A credit card is convenient. It allows the users to borrow money from banks for large and small purchases. The borrower must pay off the money taken on credit, back in time so as to avoid paying interest. Most credit cards come with several benefits, but users can get exclusive benefits only on premium credit cards. Sure, the user has to pay substantial annual fees for the premium cards, but the benefits offered make them worthwhile. While some common benefits of premium cards include complimentary airport lounge access, travel insurance and concierge services, many other exclusive privileges differ from card to card. Let’s find out the Top 3 best credit cards in India.
Standard Chartered Bank Ultimate credit card: The SBC Ultimate card is one that matches the holder’s premium lifestyle. It offers the best reward point value along with exclusive travel and dining privileges. This card is available for an annual fee of ₹5000. Here’s what makes it premium:
• Discounts of 25% at more than 250 restaurants in India
• 5% cashback on duty-free expenses
• Free priority pass membership which allows access to over 1000 airport lounges worldwide
• 24*7 concierge service
• Free air accident travel insurance worth ₹1 crore
• 25- 35% savings on international car rental with Hertz and Avis respectively
HDFC Regalia Credit Card: HDFC Bank’s luxury card, the HDFC regalia has some of the finest privileges on offers. You pay a small annual fee of just ₹2,500, waived off on annual spending of ₹3 lakh and above. This card is ideal for people who love to travel. You can also apply credit card online for HDFC regalia. Privileges on this card include:
• Free air accident travel insurance worth ₹1 crore
• Emergency hospitalization cover worth ₹15 lakhs overseas
• Option to convert reward points into air miles
• Exclusive dining privileges at top fine-dine restaurants in India
• 12 Complimentary accesses to airport lounges per year on the lounge program and additional priority pass membership
• 24*7 travel concierge service
American Express Platinum Reserve Credit Card: One of the best credit cards in India, American Express Platinum Reserve Card is a super-premium card. Card holders must shell out ₹5,000 as annual fees for the first year, and ₹10,000 as fees from the second year onwards. It is one of the premium cards for business travellers who require air travel and hotel benefits.
Here’s what makes the AmEx Platinum card a premium card:
• Multiple benefits and savings on booking travel packages via MakeMyTrip.com
• Privileges at some of the most luxurious hotels in India and abroad, including the Taj Group of Hotels, Oberoi Hotels and resorts and several other luxury hotels
• Free access to airport lounges especially designed for AmEx card holders
• Free Priority Pass membership
• Special wellness and health benefits at health care centres like Fortis Healthcare and Max Healthcare
• Complimentary access to several premium golf courses in India
• 24*7 dedicated concierge services for round the clock assistance on the credit card
Standard Chartered Bank Ultimate credit card: The SBC Ultimate card is one that matches the holder’s premium lifestyle. It offers the best reward point value along with exclusive travel and dining privileges. This card is available for an annual fee of ₹5000. Here’s what makes it premium:
• Discounts of 25% at more than 250 restaurants in India
• 5% cashback on duty-free expenses
• Free priority pass membership which allows access to over 1000 airport lounges worldwide
• 24*7 concierge service
• Free air accident travel insurance worth ₹1 crore
• 25- 35% savings on international car rental with Hertz and Avis respectively
HDFC Regalia Credit Card: HDFC Bank’s luxury card, the HDFC regalia has some of the finest privileges on offers. You pay a small annual fee of just ₹2,500, waived off on annual spending of ₹3 lakh and above. This card is ideal for people who love to travel. You can also apply credit card online for HDFC regalia. Privileges on this card include:
• Free air accident travel insurance worth ₹1 crore
• Emergency hospitalization cover worth ₹15 lakhs overseas
• Option to convert reward points into air miles
• Exclusive dining privileges at top fine-dine restaurants in India
• 12 Complimentary accesses to airport lounges per year on the lounge program and additional priority pass membership
• 24*7 travel concierge service
American Express Platinum Reserve Credit Card: One of the best credit cards in India, American Express Platinum Reserve Card is a super-premium card. Card holders must shell out ₹5,000 as annual fees for the first year, and ₹10,000 as fees from the second year onwards. It is one of the premium cards for business travellers who require air travel and hotel benefits.
Here’s what makes the AmEx Platinum card a premium card:
• Multiple benefits and savings on booking travel packages via MakeMyTrip.com
• Privileges at some of the most luxurious hotels in India and abroad, including the Taj Group of Hotels, Oberoi Hotels and resorts and several other luxury hotels
• Free access to airport lounges especially designed for AmEx card holders
• Free Priority Pass membership
• Special wellness and health benefits at health care centres like Fortis Healthcare and Max Healthcare
• Complimentary access to several premium golf courses in India
• 24*7 dedicated concierge services for round the clock assistance on the credit card
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