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Top-tier cards with very high fees, premium travel benefits and selective eligibility. The right comparison still depends on fees, caps, exclusions, qualification rules and how you actually use the card.
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Issuer coverage
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01Issuer dossierHDFC Bank2 cards in this category
02Issuer dossierICICI Bank2 cards in this category
03Issuer dossierKotak Mahindra Bank2 cards in this category
04Issuer dossierIndusInd Bank2 cards in this category
05Issuer dossierPunjab National Bank2 cards in this category
06Issuer dossierAmerican Express India1 card in this category
07Issuer dossierAU Small Finance Bank1 card in this category
08Issuer dossierYES BANK1 card in this category
Published card research
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13of 13 published records visible
American Express India · Applications paused
Open dossier American Express Platinum Card
A super-premium charge card with a very high fee and a benefits stack built around travel, hotels, lounge access and service rather than cashback.
Annual fee₹66,000 + applicable taxes.
RewardsReviewed Amex page lists 1 Membership Rewards point per ₹40 on most other eligible spends plus separate fuel treatment; overseas accelerator is also promoted
LoungeAccess to the American Express Global Lounge Collection, currently described as 1,550+ lounges across 500+ airports in 140 countries.
Forex3.50% markup on foreign-currency transactions under the current American Express India customer guidance / fee schedule.
Best useExisting or future eligible premium users who can make substantial use of travel, hotel, lounge and concierge benefits.
4 first-party sourcesReviewed September 12, 2026
HDFC Bank · Active
Open dossier HDFC Bank Diners Club Black Metal Edition
A super-premium HDFC metal card combining strong reward transfer/redemption options, unlimited lounge access and quarterly milestone points.
Annual fee₹10,000 + applicable taxes
Rewards5 Reward Points per ₹150 on eligible spends; up to 10X via SmartBuy; 10,000 bonus Reward Points on ₹4 lakh calendar-quarter spends
LoungeUnlimited complimentary global airport lounge access for primary and add-on cardholders on the reviewed issuer page
Forex2% foreign-currency markup on the reviewed issuer page
Best useHigh-spend travelers who can use lounge access, premium redemptions and quarterly reward milestones enough to justify the fee.
3 first-party sourcesReviewed September 11, 2026
HDFC Bank · Active
Open dossier HDFC Bank Infinia Metal Edition Credit Card
HDFC Bank’s super-premium metal card with unlimited global lounge access, 5 Reward Points per ₹150 and a high annual fee that demands substantial benefit usage.
Annual fee₹12,500 + applicable taxes for the current Infinia Metal Edition structure.
Rewards5 Reward Points per ₹150 on eligible spends; up to 10X Reward Points on SmartBuy
LoungeUnlimited complimentary domestic airport-lounge access for primary and add-on cardholders using the Infinia card, plus complimentary Priority Pass lounge access outside India for primary and add-on Priority Pass holders; guest visits are chargeable under current lounge terms.
Forex2% foreign-currency transaction markup under the current HDFC Bank fee schedule for Infinia Metal Edition.
Best useVery high-spend travelers who can extract real value from premium travel, concierge, hotel, golf and high-value reward redemptions.
4 first-party sourcesReviewed September 11, 2026
ICICI Bank · Active
Open dossier ICICI Bank Emeralde Private Metal Credit Card
An invite-only super-premium ICICI metal card with unlimited airport lounge access, premium memberships, 2% forex markup and a ₹12,499 annual fee.
Annual fee₹12,499 + GST
Rewards6 Reward Points per ₹200 on eligible retail spends on the reviewed issuer page, with category-specific caps for grocery, utilities, education and insurance
LoungeUnlimited complimentary domestic and international airport lounge access for primary and Plus card members on the reviewed issuer page
Forex2% foreign-currency markup
Best useInvite-only high-spend customers who can use unlimited lounges, premium memberships, golf, concierge and travel protections enough to justify the fee.
4 first-party sourcesReviewed September 11, 2026
ICICI Bank · Active
Open dossier Times Black ICICI Bank Credit Card
A super-premium ICICI/Times Internet Visa card with unlimited lounge access, 1.49% forex markup and an expensive lifestyle-heavy benefit stack.
