with this search intent.

Affiliate disclosure: Apply links may be affiliate links. We may earn a commission if you apply and are approved, but rankings are generated from card data and scoring logic.

Last updated: June 2026