Best Premium Credit Cards- 2021

1. HDFC Regalia First

Fees
- First-Year Membership Fee – Rs. 1000/- + Applicable Taxes, Renewal Membership Fee – Rs. 1000/- + Applicable Taxes
- Welcome Benefit of 1000 Reward Points and renewal benefit of 1000 Reward Points (applicable only after the membership fee is realized and not applicable when the fee is waived off)* Terms & Conditions Apply
- Spend Rs. 1,00,000 in 12 Months and get Renewal Fee waived for next renewal year.

Spend Based Milestones
- Earn 5,000 Reward Points on annual spending of Rs. 3,00,000 or more in each anniversary year
- Earn 7,500 Reward Points on annual spending of Rs. 6,00,000 or more in each anniversary year
- Fulfillment: After completion of the card anniversary year.
- So if you’re able to spend 6 Lakhs in a year, you can get a reward rate as good as 1.2% – which is pretty good for a card of this range.

Rewards
You earn 4 reward points on Rs. 150, on all retail* spends including Insurance, Utilities, Education, and RentPay.
- Enjoy Accelerated Reward Points
  - Get up to 5% cashback on your travel and shopping spends on SmartBuy
- Fuel Surcharge Waiver
  - Enjoy a 1% fuel surcharge waiver at all fuel stations across India on transactions between Rs.400 and Rs.5000
    * No reward points are earned on fuel transactions
- Best in Class Redemption Program
- Flight and Hotel Bookings
- Exclusive Catalogue of Premium Global brands
- Curated Global Experiences

Annual Spends Benefit
- Earn 5,000 Reward Points on annual spending of Rs. 3,00,000 or more in each anniversary year*
- Earn additional 2,500 Reward Points on annual spending of Rs. 6,00,000 or more in each anniversary year*

Comprehensive Protection
- Accidental air death covers worth Rs. 50 lakhs
- Emergency overseas hospitalization up to Rs. 10 lakhs in case of emergency
- Credit Liability cover of up to Rs 5,00,000

2. Amex Gold Charge

Annual fee
- First Year fee – Rs. 1,000 plus applicable taxes
- Second Year onwards – Rs. 4,500 plus applicable taxes

Reward Earn Rate
- Earn 1 Membership Rewards Point for every Rs. 50 spent except for spend at Fuel, Insurance, Utilities, and Cash Transactions

Card Type – Charge Card
Welcome Gift – 4,000 Bonus Membership Rewards Points

Key Benefits
- ADDITIONAL REWARDS ON CARD RENEWAL
  - Earn 5,000 Membership Rewards Points upon First Year Card Renewal, on payment of annual membership fee. Points to be credited within 90 days of Card renewal
- GOLD COLLECTION
  - Redeem your Points from the fabulous 18 and 24 Karat Gold Collection
- SAVINGS ON TRAVEL
  - Enjoy benefits on your travel bookings with American Express Travel Online

Rewards Programme
- Earn 1 Membership Rewards Point for every¹ Rs. 50 spent except for spends at Fuel, Insurance, Utilities, and Cash Transactions. Your Points are worth their weight in Gold with a range of exciting rewards to choose from.
- Enjoy the flexibility to redeem your Points from over 500+ exciting redemption options including leading airlines and hotels, electronics, and more.
- Get fabulous Rewards from the stunning new 18 and 24 Karat Gold Collection, specially chosen for you.

3. SBI Elite

Fees
- Annual Fee (one-time) – Rs. 4,999
- Renewal Fee (per annum) – Rs. 4,999 from second year onwards
- Add-on Fee (per annum) – Nil

Welcome Gift:
- Voucher worth Rs. 5,000
- Choose from an array of travel and lifestyle brands: Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion, and Shoppers Stop
- You will receive an SMS to choose from e-voucher options within 15 days of the annual fee payment. The e-voucher will be sent to your registered mobile number/e-mail ID, within 5 days of the request.
- For Pantaloons, Shoppers Stop, and Hush Puppies /Bata you can redeem your e-gift voucher by showing the code at the respective brand store
- For Yatra and Shopper Stop you can redeem the code online at the time of purchase
- Aditya Birla Retail Voucher can be redeemed at these brand stores – Louis Philippe, Van Heusen, Allen Solly, Peter England, Planet Fashion, Simon Carter

Complimentary Movie Tickets
- Free Movie Tickets worth Rs. 6,000 every year
- Transaction valid for at least 2 tickets per booking per month. The maximum discount is Rs. 250/ticket for 2 tickets only. Convenience Fee would be chargeable
- This offer is valid on Primary Cards only

