Premium credit cards justify their high fees with exceptional rewards, unlimited lounge access, concierge services, and luxury experiences. But only if you use them.
Our top pick for premium credit cards is the Times Black from ICICI (₹20,000 fee, airport lounge access). Best premium pick: Axis Samsung Infinite (Axis, ₹5,000 fee). Ranked from 156 Indian credit cards Vyaya tracks, with fees and earn rates re-verified against issuer terms (October 2026).
ICICI · ₹20,000 annual fee · 0.8% rewards
Axis · ₹5,000 annual fee · 1% rewards
ICICI · ₹12,000 annual fee · 0.25% rewards
ICICI · ₹12,499 annual fee · 1.2% rewards
HDFC · ₹10,000 annual fee · 1% rewards
HDFC · ₹12,500 annual fee · 1% rewards
Axis · ₹12,500 annual fee · 1.2% rewards
IDFC First · ₹5,999 annual fee · 0.83% rewards
AMEX · ₹10,000 annual fee · 1% rewards
HSBC · ₹20,000 annual fee · 3% rewards
RBL · ₹7,000 annual fee · 1.25% rewards
Axis · ₹50,000 annual fee · 1.5% rewards
Axis · ₹5,000 annual fee · 2% rewards
Axis · ₹10,000 annual fee · 3% rewards
IndusInd · ₹10,000 annual fee · 0.75% rewards