Top 3 Luxury Credit Cards in India

Because of ease of use, convenience and rewards points offered credit cards has become the preferred choice for making payments among Indians.  

As the number of people using credit cards is increasing, credit card companies have started launching new cards for specific consumer groups. To cater for premium class, credit card companies have created a new vertical in Indian market called “Luxury or Lifestyle cards”.

Lifestyle cards are the most luxurious credit cards offered by banks in India. These credit cards offer unmatched reward points & services to customers. Banks typically offer these cards only to premium customers. 

With most banks offering their version of “luxury card”, it is becoming increasing difficult for customers to find true luxury cards. Our team at, has looked closely at benefits of best cards offered by individual banks in India and in our view, only three cards are worthy of being called a luxury credit cards.

The cards identified by us are typically granted to customers who have an income tax return(ITR) earning of over 25 lakhs per year and is willing to pay thousands of rupees in fees.  

Let us look the best premium cards in India:

American Express Platinum Card

Amex is the world’s best credit card company when it comes to customer satisfaction. Amex is known to stand behind its clients to the extent that some merchants are hesitant in accepting these cards because they know that if the customer is not happy with the service offered (and hence disputes the charge) the customer will receive a complete refund at merchant’s cost. 

While Amex is known for its customer-centric approach, American Express Platinum cards take the services to the next level.


Do anything Platinum Concierge

Concierge service offers a personal assistant who is a phone call away and who can help you complete your work like booking hotels/flights and lots more.

With “Do anything Platinum Concierges” American Express takes the concierge service a step forward and via this Concierge, you can get your work done across the world. Let it be simple things like booking a flight to planning a complete personalized vacation a far foreign country; these Concierges are the best in the world. They can help you get tickets to “Invite only” events or hard-to-get dinner reservations or tickets to an already sold out even and much more.

Platinum Elite Tier Memberships

With American Express Platinum card, you are automatically enrolled in top platinum rewards program from Hilton Hotel, Taj Inner, Starwood, Hertz, Carlson and much more.

Platinum Golf

By having this card, you get access to all top golf courses in India from Gulmarg to Assam to Delhi to Chennai. You just need to show your card while taking and you will receive the complimentary access.

Airport Lounge Access

Unlimited Airport lounge access across the world for you and your guest.

And lots of more like rewards points and gifts catalog.

Eligibility Criteria

  • Income Tax Return – Around Rupees 40 Lakhs.
  • Residence City – Applicant should live in one of these cities: Delhi/NCR, Mumbai, Pune, Bangalore, Chennai, Indore, Coimbatore, Chandigarh, Ahmedabad, Surat, Vadodara, and Hyderabad.
  • Excellent Credit History

Annual Fees

All good things in life come for a price, and with Annual fees of Rs 50,000 (+ taxes ), American Express Platinum Card is no exception.

Have money and will to spend on luxury, apply for American Express Platinum Credit Card.

CitiBank Prestige Card

Founded in 1812, CitiBank is one of the oldest banks in the world. Citi Prestige the most luxurious card offered by Citibank to its premium customers across the globe.  Since Citibank is a multinational group, it has excellent tie-ups with hotels/airlines across the world, and hence as Citi Prestige card holder, customers get unique travel perks across the world.

Annual Fees

Annual Fees is Rs 20,000 ( + Applicable Taxes)


24/7 Citi Prestige Concierge team

No matter where your journey takes you, Citi Prestige Concierge team is there to help. From booking seats at the best tables across the world, to arranging fantastic experiences almost anywhere in the world, everything is just a call away.

Bonus Points

Receive 10,000 bonus air miles and vouchers/card worth Rs 10,000 from Taj Group or ITC Hotels every year ( after payment of your annual fees). 

Complimentary Stay at Premium Hotel

Stay four consecutive nights and get 4th night complimentary at participating Taj Group of hotels across the world.

Complimentary Airport Lounge Access across the world

Unlimited Priority Pass Lounge Access for primary and supplementary cardmember across the 900+ airport lounges in the world.

Do you travel internationally a lot and a need card which will support you throughout the world? Apply for Citibank Prestige card.

HDFC Diners Club Black

HDFC Bank is the largest issuer of credit cards in India and the most luxurious credit card issued by HDFC bank is “HDFC Diners Club.”  With tie-up of Diners Club, the card offers unmatched international travel benefits and because the card is issued by India’s leader HDFC Bank, the reward points associated with the card while shopping & spending (especially in India) are unmatched.

Annual Fees

Annual Fees is Rs 10,000 ( + Applicable Taxes) and renewal membership fees is Rs 5,000 ( + Taxes ).


Higher credit limit

Once approved HDFC Diner Club black card typically comes with a minimum credit limit of 10 Lakhs or more. For selected customers, the card also offers a unique No Pre-set Spending Limit, and hence you can swipe the card for any amount.

Reward Points

Cardholders earn 5 Reward Points for every Rs. 150/- retail spends ( except fuel ) and 10 reward points for every spend of Rs 150/- on

The points are redeemable for booking hotels/airlines tickets or selecting gifts from exclusive reward redemption catalog for HDFC Bank Diners Club.

However unlike American Express or Citibank with lifetime validity of points earned, the reward points of HDFC Diner black card are valid for three years only. 

Concierge Service

Concierge Service offered by HDFC card would help you in getting the work done like booking of hotel/airlines tickets/golf courses etc. 

Complimentary Airport Lounge Access across the world

The card comes with three variants and each offer different level access to lounges across the world.  

  1. HDFC Bank Diners Club Black Credit Card
  2. HDFC Bank Diners Club Premium Credit Card
  3. HDFC Bank Diners Club Rewardz Credit Card

We would recommend that you opt for HDFC Bank Diners Club Black credit card if you do decide to take HDFC Priority Black Credit Card.

Shop a lot in India and want to be treated like a Maharaja via rewards points and other benefits, apply for HDFC Bank Diners Club Card.

Do you have any of these cards, if yes what has your experience been? Which of these cards would you really like to get, leave your thoughts in comments section below and let us have a discussion 🙂