Top Premium Credit Cards in India 2025

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

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

Necessary 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

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.

Differences Between Premium And Non-premium (Regular) Credit Cards

Premium credit cards are loaded with certain types of features and benefits which separate them from the regular credit cards. The premium benefits in these cards also mean that the fees and charges for some of them might be higher than those of the regular cards.

If you are wondering about how to distinguish a premium card from a non-premium one, the following section would help you in your attempt.

Fees and charges:

The associated fees and charges are generally higher for the premium cards as compared to those of the regular ones. These include the joining fee, the renewal (annual) fee, etc.

Eligibility criteria:

1. In addition to the other criteria, to be eligible for the premium credit cards, you need to have a relatively high annual income which is above Rs.50,000 for most such cards.
2. On the other hand, there are regular cards which have an income criterion of as low as Rs.12,000 per month.

Joining bonus:

1. Most premium cards offer attractive joining bonus offers like reward points in bulk, complimentary air tickets, air miles, etc.
2. The regular credit cards either don't offer any joining bonus and even if some of them do, it's not very rewarding.

Reward points:

1. One primary advantage of premium cards is the privilege of a highly beneficial reward points program. You can earn points by using the card on multiple lifestyle and other categories.

Also, the accelerated reward points program in these cards allow you to earn RP in bulk which can be redeemed for premium products and services.

1. Although the regular cards also offer regular reward points and (a few of them even have accelerated programs), these are not as attractive as the ones offered by the premium cards.

Here, the reward points earned are low and the redemption options are also moderate.

Concierge services:

1. Most premium cards offer the special services of a dedicated concierge who would take care of all your travel bookings, hotel reservations, entertainment booking arrangement, and other such handy services.
2. But you are unlikely to enjoy these services in a regular credit card.

Lounge access:

1. With premium cards, you get complimentary and paid access to international and domestic airport/railway lounges through international programs like the Priority Pass membership.
2. For the regular cards, even if they offer lounge access, the number of visits would be fewer than the ones offered by the primary cards. Also, it would only be for domestic lounges and not the international ones.

Golf programs:

1. If you want to enjoy free golf sessions and lessons at domestic and international golf courses, you need to opt for premium credit cards.
2. This facility is hardly offered by any of the regular credit cards.

Milestone bonus:

1. For premium cards, if the annual spends on the card cross a certain amount as specified by the issuer, you get a certain large number of reward points as a bonus.
2. Although the milestone bonus exists in regular cards too, the quantity of reward points is not that high.

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

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