Annual fee₹20,000 + GST
Rewards2% ICICI Bank Reward Points on eligible domestic spends and 2.5% on eligible international spends on the reviewed issuer page
LoungeUnlimited complimentary domestic and international airport lounge access; Priority Pass membership is included for eligible primary/Plus cardholders
Forex1.49% foreign-currency markup
Best useUltra-high-spend premium travelers who can use unlimited lounges, luxury stays, travel services and high-end lifestyle benefits enough to offset a ₹20,000 annual fee.
4 first-party sourcesReviewed September 11, 2026
AU Small Finance Bank · Active
Open dossier AU Zenith+ Credit Card
A super-premium AU metal card with 0.99% forex markup, 32 combined annual domestic/international lounge visits and premium lifestyle benefits.
Annual fee₹4,999 + applicable taxes
RewardsUp to 2 Reward Points per ₹100 on dining, travel and international spends; reviewed AU FAQ values 1 Zenith+ Reward Point at ₹1, with welcome voucher/points and milestone benefits
Lounge16 domestic airport lounge visits and 16 international lounge visits annually (4 per quarter each) under reviewed terms; Priority Pass within India is chargeable
Forex0.99% cross-currency markup
Best useHigh-income travelers who value 0.99% forex, frequent lounge access, premium airport services and a metal-card benefit stack.
3 first-party sourcesReviewed September 11, 2026
YES BANK · Active
Open dossier YES BANK MARQUEE Credit Card
YES BANK's super-premium MARQUEE combines 1% forex, high online/offline reward rates, unlimited international lounge access and a substantial premium fee structure.
Annual fee₹4,999 + applicable GST
Rewards36 YES Rewardz Points per ₹200 on eligible online shopping, 18 per ₹200 on eligible offline spends and 10 per ₹200 on select categories in the reviewed value chart
LoungeUnlimited international lounge visits in the reviewed value chart plus 6 complimentary domestic lounge visits per quarter; current domestic lounge qualification requires ₹1 lakh qualifying spend in the preceding quarter
Forex1% foreign-currency conversion charge
Best useHigh-spend travelers who can use the card's 1% forex pricing, large lounge allowance and premium online reward rate enough to justify a high joining fee.
4 first-party sourcesReviewed September 9, 2026
Kotak Mahindra Bank · Invite Only
Open dossier Kotak Solitaire Credit Card
An invite-only relationship credit card combining zero forex markup, unlimited global lounge access and travel-focused Air Miles without a standard annual fee for eligible Solitaire customers.
Annual feeReviewed Kotak Solitaire launch states no annual fee for eligible Solitaire customers
Rewards10 Air Miles per ₹100 on eligible travel bookings through Kotak Unbox on the reviewed issuer listing
LoungeUnlimited global airport lounge access for primary and add-on card members on the reviewed issuer listing
Forex0% foreign-currency transaction markup under the reviewed Kotak MITC
Best useAffluent Kotak customers already eligible for Solitaire who travel internationally and can use unlimited lounge access and zero forex markup.
4 first-party sourcesReviewed September 9, 2026
Kotak Mahindra Bank · Active
Open dossier Kotak White Reserve Credit Card
A super-premium Kotak card with a ₹12,500 annual fee, ₹10 lakh fee-waiver threshold, 2% forex markup and unlimited global lounge access.
Annual fee₹12,500 + applicable taxes
RewardsWhite Pass value can scale with eligible annual spend; the reviewed Kotak listing advertises value up to ₹2.5 lakh annually
LoungeUnlimited global airport lounge access for primary and add-on cardholders on the reviewed issuer listing
Forex2% foreign-currency transaction markup under the reviewed KFS/MITC
Best useVery high-spend premium travelers who can naturally clear the fee threshold and use lounge, concierge and milestone value.
4 first-party sourcesReviewed September 9, 2026
IndusInd Bank · Active
Open dossier IndusInd Bank Avios Visa Infinite Credit Card
A premium airline-miles card built around Avios, a chosen airline programme and a preferred international destination, with 1.5% forex pricing specifically at that selected destination.
