Expert Selection 2026
Best Credit Cards for Premium Credit Cards
Mid-to-high tier credit cards offering elevated rewards, lounge access, and lifestyle privileges for above-average spenders.
Recommended Cards (20)
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Top Choice
RBL BANK LTD
RBL Bank World Safari Credit Card
Excellent
Expert Score4.0
Joining Fee
₹3,000
Annual Fee
₹3,000
- 10,000 reward points as welcome benefit.
- 3 reward points per ₹100 on all spends.
- 6 reward points per ₹100 on travel bookings.
ICICI BANK LTD
ICICI Bank Mine Credit Card (Pro)
Excellent
Expert Score5.0
Joining Fee
₹588
Annual Fee
₹588
- Subscription-based model with different tiers
- Mine Cash rewards system
- Customized benefits based on plan selected
ICICI BANK LTD
Signature Credit Card
Excellent
Expert Score5.0
Joining Fee
₹1,499
Annual Fee
₹1,499
- Premium lifestyle and travel benefits
- Higher reward points on spending
- Exclusive privileges for high-value customers
ICICI BANK LTD
Platinum Chip Credit Card
Excellent
Expert Score5.0
Joining Fee
₹500
Annual Fee
₹500
- Lifetime free card
- Built-in contactless technology for quick payments
- Chip security for fraud protection
ICICI BANK LTD
MakeMyTrip Platinum
Excellent
Expert Score5.0
Joining Fee
₹1,500
Annual Fee
₹1,500
- MakeMyTrip-specific travel benefits
- Special discounts on flight and hotel bookings
- Reward points on travel spends
ICICI BANK LTD
Emirates Skywards Sapphiro
Excellent
Expert Score5.0
Joining Fee
₹3,000
Annual Fee
₹3,000
- Emirates Skywards miles on card spends
- Travel benefits on Emirates flights
- Premium travel insurance
ICICI BANK LTD
Manchester United Signature
Excellent
Expert Score5.0
Joining Fee
₹2,999
Annual Fee
₹2,999
- Manchester United Football Club themed card
- Exclusive Manchester United merchandise
- Premium rewards on spends
ICICI BANK LTD
Rubyx Credit Card
Excellent
Expert Score5.0
Joining Fee
₹3,000
Annual Fee
₹3,000
- Premium card offering reward points on all transactions except fuel
- Complimentary airport lounge access
- Fuel surcharge waiver benefits
ICICI BANK LTD
Sapphiro Credit Card
Excellent
Expert Score5.0
Joining Fee
₹1,500
Annual Fee
₹1,500
- Complimentary vouchers worth more than ₹9,000 on joining
- 2 reward points per ₹100 spent domestically; 1 reward point per ₹100 spent on utility & insurance
- 4x rewards on international spends
STATE BANK OF INDIA
Paytm SBI Card SELECT
Excellent
Expert Score5.0
Joining Fee
₹1,499
Annual Fee
₹1,499
- Premium rewards on Paytm ecosystem transactions
STATE BANK OF INDIA
Bank SBI Card ELITE
Excellent
Expert Score5.0
Joining Fee
₹4,999
Annual Fee
₹4,999
- nan
STATE BANK OF INDIA
Bank SBI Card PRIME
Excellent
Expert Score5.0
Joining Fee
₹2,999
Annual Fee
₹2,999
- nan
STATE BANK OF INDIA
Shaurya Select SBI Card
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹1,499
- Premium version of defense personnel card with enhanced benefits
STATE BANK OF INDIA
Lifestyle/MAX/SPAR PRIME
Excellent
Expert Score5.0
Joining Fee
₹2,999
Annual Fee
₹2,999
- Store-specific rewards and benefits at partner retail outlets
STATE BANK OF INDIA
TATA Croma/Star SELECT
Excellent
Expert Score5.0
Joining Fee
₹2,999
Annual Fee
₹2,999
- Store-specific rewards and benefits at partner retail outlets
STATE BANK OF INDIA
TATA Card SELECT
Excellent
Expert Score5.0
Joining Fee
₹2,999
Annual Fee
₹2,999
- Enhanced rewards at respective TATA outlets, special offers
STATE BANK OF INDIA
IRCTC SBI Card
Excellent
Expert Score5.0
Joining Fee
₹500
Annual Fee
₹500
- Railway booking benefits, reward points on IRCTC purchases
STATE BANK OF INDIA
BPCL SBI Card
Excellent
Expert Score5.0
Joining Fee
₹499
Annual Fee
₹499
- Fuel surcharge waiver, accelerated rewards on BPCL outlets
STATE BANK OF INDIA
Club Vistara SBI Card
Excellent
Expert Score5.0
Joining Fee
₹1,499
Annual Fee
₹1,499
- CV points accrual, complimentary Club Vistara membership, flight redemptions
STATE BANK OF INDIA
Air India SBI Platinum Card
Excellent
Expert Score5.0
Joining Fee
₹1,499
Annual Fee
₹1,499
- Air miles accumulation, complimentary tickets, priority check-in benefits
Frequently Asked Questions
How do I choose the best credit card for Premium Credit Cards?
Consider your spending habits, preferred reward types (cashback, points, or miles), and whether you're willing to pay an annual fee for premium benefits. The cards listed above offer the best value based on comprehensive analysis.
Are there credit cards for Premium Credit Cards with no annual fee?
Yes, several issuers offer entry-level cards with zero joining and annual fees. However, premium cards with higher fees often provide better reward multipliers and lifestyle benefits that can offset the cost if used frequently.
What credit score is required to get approved?
Generally, a CIBIL score of 750 or above significantly improves your chances of approval for top-tier credit cards. If you're building credit, consider starting with an entry-level or secured credit card.
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