| Credit Card & Bank | Joining Fee | Annual Fee |
|---|---|---|
|
HDFC Infinia Credit Card Metal Edition
HDFC Bank | Metal Card | Lifetime Free
|
₹12,500 + GST
One-time payment at issuance
|
₹12,500 + GST
Charged every year
Waived on spends of ₹10+ Lakhs
|
|
Axis Bank Reserve Credit Card
Axis Bank | Premium Card | Ultra Exclusive
|
₹50,000 + GST
Mandatory one-time fee
|
₹50,000 + GST
Annual renewal charge
Waived on spends of ₹35 Lakhs
|
|
IDFC FIRST Private Credit Card
IDFC FIRST Bank | Private Banking Card
|
₹50,000 + GST
For Private Banking clients
|
₹50,000 + GST
Yearly membership fee
Waived on spends of ₹6 Lakhs
|
|
Axis Bank Magnus Credit Card
Axis Bank | Burgundy Premium Card
|
₹12,500 + GST
One-time joining charge
|
₹12,500 + GST
Annual renewal required
Waived on ₹15+ Lakhs spends
|
|
ICICI Emeralde Private Metal Credit Card
ICICI Bank | Metal Card | Wealth Management
|
₹12,499
Tax inclusive • One-time
|
₹12,499
Tax inclusive • Yearly
Spend ₹10+ Lakhs for waiver
|
5 Best Premium Credit Cards in India 2026
HDFC Infinia Credit Card Metal Edition
Premium metal credit card with exclusive benefitsFees
- Joining Fee: Rs.12,500 + Tax
- Annual Fee: Rs.12,500 + Tax
Features and Benefits
- Complimentary nights & buffet at participating ITC hotels
- Complimentary Club Marriott membership for the first year
- Unlimited airport lounge access across the globe for primary and add-on member
- Unlimited complimentary domestic airport lounge access
- 5 reward points for every Rs.150 spent
- Earn up to 10X reward points on Smartbuy
- 24X7 global personal concierge
- Unlimited Complimentary golf games and coaching
- Zero lost card liability
- 1% fuel surcharge waiver (Rs.400 – Rs.1 Lakh)
- Renewal fee waived on Rs.10 Lakh annual spend
- Accidental air death cover worth Rs.3 Crore
- Emergency overseas hospitalization up to Rs.50 Lakh
- Credit shield cover up to Rs.9 Lakh
Helpline Number
18001600 / 18002600
Axis Bank Reserve Credit Card
Ultimate luxury credit card experienceFees
- Joining Fee: Rs.50,000 + Tax
- Annual Fee: Rs.50,000 + Tax
Features and Benefits
- Unlimited domestic & international lounge visits
- 8 complimentary VIP concierge services
- 4 complimentary luxury airport pickup & drop services
- Club ITC Culinaire, Accorplus & Club Marriott memberships
- Hotel offers at Oberoi, Trident & Postcard hotels
- 50 complimentary golf rounds every year
- Complimentary EazyDiner Prime membership
- BookMyShow offers up to Rs.1000
- Annual fee waived on Rs.35 Lakh spend
- No cash withdrawal charges
- Fuel surcharge waiver of 1%
- APR of 3% on extended credit
- Purchase protection Rs.2 Lakh & credit shield Rs.5 Lakh
Toll Free
1800 209 5577 / 1800 103 5577
Lost Card
022-6798-7700
IDFC FIRST Private Credit Card
Premium banking experienceFees
- Joining Fee: Rs.50,000 + Tax
- Annual Fee: Rs.50,000 + Tax
Features and Benefits
- Club ITC Culinaire Select & Accor Plus Explorer memberships
- Welcome bonus of 1 Lakh reward points
- Taj Experiences Dining Voucher on milestone spend
- 0% forex markup & cash withdrawal
- Unlimited airport spa lounge access
- Unlimited railway lounge access
- Trip cancellation cover Rs.50,000
- Travel & air accident cover Rs.1 Crore
- Monthly discounts up to Rs.1,500
- Unlimited complimentary golf access
- 10X / 3X / 1X reward points structure
Toll Free
1800 10 888
Whatsapp Banking
95555 55555
Axis Bank Magnus Credit Card
Premium lifestyle credit cardFees
- Joining Fee: Rs.12,500 + GST
- Annual Fee: Rs.12,500 + GST
Features and Benefits
- Unlimited domestic airport lounge visits
- Unlimited international lounge visits
- Up to 15% off at Oberoi & Trident hotels
- Up to 40% discount at 4000+ restaurants
- Insurance benefits including purchase protection
Toll Free
1800 209 5577 / 1800 103 5577
ICICI Emeralde Private Metal Credit Card
Premium metal credit cardFees
- Joining Fee: Rs.12,499
- Annual Fee: Rs.12,499
Features and Benefits
- Annual fee waived on Rs.10 Lakh spend
- Up to 3 add-on cards
- Taj Epicure & Eazydiner Prime membership
- Welcome bonus of 12,500 ICICI reward points
- 6 reward points for every Rs.200 spent
- EaseMyTrip travel vouchers on milestone spends
Toll Free
1800 1080
📊
Key Insights
Axis Bank Reserve and
IDFC FIRST Private cards have the highest
fees at ₹50,000 + tax.
ICICI Emeralde Private Metal is the only
card with tax-inclusive pricing at ₹12,499.
Most cards have identical joining and annual fees, except where waived
as part of promotional offers.
Fee terminology varies: some cards mention Tax
while others specify GST.
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