Discover the top 5 elite credit cards in India

1. HDFC Infinia Metal Card

HDFC Infinia Metal Card offers unlimited global lounge access with 3.3% reward rates on spends and top-tier golf and dining privileges, all for a ₹12,500 annual fee, making it ideal for high spenders.

2. ICICI Emeralde Private Metal

It offers unlimited international and domestic lounge access, a 3% base reward rate, unlimited golf, Taj Epicure, and EazyDiner Prime memberships, as well as complimentary travel insurance, making it a luxury-packed choice for high spenders, with an annual fee of ₹ 12,499.

HDFC Diners Club Black Metal Card offers unlimited global and domestic lounge access, complimentary memberships to Club Marriott, Amazon Prime, and Swiggy One, plus 6 golf games per quarter with a base 3.3% reward rate.

3. HDFC Diners Club Black Metal

4. Axis Bank Magnus Burgundy

Axis Bank Magnus Burgundy offers unlimited lounge access, a 5:4 miles conversion, and luxury benefits, making it one of India’s most rewarding and exclusive credit cards. With a ₹30,000 annual fee.

5. American Express Platinum Card

It offers unlimited global and domestic lounge access, complimentary EazyDiner Prime, luxury stay vouchers worth ₹45,000, unlimited golf, and top-tier insurance, all for a ₹60,000 annual fee. With 2.5% reward rates on spending categories like travel, shopping, and dining.

6. Choosing the Right Card

To choose the right credit card based on your needs, use credit card scoring and ranking model