Top 6 Premium Credit Cards to Apply 2024 - 2025

As the name suggests, the premium credit cards offer premium benefits to the users. They are usually considered as the crème de la crème out of all credit cards. These credit cards provide the top in class privileges and benefits that a usual credit card doesn’t provide.

A premium credit card, in general, provides a much higher Credit Limit. The user gets additional benefits like Travel Insurance, product warranties, emergency services, etc. In order to get a premium credit card, you need to have a good Credit Score and a strong credit history.

Top Premium Credit Cards

Here are some of the best premium credit cards in India you should consider.

List of premium credit cards along with their annual fees-

1. American Express Platinum Travel Credit Card

• Get free travel vouchers worth Rs.7700 (and more) if you spend Rs.1.90 lakhs in a year
• Get 4 complimentary lounge visits every year for domestic airports
• Earn 1 membership reward point for every Rs.50 spent
• Get an e-Gift worth Rs.10,000 from Taj Hotels Palaces
• Free travel vouchers worth Rs.11,800 if you spend Rs.4 lakhs a year

2. HDFC Regalia Credit Card

• Get complimentary lounge access at over 1000 airports
• The Bank gives you 24x7 travel assistance service
• You’ll receive 4 reward points for every Rs.150

3. SBI Card ELITE

• On joining, enjoy the welcome e-Gift voucher worth Rs. 5,000
• Enjoy free movie tickets worth Rs. 6,000 every year
• Earn up to 50,000 bonus reward points worth Rs. 12,500 per year
• Get a complimentary membership for Club Vistara and Trident Privilege program

4. Kotak Privy League Signature Card

• Earn 5x reward points on every Rs 100 spent
• Get access to airport lounges through Priority Pass membership card
• Get 4 complimentary movie tickets from PVR every quarter
• Get fuel surcharge waiver of 1% at all the gas stations in India

5. Citi PremierMiles Card

• Earn 10,000 miles on spending Rs. 1,000 or more for the first time within a period of 60 days
• Get 3000 miles bonus on card renewal
• Get 10 miles for every Rs 100 spent on airline transactions
• Get 100 miles points on spending every Rs. 45

6. Standard Chartered Ultimate Credit Card

• Earn 5 reward points on every Rs. 150 spent
• Get free access to over 1000 airport lounges both domestic and international
• Up to 25% discount at over 250 restaurants in India
• Golf tickets and tutorials annually

How to Apply for a Premium Credit Card?

In case you are interested in buying a premium credit card, you can choose either of the ways to apply for it-

Online

You can apply for a premium credit card online by following the steps mentioned below-

• Go to the desired credit card company’s official website
• Choose the type of credit card you wish to apply
• Click on the ‘Apply Online’ option
• An OTP (One time password) is sent to your registered mobile phone. Use this OTP to proceed
• Enter your personal details
• Select Apply, and proceed further

Offline

Once you choose the credit card, you can apply by simply visiting its bank branch. The respective representative will help you complete the application and choose the appropriate card. Your eligibility will be checked based on certain parameters like- credit score, monthly Income, credit history, etc.

Documents Required for Premium Credit Cards

Following are the documents required to get premium credit cards-

• An identity proof issued by the government of India like Voter ID, driving license, aadhaar card, passport, ration card, etc.
• Proof of income
• Address proof
• PAN Card
• Passport size photograph