By Type

Super Premium Credit Cards

3 cards · ranked by overall value

super premium

HDFC Bank · Visa

★★★★½ 4.8/5

Annual Fee ₹12,500

Joining Fee ₹12,500

Forex 2% (effective ~2.36%)

Rewards 3.3% base (5 reward points per ₹150 = 1 RP ≈ ₹1); 10X on SmartBuy portal

Best reward rate in India for an all-round card — 3.3% effective base
Reward points transfer to Air India, Singapore Airlines KrisFlyer, InterMiles, Marriott Bonvoy, Club Vistara (via SmartBuy)
Complimentary golf rounds at select courses

Apply via issuer website

super premium

HDFC Bank · Diners Club

★★★★½ 4.6/5

Annual Fee ₹10,000

Joining Fee ₹10,000

Forex 2%

Rewards 3.3% base; 10X on SmartBuy; 5X on dining

Same 3.3% earn rate as Infinia at a lower annual fee
Annual memberships (Amazon Prime + Swiggy One + MMT Black + Times Prime) often worth more than the annual fee
Diners Club acceptance is improving but still lower than Visa/MC — have a backup card

Apply via issuer website

super premium

ICICI Bank · Visa

★★★★½ 4.5/5

Annual Fee ₹12,499

Joining Fee ₹12,499

Forex 1.5% (one of the lowest in India)

Rewards 4 ICICI Reward Points per ₹100 (≈ 1% base); higher on travel bookings via ICICI

Apply via issuer website