As the name suggests, the premiumcredit cards offer premium benefits to the users. They are usually considered as the crème de la crème out of all credit cards. These credit cards provide the top in class privileges and benefits that a usual credit card doesn’t provide.
A premium credit card, in general, provides a much higher Credit Limit. The user gets additional benefits like Travel Insurance, product warranties, emergency services, etc. In order to get a premium credit card, you need to have a good Credit Score and a strong credit history.
Top Premium Credit Cards
Here are some of the best premium credit cards in India you should consider.
List of premium credit cards along with their annual fees-
On joining, enjoy the welcome e-Gift voucher worth Rs. 5,000
Enjoy free movie tickets worth Rs. 6,000 every year
Earn up to 50,000 bonus reward points worth Rs. 12,500 per year
Get a complimentary membership for Club Vistara and Trident Privilege program
4. Kotak Privy League Signature Card
Earn 5x reward points on every Rs 100 spent
Get access to airport lounges through Priority Pass membership card
Get 4 complimentary movie tickets from PVR every quarter
Get fuel surcharge waiver of 1% at all the gas stations in India
5. Citi PremierMiles Card
Earn 10,000 miles on spending Rs. 1,000 or more for the first time within a period of 60 days
Get 3000 miles bonus on card renewal
Get 10 miles for every Rs 100 spent on airline transactions
Get 100 miles points on spending every Rs. 45
6. Standard Chartered Ultimate Credit Card
Earn 5 reward points on every Rs. 150 spent
Get free access to over 1000 airport lounges both domestic and international
Up to 25% discount at over 250 restaurants in India
Golf tickets and tutorials annually
How to Apply for a Premium Credit Card?
In case you are interested in buying a premium credit card, you can choose either of the ways to apply for it-
You can apply for a premium credit card online by following the steps mentioned below-
Go to the desired credit card company’s official website
Choose the type of credit card you wish to apply
Click on the ‘Apply Online’ option
An OTP (One time password) is sent to your registered mobile phone. Use this OTP to proceed
Enter your personal details
Select Apply, and proceed further
Once you choose the credit card, you can apply by simply visiting its bank branch. The respective representative will help you complete the application and choose the appropriate card. Your eligibility will be checked based on certain parameters like- credit score, monthly Income, credit history, etc.
Documents Required for Premium Credit Cards
Following are the documents required to get premium credit cards-
An identity proof issued by the government of India like Voter ID, driving license, aadhaar card, passport, ration card, etc.
Disclaimer: All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
Mutual fund investments are subject to market risks. Please read the scheme information and other related documents carefully before investing. Past performance is not indicative of future returns. Please consider your specific investment requirements before choosing a fund, or designing a portfolio that suits your needs.
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