Annual feeSee current IndusInd Bank MITC / application offer
RewardsChoose British Airways Executive Club or Qatar Airways Privilege Club; earn Avios with accelerated earn at a selected international destination and milestone benefits of up to 36,000 bonus Avios a year
LoungeTravel benefits are premium and itinerary-led; verify the current lounge entitlement in the controlling issuer terms before relying on it
Forex1.5% discounted forex markup for POS transactions at the selected preferred international destination; other international transactions can follow different pricing
Best useFrequent international travelers who can concentrate spend on a selected destination and genuinely use British Airways or Qatar Airways Avios.
2 first-party sourcesReviewed September 9, 2026
IndusInd Bank · Active
Open dossier IndusInd Bank Solitaire Credit Card
A high-fee premium IndusInd card with ₹30,000 joining fee, ₹10,000 annual fee and a ₹10 lakh renewal-waiver threshold, aimed at users who can consume the bundled luxury benefits.
Annual fee₹10,000 on the reviewed issuer page
RewardsPremium rewards and lifestyle benefits packaged with hotel, dining, travel and relationship-style privileges; use current issuer redemption rules for point value
LoungePremium travel benefits apply; verify the current domestic/international lounge conditions on the issuer page before relying on visit counts
ForexSee current IndusInd Bank MITC before international use
Best useHigh-spend premium users who can genuinely use the Taj/EazyDiner-style benefit package and naturally meet the ₹10 lakh renewal-waiver threshold.
2 first-party sourcesReviewed September 9, 2026
Punjab National Bank · Active
Open dossier PNB LUXURA RuPay Metal Credit Card
PNB’s super-premium RuPay metal card pairs nil forex markup and unlimited lounges with 4 points per ₹100, travel/dining acceleration and a high fee structure.
Annual fee₹7,500 + GST
Rewards4 Reward Points per ₹100 on eligible spend, with 3X Reward Points on travel and dining plus milestone rewards
LoungeUnlimited complimentary domestic and international airport lounge access on the reviewed PNB product page
ForexNil forex markup
Best useHigh-income travelers who can use unlimited lounges, zero forex markup and premium hospitality benefits enough to justify the large fee exposure.
4 first-party sourcesReviewed September 9, 2026
Punjab National Bank · Active
Open dossier PNB LUXURA Visa Metal Credit Card
A premium Visa Infinite metal card with nil forex markup, unlimited lounges, 4 points per ₹100 and a lower published annual fee than PNB’s RuPay LUXURA.
Annual fee₹1,999 + GST
Rewards4 Reward Points per ₹100 on eligible spend, with 3X Reward Points on travel and dining plus milestone rewards
LoungeUnlimited complimentary domestic and international airport lounge access on the reviewed PNB product page
ForexNil forex markup
Best usePremium international travelers who want zero forex markup and unlimited lounges but prefer the materially lower fee of the Visa LUXURA over the RuPay metal version.
4 first-party sourcesReviewed September 9, 2026
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Maintained head-to-heads
Close comparisons already researched inside Super-Premium Credit Cards.
Only curated pairs that passed the existing substantive-comparison guard appear here. The engine does not generate every possible permutation.
Maintained comparisonHDFC Bank Diners Club Black Metal EditionvsHDFC Bank Infinia Metal Edition Credit CardCompare →Maintained comparisonICICI Bank Emeralde Private Metal Credit CardvsHDFC Bank Infinia Metal Edition Credit CardCompare →Maintained comparisonTimes Black ICICI Bank Credit CardvsHDFC Bank Infinia Metal Edition Credit CardCompare →Maintained comparisonTimes Black ICICI Bank Credit CardvsICICI Bank Emeralde Private Metal Credit CardCompare →Maintained comparisonAU Zenith+ Credit CardvsHDFC Bank Infinia Metal Edition Credit CardCompare →Maintained comparisonAU Zenith+ Credit CardvsICICI Bank Emeralde Private Metal Credit CardCompare →Maintained comparisonYES BANK MARQUEE Credit CardvsHDFC Bank Infinia Metal Edition Credit CardCompare →Maintained comparisonYES BANK MARQUEE Credit CardvsICICI Bank Emeralde Private Metal Credit CardCompare →