India is the 4th largest country having millions of population having more than one million High net worth individuals. Now there is no specific definition of what HNI customers look like. But in simple terms, people with a high income, wealthy assets, and good transactional relations with the bank are termed High Net Worth Individuals. Now let us look at India’s super-premium credit cards.
India’s Best Super Premium Exclusive Credit Cards
These cards are designed for those individuals who like to spend a lot on Travel, shopping and more.
The income criteria set for this card are so high that the reason behind doing so is making such a card less exclusive. And also to give high benefits to the individuals who can spend a good range of money.
1. HDFC Bank Diners Club Black Credit Card
HDFC Diners Club Credit Card is one of the super-premium card countries has. Diners Club is powered by Diners Club International only. Diners Club is the company that issues credit cards & charge cards independently throughout the world.
The only drawback of this card is the lower acceptance of Diners cards in India than Visa/MC. Hence you can not use this as your primary card. This card comes with high joining fees and a high limit.
- Reward Rate: 3.3%-33%
- Annual Fee: Rs.10,000+Tax
- Full Review: HDFC Diners Club Black Credit Card Review
2. HDFC Bank Infinia Credit Card
HDFC Infinia Mastercard is one of every the best and premium Mastercard the country has. It’s designed especially for ultra-rich Indians. This Infinia Mastercard denotes limitless possibilities in every aspect like Rewards, Lounge access, card-linked benefits, etc.
You can enjoy unlimited complimentary lounge access at airports within and outside India at 1,000+ airport lounges using Priority Pass.
Although it is an invite-only card, you can have this if you have good terms with HDFC Bank. Also, the priority pass which comes along this will give you excellent services while visiting internationally.
- Reward Rate: 3.3%-16.5%
- Annual Fee: Rs.10,000+Tax
- Full Review: HDFC Bank Infinia Credit Card Review
3. Citi Bank Prestige Credit Card
Citibank Prestige Credit Card is one of the top credit cards provided by Citibank. Issued under the Visa variant is eligible to offer you the best of the rewards on each of your spending. Travel perks offered by this card are provided by no other credit card in the country.
The card holds good for frequent flyers. If you’re a frequent flyer and want luxury, this can be your go-to card.
The rewards offered are amazing, but it is impressive only for those who can play smart with them. Redeeming them against Airmiles and hotels is the best way to get the maximum benefit out of it.
- Reward Rate: 2%-10%
- Annual Fee: Rs.20,000+GST
- Full Review: Citibank Prestige Credit Card Review
4. Yes Bank Exclusive Credit Card
After going through many ups and downs, Yes Bank has achieved its stability some time back and is now working at its great pace. Yes Bank launched Yes First Exclusive credit card some years back and provided some premium services across the country.
This card has launched in collaboration with Mastercard to give exclusive services to its customers.
This card offers dynamic rewards and benefits. We have used the card for a year and really like to use it further as well. However, the joining fee is high it worth paying.
- Reward Rate: 2.5%
- Annual fee: Rs.9,999+tax
- Full Review: YesBank’s Yes First Exclusive Credit Card Review
5. Amex Platinum Charge Card
American Express is one of the premium card providers in the world. If you want to experience the luxury provided by credit cards, you must go for Amex premium cards. One of those is Amex Platinum Charge Card.
It is a card that gives you more good rewards if you spend using this with family members. Gift your loved ones this add-on card and try to earn extra profit you can. The concierge is available 24X7.
American Express Platinum Card, issued as a metal card, is a super premium credit card from American Express India known for its premium travel benefits. It’s a charge card, hence no pre-set limit to it. Let us see what has been offered on the card.
- Reward Rate: 2%
- Annual Fee: Rs.60,000+tax
- Full Review: American Express Platinum Charge Card Review
All the cards mentioned above have various unique qualities in themselves. Some if good as a travel card and some as a shopping card. Although there is one similarity that all of them come with high eligibility and joining fees.
You can choose any card as per your spending habits.