The Super Premium Cards have additional spending limits, increased reward rates, unlimited lounge access, and other premium benefits. This type of card offers high annuls fees with extra features.
Check out the 5 best super premium credit cards in India.
5 Best Super Premium Credit Cards
| Credit Card | Annual Fee | Benefits |
| Axis Bank Magnus Credit Card | Rs. 10,000+GST | Unlimited domestic lounge access, MMT, Yatra, and GoIbibo provide a 2X reward. One 10,000 annual free flight ticket |
| SBI Aurum Credit Card | Rs. 10,000+GST | Unlimited international lounge access, 4 times quarterly domestic lounge access, 1 airport spa access per quarter |
| IndusInd Celesta Credit card | Rs. 5,000+GST | Free domestic and international airport lounge access, Monthly 2 Premiere Class movie tickets |
| HDFC Diners Club Black Credit Card | Rs. 10,000+GST | 5 reward points on Rs. 150, 10X points for partner brands, 2X points on weekend dinner |
| American Express Platinum Card | Rs. 60,000+GST | Priority Pass provides both domestic and international lounge access, Monthly free golf, and 2 sessions, Domestic spending receives 1% reward points, and international spending earns 3%. |
Also Read: Top 5 Credit Cards in India
1. Axis Bank Magnus Credit Card
The Axis Magnus card is the most recent offering from Axis Bank, and it represents the company’s second entry into the ultra-premium credit card market.
The Magnus credit card includes a number of attractive benefits for cardholders. These include the ability to avoid paying an annual fee, free airfare on a regular basis, double reward points with certain partners, lounge access, and more. Although members can enjoy unlimited lounge access at the domestic level, this benefit is quite disappointing considering that frequent foreign travelers generally use ultra-premium credit cards.
| Basic Components | Card Details |
| Rewards | – Every INR200 spent earns you 12 reward points. – As a result, the reward rate is 1.2%. MMT, Yatra, and GoIbibo provide a 2X reward rate. |
| Age | 18 years |
| Joining Fees | NIL (First Year) |
| Annual Charges | Rs. 10,000 + GST ( Waived off after spending 15 lakh in a year) |
| Add-on Fee | NIL |
| Others Benefits | – There are 8 free airport concierge services at 29 Indian airports. – Oberoi establishments offer discounts and accommodation improvements. – BookMyShow 5 times each month, 50% discount up to 500. – Gratis spa treatments + additional medical advantages. – Domestic lounge access is unlimited. – Every year, one free aircraft ticket worth up to Rs. 10,000 is provided. |
| Eligible | 18 lakh in Annual Earnings required |
2. SBI Aurum Credit Card
The SBI card Aurum is a new credit card that was just launched. It is a super premium credit card. At the moment, you can only get it by invitation. It is the first SBI credit card made of metal. With the new metal card, the SBI Card joins the American Express Platinum Card in India.
The card has a high annual fee, but it comes with special benefits in many distinct aspects.
| Basic Components | Card Details |
| Rewards | – When you spend Rs. 100, you get 4 reward points. – You can use reward points to buy plane tickets, e-gift cards, and book hotels. – Every month, you can get two free movie tickets worth Rs. 1000. – With 40,000 reward points, you can get welcome benefits worth Rs. 10,000. |
| Age | 18 years |
| Joining Fees | Rs. 10,000 + GST ( Waived off after spending 12 lakh in a year) |
| Annual Charges | Rs.10,000 + GST ( Waived off after spending 12 lakh in a year) |
| Add-on Fee | NIL |
| Others Benefits | – Four domestic lounge trips each quarter. – International lounge access is unlimited. – One domestic airport spa visit every quarter. – 1.99% foreign currency markup charge -Benefits of Flight Cancellation: Coverage of Rs. 3,500 per ticket for refundable tickets and Rs. 3,000 per ticket for non-refundable tickets. – Rs. 1500 Tata Cliq voucher on the monthly expenditure of Rs. 1 lakh; Rs. 5,000 LUXE voucher on yearly spending of Rs. 5 lakh; Rs. 10,000 Taj coupons on annual spending of Rs. 10 lakh. |
| Eligible | Invite Only |
3. IndusInd Celesta Credit card
Whereas the Indusind Celesta can market itself as a super premium credit card, its features aren’t really impressive. Probably doubt many people would choose this card because of its low yearly earn rate of 1.1%, lack of ongoing benefits, and expensive signup costs.
