Last Updated:July 08, 2025, 17:35 IST
High-end credit cards such as Axis Bank Primus and HSBC Taj are designed for individuals who want premium perks and luxury experiences.
Mid-range cards may suit moderate spenders better despite fewer perks. (Representative Image)
They come with high joining fees and require excellent credit scores and strong banking relationships. Here are the top 7 options in India:
Axis Bank Primus Credit Card
This card is packed with travel rewards. You earn 1 EDGE Mile for every Rs 100 spent, which converts to 5 partner airline miles—a great value for frequent flyers. Perks include unlimited lounge access, concierge services, and international benefits. It is best for luxury travellers.
Joining Fee: Rs 5,00,000 + GST
HSBC Taj Credit Card
Perfect for fans of the Taj Hotel group, this card offers points on global spending and luxury shopping. Enjoy access to Taj’s private lounges, limousine transfers, and 25 per cent off at Taj restaurants worldwide. It is ideal for those who often stay at Taj properties.
Joining Fee: Rs 1,10,000 + GST
American Express Platinum Charge Card
This card has no preset spending limit and offers top-tier perks. You get Rs 60,000 worth of hotel vouchers (Taj, Luxe, Postcard), and access to over 1,300 airport lounges, including Centurion lounges. Earn 5× Membership Reward Points via their Reward Multiplier, and 3 MR Points per Rs 40 on international spending.
Joining Fee: Rs 66,000 + GST
Axis Bank Burgundy Private Credit Card
A great option for luxury lifestyle benefits, this card offers 50 complimentary golf games annually and free memberships to Club Marriott, Accor Plus, Taj Epicure, and EazyDiner Prime. It also includes unlimited lounge access, BOGO offers on movies or events, and lifestyle insurance coverage.
Joining Fee: Rs 50,000 + GST
Axis Bank Reserve Credit Card
You get 2× EDGE points on international spending, a low 1.5 per cent forex markup, and free chauffeur pick-ups. It also includes 50 complimentary golf sessions per year in India. A great all-rounder card for both domestic and international luxury experiences.
Joining Fee: Rs 50,000 + GST
IDFC First Private Credit Card
This card offers up to 10× reward points on select spending, bonus points on birthdays, and insurance payments. It includes unlimited spa and lounge access for both primary and add-on cardholders. It is also excellent for international usage as it charges no forex markup.
Joining Fee: Rs 50,000 + GST
YES Private Credit Card
You earn 40 points for every Rs 200 spent abroad and 20 points for domestic spending. It offers unlimited domestic and international lounge access, VIP meet-and-greet services at airports, golf privileges, and benefits on private jet charters and luxury cruises.
Joining Fee: Rs 50,000 + GST
A team of writers and reporters decodes vast terms of personal finance and making money matters simpler for you. From latest initial public offerings (IPOs) in the market to best investment options, we cover al…Read More
A team of writers and reporters decodes vast terms of personal finance and making money matters simpler for you. From latest initial public offerings (IPOs) in the market to best investment options, we cover al… Read More
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- Location :
Delhi, India, India
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