Top Premium Credit Cards in India 2026

Every major credit card issuer has a few premium credit cards that are targeted at individuals who seek luxurious features and services from their cards. Here is a list of a few such finest credit cards along with their related information.

Features and Benefits of Top Premium Credit Cards

SBI Card ELITE

Key Highlights: It's a card for the elite-class and is loaded with premium privileges across multiple lifestyle categories including entertainment, travel, dining, and regular spends. You also enjoy benefits from international brands like Marks & Spencer, Shoppers Stop, etc.

Joining fee: Rs.4,999

Renewal fee: Rs.4,999 (2nd year onwards). Waived off if the total spending in the previous year is at least Rs.10 lakh.

Joining benefit: Gift voucher worth Rs.5,000.

Features and benefits:

1. Accelerated reward points on dining, grocery, and departmental store spends.
2. Free movie tickets worth Rs.6,000 per year and bonus reward points of up to 50,000.
3. 6 free international and 2 free domestic lounge visits every year.
4. Complimentary membership to the Club Vistara and the Trident Privilege Program.
5. Other benefits include low forex mark-up fee and concierge services.

Rewards redemption option:

Reward points can be used to pay the outstanding on your card (4 RP = Re.1).

HDFC Bank Diners Club Black Card

Key Highlights: HDFC Bank offers this card with the coveted Diners Club International. You enjoy top-class facilities like 24/7 concierge services, golf program, airport lounge access and many more.

Joining fee: Rs.10,000.

Renewal Fee: Rs.10,000 (From 2nd year). Waived off if the total spending in the previous year is at least Rs.5 lakh.

Joining Bonus: After paying the joining fee, you get 10,000 reward points.

Features and benefits:

1. 5 reward points on retail spends.
2. Unlimited access to over 700 domestic and international lounges.
3. Avail the services of a concierge to take care of all your booking needs.
4. 6 complimentary golf games every quarter in domestic and international golf courses.
5. Air accident coverage of Rs.2 crore and emergency medical expenses coverage of up to Rs.50 lakhs.

Rewards redemption options: You can redeem reward points for hotel bookings, air tickets, Air Miles, KrisFlyer Miles, Avios, JP Miles, and for products on the exclusive rewards catalogue. For air tickets and hotel bookings, the redemption rate is 1RP = Re.1.

Eligibility to apply for the HDFC Bank Diners Club Black Card: 

1. Employment Status: You can be either Salaried or Self-Employed.
2. Age Requirement: Applicants must be between 21 and 65 years of age.
3. Income for Salaried Applicants: You must have a minimum monthly income of Rs. 1.75 lakh.
4. Income for Self-Employed Applicants: You must have filed Income Tax Returns (ITR) showing a minimum annual income of Rs. 21 lakh.

How to Apply for the Premium Credit Cards?

You can apply for any of the credit cards listed here on the BankBazaar website. Not only this, you can even upload the necessary documents on the website and thus enjoy faster processing of your credit card application.

Other advantages of applying for credit cards on the BankBazaar website are the free chance that you get to check your credit score , the free chance that you get to check your eligibility for your desired cards, free gifts, etc.

Apply for the card on BankBazaar through the following steps:

1. Click on 'Check Eligibility' placed next to your desired card.
2. Verify your eligibility for that credit card by answering the questions asked.
3. Now you would be redirected to the particular bank's credit card application page where you would have to provide answers to the questions asked.
4. Click 'Submit' and then you would be prompted to upload your documents.
5. Upload them and click on 'Submit'.

On submitting the application and the documents, an Application ID would be shared with you. This ID should be used when you want to know your application's status. Just visit 'Track Application' and enter your ID.

How to Check Eligibility for Premium Credit Cards Online?

The BankBazaar website offers you the facility of checking your eligibility for the premium credit cards mentioned here. It can be done through the following simple steps:

1. In bankbazaar premium cards page, click on 'Check Eligibility' to check for your desired card.
2. Answer the questions that appear next to check your eligibility

Documents to Apply for The Premium Credit Cards

The necessary documents vary from card to card and also from issuer to issuer. However, some documents are common to the entire set of cards. These are mentioned in the following table.

In addition to these, the bank may also ask for additional documents when you apply for the card.

Proof of Identity

Any one of the following

1. Driving licence
2. Voter's ID card
3. Aadhaar card
4. Ration Card
5. Passport
6. PAN Card

Address proof

1. Rental agreement
2. Ration card
3. Aadhaar card
4. Passport

Income proof (for salaried individuals)

1. Recent salary slips
2. Employment letter
3. Your salary certificate

Income proof (for self-employed individuals)

1. Certified financials
2. Your balance sheet or profit and loss statement
3. Recent Income Tax Returns documents

Others

1. PAN card copy or Form 60
2. Photograph

Credit cards make payments easy for all expenses online and offline while offering various benefits

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