It caters specifically to the demands of successful businesses and professional executives.
| Basic Components | Card Details |
| Rewards | – Earn 3 points for every 100 Rs spent on International Transactions. – Get 1 reward point for every Rs 100 spent on domestic purchases. |
| Age | 21 years |
| Joining Fees | Rs. 50,000 + GST |
| Annual Charges | Rs. 5,000 (Annual fee waived if 10 lakhs spent) |
| Add-on Fee | Rs. 5,000 |
| Others Benefits | – Domestic lounge access is unlimited. – When you register, you will get coupons worth 50,000 from Oberoi Hotels or Montblanc. – Free membership to Shangri La Golden Circle Jade and Taj Innercircle Gold is also included. – 3 free golf games and instructions are included. – Every month, BMS provides two free movie tickets.1% off the fuel surcharge at all petrol stations. |
| Eligible | Stable Income Proof & Good Cibil Score |
Also Read: 5 Travel Credit Cards to Pick
4. HDFC Diners Club Black Credit Card
In India, the HDFC Diners Club Black Credit Card is a top choice for high-end cardholders. The card is designed specifically for HNIs and caters to their demands by providing perks in a variety of areas, such as travel, shopping, rewards, eating, and golf.
The HDFC Diners Club Black Credit Card has a reward rate that is one of the highest in India at 3.33%, with 5 points awarded for every Rs. 150 spent.
| Basic Components | Card Details |
| Rewards | – On an Rs. 150 purchase, you will get 5 reward points. – Up to 10 times the reward points on partner brands. – Weekend eating gets you twice as many reward points. |
| Age | 21 years |
| Joining Fees | Rs. 10,000 + GST |
| Annual Charges | Rs. 10,000 (Annual fee waived if 5 lakhs spent) |
| Add-on Fee | NIL |
| Others Benefits | – Annual Club Marriott, Forbes, Amazon Prime, Zomato Pro, MMT BLACK, and Times Prime subscriptions after spending Rs 1.5 lakh in the first month. – You may choose any two monthly coupons from the Ola Select membership or the cure. fit Every month, spend Rs. 80,000 and get a 1-month subscription to BookMyShow or TataCLiQ worth Rs. 500. – Six free golf games every quarter on the world’s greatest courses. – On a minimum transaction of Rs. 400, all petrol stations in India would waive the 1% fuel levy. – A credit liability protection of Rs. 9 lakh is provided.1.99% foreign currency markup. – Members of the primary and add-on cards get unlimited access to 1000+ airport lounges in India and throughout the globe. – An Rs. 2 crore insurance policy for air accidents.A 50 lakh rupee emergency foreign hospitalization. – Insurance for Travel Baggage delay coverage of up to Rs. 55,000. |
| Eligible | – The minimum monthly salary is Rs 1,75,000. – Self-employed applicants must earn Rs. 21,00,000 per annum. |
Also Read: How to manage credit card debt
5. American Express Platinum Card
In terms of super premium credit cards, the American Express Platinum Charge Card is one of the best options for Indian residents. The American Express Platinum Card is a premium card that provides you with access to exclusive lounges and a multitude of benefits.
It has no spending limit and gives you access to the fantastic “do anything” concierge service offered by American Express. The expensive yearly costs of Rs. 60,000 with no ongoing benefits is another major drawback.
| Basic Components | Card Details |
| Rewards | – On domestic transactions, the user gains 1% in reward points. – Earn 3% back on foreign spending. – Get 1,00,000 Welcome Bonus Membership Rewards Points or receive 45,000 worth of hotel vouchers from Taj, SeleQtions, and Vivanta Hotels. |
| Age | 18 years |
| Joining Fees | Rs. 60,000 + GST |
| Annual Charges | Rs. 60,000 (Annual fee waived if 5 lakhs spent) |
| Add-on Fee | NIL |
| Others Benefits | – One gets access to Amex Centurion lounges. – Additionally, the Priority Pass program provides unlimited domestic and international lounge access. – EazyDiner Prime membership is free. – Every month, you’ll get free golf access and two free lessons. – You may save up to 15% off normal rates depending on the airline and location. – Access to over 1,200 of the world’s best airport lounges. – Every time you book at one of the 1000+ hotels in the Fine Hotels & Resorts portfolio, you will get benefits worth INR 37,000. |
| Eligible | Salaried with an annual income of INR 25 lakhs or more, or self-employed with an annual income of INR 15 lakhs or more. |
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