Milestone Privileges
- Earn up to 50,000 Bonus Reward Points worth Rs. 12,500/ year
- Earn 10,000 bonus Reward Points on achieving annual spends of Rs. 3 lakhs and 4 lakhs
- Earn 15,000 bonus Reward Points on achieving annual spends of Rs. 5 lakhs and 8 lakhs
- Spend Based Reversal of Annual Fee on spends of Rs. 10 Lakhs

ELITE Rewards
- Get 5X Reward Points on Dining, Departmental Stores, and Grocery Spends
- Earn 2 Reward Points per Rs. 100 on all other spends, except fuel
  - Pay your card outstanding with Reward Points. 4 Reward Points = Rs. 1
  - 1% Fuel Surcharge Waiver across all petrol pumps. (Govt. Service Tax extra as applicable). Maximum Surcharge Waiver of Rs. 250 per month per credit account

International Lounge Program
- Complimentary membership to the Priority Pass Program worth $99
- 6 complimentary Airport Lounge visits per calendar year, outside India ( max. 2 visits per quarter)
- Access over 1000 Airport Lounges worldwide
  - Only Primary Cardholders are eligible for Priority Pass and complimentary membership will be valid for 2 years only

Domestic Lounge Program
- Enjoy 2 complimentary Domestic Airport Lounge visits every quarter in India
- To avail of the offer, please use your SBI Card ELITE at the respective lounges
- This offer is brought to you by Visa /MasterCard and is for a limited period only

Club Vistara Membership
- Enjoy complimentary Club Vistara Silver membership
- Get 1 complimentary Upgrade Voucher
- Earn 9 Club Vistara Points for every Rs. 100 spent on Vistara flights
- Offer is valid for Primary Cardholders only

Trident Privilege Membership
- Enjoy complimentary Trident Privilege Red Tier membership
- Get exclusive 1,000 Welcome Points on registration
- Enjoy 1,500 Bonus Points on your first stay & additional Rs. 1,000 hotel credit on an extended night stay
- Enjoy 10% instant savings on bookings through the hotel website
- Enjoy 10 points for every Rs.100 spent (excluding taxes) during your stay at participating hotels
- Offer is valid for Primary Cardholders only

Lowest Forex Markup
- Your SBI Card ELITE offers you the privilege of the lowest Foreign Currency Mark-up Charge of 1.99% on International usage.
- You are also entitled to 2 Reward Points on every Rs.100 spent on International transactions.

Exclusive Concierge Service
- Dedicated assistance on Flower Delivery, Gift Delivery, Online Doctor Consultation.

4. HDFC Diners ClubMiles

Fees and Charges
- First-year and renewal Membership Fee – Rs. 1000/- + Applicable Taxes
- Welcome Benefit of 1000 Reward Points and Renewal Benefit of 1000 Reward Points (applicable only after the membership fee is realized and not applicable when the fee is waived off.)* Terms & Conditions Apply
- Spend Rs. 1L in 12 Months and get Renewal Fee waived for next renewal year

Miles Exchange
- Earn 4 Reward Points for every Rs. 150/- spent
- Redeem Reward Points for Miles with leading International and Domestic airlines and hotels.
- 1 Reward Point = 1 AirMile

Travel benefits:
- Book Air Tickets / Hotels across 150+ Airlines and Choice of hotels (Domestic & International) at www.hdfcbankdinersclub.in
- Enable your Credit Card for International usage and even upgrade your international daily limit, effortlessly, through NetBanking.
- Sit back and relax in leading lounges across the world through the Exclusive Lounge Program
- Up to 6 Complimentary access to 1000+ Lounges Worldwide in a calendar year
- Terms & Conditions Apply. Lounge access is Complimentary only for the Primary Card Holder

Lifestyle benefits:
- Dining Offers
  Embark on a delectable journey where you can enjoy a 15% discount or other benefits at the finest restaurants. With exclusive offers and rewards in every bite, gift yourself and your family an enjoyable dining experience.
- Global Dining Offers
  Revel in special Diners Club rewards and world-class experiences in dining, travel, and entertainment. Diners Club International offers cardmembers Privileges in dining, travel, entertainment, and shopping in over 70 countries and territories.
Reward Points
- Earn 4 Reward Points for every Rs. 150/- spent
- Redeem Reward Points on exclusive Reward Redemption Catalogue for HDFC Bank Diners Club miles Credit Cards.
- Redeem reward points for booking Air Tickets / Hotels across 150+ Airlines and Choice of hotels (Domestic & International) at www.hdfcbankdinersclub.in (1 Reward Point = Rs 0.50)

5. HDFC Diners Club Privilege

Fees and Charges:
- Annual Membership fee – Rs. 2500 + Applicable Taxes
- Spend Rs. 3L in 12 Months and get Renewal Fee waived for next renewal year.
- Revolving Credit on your Credit Card at an interest rate of 3.6% per month.
- Lowest Foreign Currency Markup of 1.99%

Welcome Benefits:
- Complimentary annual memberships from the above partners can be availed upon spending Rs. 75,000 within the first 90 days or upon joining fees realization. Terms and conditions applicable.

