Premium Credit Cards

#2 Compare

Rewards 2% base (4 RP per ₹150); 5X on grocery and dining

• Best sub-₹5K card in India for overall value
• Reward points transferable to Air India, KrisFlyer, InterMiles, Club Vistara
• Complimentary Swiggy One membership (3 months)

Apply via issuer website

#3 Compare

Rewards 12 EDGE Reward Points per ₹200 on travel (EDGE Travel portal); 6 EDGE RP/₹200 on dining; 3 EDGE RP/₹200 base

• EDGE Reward Points transfer to 15+ partners (Air India, British Airways Avios, Singapore Airlines, Marriott Bonvoy, Accor)
• Monthly spend of ₹1.5L unlocks 20,000 bonus points — great for large spenders
• Complimentary Accor Plus membership = significant hotel value

Apply via issuer website

#4 Compare

Rewards 5 Travel Points per ₹100 on travel; 2 TP/₹100 on all others; NO forex markup reward

• ZERO forex markup — unique in India, saves 2–3.5% on every international transaction
• Strong international lounge access (6 Priority Pass)
• Travel Points transfer to airline miles

Apply via issuer website

#5 Compare

Rewards 5 EDGE Miles on every ₹100 on travel; 2 EDGE Miles on all other spends

• Purpose-built travel card — earn EDGE Miles specifically for airline/hotel redemption
• EDGE Miles transfer to 25+ airline and hotel partners
• Clear tier-based milestone structure is easy to plan around

Apply via issuer website

#6 Compare

Rewards 5X Membership Rewards Points on Amex Travel Online; 1X on all other spends

• Best card for IHCL Taj Hotels value — milestone benefits include free stays
• Amex MR points transferable to IndiGo (6E Rewards), British Airways Avios, Singapore Airlines KrisFlyer, Marriott Bonvoy, Hilton Honors
• IndiGo transfer ratio: 1 MR = 1 6E Reward Point; high value for domestic flights

Apply via issuer website

#7 Compare

Rewards 5X (5 RP/₹100) on dining, department stores, grocery; 2X on all others

• Better forex rate than most premium cards
• Welcome vouchers almost cover the annual fee
• Points transferable to Vistara, Etihad, Singapore Airlines and more

Apply via issuer website

#8 Compare

Rewards 2 reward points per ₹100 on all spends; 1.5X on international; 3X on IndusInd site travel

• Best-in-class forex markup at 1.8% — ideal for international travel
• Reward points transferable to IndiGo (6E Rewards) and other partners
• Complimentary golf rounds

Apply via issuer website