Some Luxury Credit Cards in India: Fees, Benefits, & Rewards

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1️. HDFC Infinia Credit Card Metal Edition

  • Joining Fee: ₹12,500
  • Annual Fee: ₹12,500
  • Lounge Access: Unlimited (primary & add-on members)
  • Reward Points:
    • 10x on travel/shopping via Smartbuy
    • 5 points per ₹150 spent (incl. insurance, utilities, education)

2️. HDFC Diners Club Black Credit Card

  • Joining Fee: ₹10,000
  • Annual Fee: ₹10,000
  • Lounge Access: Unlimited (primary & add-on members)
  • Base Rewards Rate: 3.33% (5 points per ₹150 spent)
  • Bonus Points:
    • Up to 10x on Smartbuy
    • 2x on weekend dining
  • Forex Markup: 2%
  • Annual Spend Benefit: Complimentary memberships on spending ₹8 lakh annually

3️. Axis Bank Olympus Credit Card

  • Joining Fee: ₹20,000
  • Annual Fee: ₹20,000
  • Lounge Access: Unlimited domestic/international
  • Reward Points: Up to 2 EDGE Miles per ₹100 spent
  • Benefits:
    • Taj Epicure membership
    • ₹10,000 Taj/ITC voucher
    • 2,500 EDGE Miles
    • Complimentary golf & airport concierge services

4️. ICICI Emeralde Private Metal Credit Card

  • Joining Fee: ₹12,499
  • Annual Fee: ₹12,499
  • Lounge Access: Unlimited
  • Memberships: Taj Epicure & EazyDiner Prime
  • Extra Benefits:
    • ₹3,000 EaseMyTrip voucher (on spends of ₹4L & ₹8L)
    • Unlimited golf lessons or rounds
    • 50% off on dining via EazyDiner

5️. Axis Magnus Credit Card

  • Joining Fee: ₹12,500
  • Annual Fee: ₹12,500
  • Lounge Access: Unlimited, +4 guest visits
  • Reward Points: Up to 60 EDGE points per ₹200 spent
  • Forex Markup: 2%
  • Welcome Offer: Luxe gift card/ Postcard Hotels/ Yatra voucher worth ₹12,500

6️. YES Bank Marquee Credit Card

  • Joining Fee: ₹9,999
  • Annual Fee: ₹4,999
  • Reward Points:
    • 36 YES Rewardz Points per ₹200 spent online
    • 18 YES Rewardz Points per ₹200 offline
  • Lounge Access: 24 domestic, unlimited international visits
  • Golf Benefits: 12 golf lessons + 4 green fee waivers

7️. Axis Bank Reserve Credit Card

  • Joining Fee: ₹50,000
  • Annual Fee: ₹50,000
  • Lounge Access: Unlimited via Priority Pass
  • Forex Markup: 1.5%
  • Reward Points: Up to 30 EDGE points per ₹200 spent
  • Bonus Benefits:
    • Memberships: ITC Culinaire, Accor Plus, Club Marriott, EazyDiner Prime
    • Up to 5 BookMyShow offer tickets/month