Annual Benefits:
- Complimentary annual memberships can be availed upon achieving an annual spend milestone of Rs 5 Lakhs at the time of Card Anniversary.

Rewards
- Earn 4 Reward Points for every Rs. 150/- spent
- 1 RP = Rs.0.50 for Hotels/Flights (1.3% Reward Rate)
- 2 RP = 1 Airmile (~1.3% Reward Rate)
- Accelerated Rewards: 10X Rewards – Smartbuy + Diners Partners (13% Reward Rate)
- Note: Max. Cap for 10X Diners Partners is 10,000 compared to 5000 for Club Miles.

Milestone Rewards
- Monthly Milestone: Complimentary choice of any 1 voucher can be availed amongst Ola Select membership or BookMyShow or TataCLiQ worth Rs. 500 every month on spends of Rs. 40,000 in a calendar month
- Yearly Milestone: Complimentary annual memberships can be availed from the below partners upon achieving an annual spend milestone of Rs 5 Lakhs at the time of card anniversary. Zomato Gold, Amazon Prime, MakeMyTrip Double Privilege, Times Prime, BigBasket Star.

Benefits:
- Airport Lounge Access
  - Domestic & International: 12 Complimentary access / Calendar year
  - Above limits are shared with add-on cards as well
- Golf Privileges
  - 2 Complimentary Golf Games per Quarter
- Foreign Exchange Markup fee: 1.99% + GST (get an additional 1% cashback by enabling Global Value Program)
- Credit Shield: 9 Lakhs

6. IndusInd Iconia Amex

Joining Fee: Rs. 3,500
Income Requirement: None listed by the issuer
Age Requirement: None listed by the issuer

Rewards Rate Details
- 2 points per Rs. 100 spent on weekends
- 5 points per Rs. 100 spent on weekdays
- 7 points per Rs. 100 spent on utility bill payments
- Points redemption rate: 1 point = Rs. 1
- 5% on weekdays, 2% weekends

Benefits & Perks
- 2 quarterly visits to domestic American Express airport lounges
- 3 free tickets a month from BookMyShow and a buy one get one free offer
- 4 free tickets a month at Sathyam Cinemas and a buy one get one free offer (in Chennai only) The card also offers a 20% discount at Lemon Tree Hotel properties
- Up to Rs. 225,000 in travel insurance
- Free golf games

7. Indusind Pinnacle

Pricing Joining Fee: Rs 1,00,000
Annual Fee: Nil
Add-on Card Fee: Nil

Welcome Gifts
- Get Jet Airways promotion codes as a welcome gift that enables the cardholders to a one-way journey of their choice.
- The promotion codes can be used to avail of a 100% discount on the base fare and airline fuel charge.
- Get a chance to spend a memorable stay experience from a bouquet of luxury hotels from the house of Oberoi Hotels.
- Earn access to 14 international brands through Genesis Luxury Vouchers.

Rewards Earn
- 2.5 reward points for every Rs 100 spent online (e-commerce transactions).
- Earn 1 reward point for every Rs 100 spent at the point of sale terminals.
- Earn 1 reward point for every Rs 100 spent on e-commerce travel and airline transactions.

Features
- Get access to VIP events like Art fairs, museum show openings around the world, Biennales, and so on.
- Enjoy complimentary golf games and lessons from golf clubs in Ahmedabad, Bengaluru, Chennai, Delhi-NCR, Hyderabad, Mumbai, and Pune.
- Book for one movie ticket on BookMyShow and get the other one absolutely free of cost.
- The cardholder is eligible to avail of up to 3 free movie discounts in a month.
- Interest Rate: 3.83% per month.
- Get flat tire services from Auto Assist which is functional 24X7 throughout the year, as they will arrange for a mechanic to repair the flat tire.
- The cardholder can avail of services from Auto Assist to get the car keys if it gets locked inside the car or in case of misplacement of car keys.
- Get a 1% fuel surcharge waiver at any fuel filling station in India by using a credit card and save money annually.

Disclaimer

We give details according to specific bank data. But remember before going to pick up anyone’s Credit card must visit the respective Bank’s website. Check the details of the card like Fees, Interest rate, Rewards, etc. because it maybe changes. Hence you need to be aware of the changes happening in most out of your credit cards.

The information and services included on this Web site may include discrepancies. Paidkiya will not be liable/responsible for any decision that you may take based on such inaccurate information. Changes are periodically added to Bank’s websites.