#1
HDFC Bank
HDFC Infinia Credit Card
Invite-only metal card: 5 points per ₹150 + unlimited lounges
₹12,500 + GST a yearPremium
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Best cards
Best premium & super-premium cards in India (2026)
Super-premium cards ask for a large fee and often an invite. The value is real, but only at high, regular spending.
हर कार्ड की फ़ीस और शर्तें साफ़-साफ़।
#2
HDFC Bank
Diners Club Black Metal
10,000 bonus points a quarter + unlimited lounges
₹10,000 + GST a yearPremium
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#3
HSBC
HSBC Premier Credit Card
Unlimited lounges, 0.99% forex & 1:1 air-mile transfers
₹12,000 joining feeTravelPremium
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#4
HSBC
HSBC Taj Credit Card
Taj stays, lounges & dining privileges for luxury travellers
₹1,10,000 + GST every yearTravelPremium
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#5
SBI Card
SBI Card ELITE
₹5,000 welcome voucher, ₹6,000 in movie tickets & 50,000 bonus points
₹4,999 + taxes a yearPremium
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Side by side
| Card | Annual fee | Headline reward | UPI |
|---|---|---|---|
| HDFC Infinia Credit CardHDFC Bank | ₹12,500 + GST a year | Invite-only metal card: 5 points per ₹150 + unlimited lounges | No |
| Diners Club Black MetalHDFC Bank | ₹10,000 + GST a year | 10,000 bonus points a quarter + unlimited lounges | No |
| HSBC Premier Credit CardHSBC | ₹12,000 joining fee | Unlimited lounges, 0.99% forex & 1:1 air-mile transfers | No |
| HSBC Taj Credit CardHSBC | ₹1,10,000 + GST every year | Taj stays, lounges & dining privileges for luxury travellers | No |
| SBI Card ELITESBI Card | ₹4,999 + taxes a year | ₹5,000 welcome voucher, ₹6,000 in movie tickets & 50,000 bonus points | No |
Questions people ask
How did you rank these cards?
By net value at typical Indian spending: reward rate, minus the annual fee, after the monthly caps. Not by commission.
Can I hold more than one of these?
Yes, and pairing a free card with one paid card usually beats holding a single expensive one. Check each card's fee waiver condition first.
How often is this page updated?
Every card page carries the date we last checked the bank's own website. When a reward rate changes, we post it in the news section.
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