For frequent flyers, luxury shoppers, and high-net-worth individuals, super-premium credit cards offer an elite tier of privileges. From unlimited access to international airport lounges and complimentary golf rounds to five-star concierge services, spa benefits, and luxury hotel upgrades, these cards are designed for those who expect more than just points.
Super-premium cards that go beyond rewards
If you're a high-spender who loves luxury, exclusivity, and unmatched travel rewards, super-premium credit cards are not merely payment instruments—they're lifestyle enablers. From unlimited global lounge access, golf for free, concierge services, and hotel upgrades, these cards are for you, if you are a regular flyer and a high-spending traveller who values comfort and convenience. Here are 7 of the best super-premium credit cards for FY 2025-26.
Unlimited luxury at your fingertips
The HDFC Infinia Metal Credit Card is one of India's most rewarding cards. It has a base reward rate of 3.3% and up to 33% through SmartBuy. It has unlimited global lounge access, free rounds of golf, travel insurance, and a personal concierge service. The ₹12,500 annual fee is usually waived on high spends during a year.
Smart benefits for frequent flyers
The HDFC Diners Club Black Metal Card has a similar rewards structure to Infinia. It has accelerated rewards of up to 10X on hotel bookings and 5X on flight bookings. Members also receive unlimited lounge access worldwide, milestone rewards, and forex markup of only 2%. This is a good choice for frequent online shoppers and regular flyers.
Wellness, comfort, and privileges
The ICICI Emeralde Private Metal Card is a premium travel and lifestyle card. It includes Taj Epicure membership, spa experience, global lounge access through DragonPass, and concierge-service-experiencing facilities. It also offers 3% rewards and enhanced travel-booking returns. It is ₹12,499 annually, which can be very easily paid back for its frequent usage.
Designed for the serious luxury spender
The Axis Bank Reserve Credit Card is a high-end card that gets two points on foreign spending, international lounge access, 50 complimentary rounds of golf, and memberships in high-end hotel programs like Club Marriott and Accor. Its annual charge is ₹50,000 and it is for serious luxury spenders.
Packed with perks for global travellers
The YES Private Credit Card has a reward rate of up to 40 points for ₹200 spent internationally. It provides lounge visits unlimited with guest entry, airport assistance VIP, and concierge. Milestone rewards and air charter discounts are additional perks. The card carries an annual fee of ₹50,000.
For those who stay and dine in style
With upscale hospitality being an obvious objective, the HSBC Taj Credit Card provides Platinum-level Taj InnerCircle status, free night stays, limousine pickup and drop, and fine dining privileges. Membership and renewal fees are high at ₹1,10,000, which is aimed at frequent Taj patrons and corporate managers.
Exclusive access, global benefits
The American Express Platinum Charge Card is an invite-only card with no annual spend limit. It allows you access to over 1,300 airport lounges globally, 3X rewards for international spends, and a legendary concierge service. It is priced at ₹66,000 annually. It is best suited for international travellers who desire exclusivity and flexibility. For high-flyers, people who love a premium touch, and spend more, these super-premium credit cards offer experience-based lifestyle perks so much more luxurious than mere rewards.
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