Exclusive credit cards in India - Diners Club Black, Axis Bank Reserve, SBI Aurum, HDFC Bank Infinia Metal Edition

Think you have an exclusive credit card? Think again. Here are the most exclusive credit cards in India.

4 Super-premium and exclusive credit cards in India

There are exclusive credit cards offered by banks, but they aren’t available to just anyone. These cards are open to top-earning businessmen and CXOs who are more likely to spend - not just big, but gigantically. Each card offers some extraordinary benefits. Let’s take a look at the top four:

1. Diners Club Black 

To apply for this card, you need to earn a minimum of Rs 1.75 lakh per month (or a minimum ITR of Rs 21 lakh per year if you are self-employed). With a Rs 10,000 annual fee, this card offers 10x rewards on international spending and 5 reward points for each Rs 150 on retail spending. You also get air accident cover of Rs 2 crore, emergency medical cover up to Rs 50 lakh, a credit liability cover up to Rs 9 lakh, and travel insurance up to Rs 55,000 on baggage loss or delay. Moreover, you also get six complimentary golf games per quarter and complimentary golf lessons across international and domestic golf courses.

2. Axis Bank Reserve 

This invite-only credit card has an annual fee of Rs 50,000 plus taxes. With it in your wallet, you can enjoy four chauffeured luxury airport pickups and drops every year, unlimited access to domestic and international lounges, and a Club Marriott membership. What’s more, you get 50 rounds of golf free at golf courses across India. You get 15 reward points on every Rs 200, twice that when you spend internationally. There are fuel surcharge waivers, zero cash withdrawal charges, and offers on BookMyShow.

Related: How To Decide When To Use What - Cash, Debit Card And Credit Card?

3. SBI Aurum 

This invite-only card offers 40,000 points (equal to Rs 10,000) as a welcome benefit. You get a Rs 1500 Tata Cliq voucher on spending over Rs 1 lakh per month, a LUXE voucher worth Rs 5000 on spending Rs 5 lakh annually, and Taj vouchers worth Rs 10,000 on spending Rs 10 lakh annually. Enjoy unlimited access to international lounges, plus four domestic lounges every quarter. It even gives you access to one domestic airport spa every quarter. This card has an annual fee of Rs 10,000, excluding taxes. 

Related: Own A Credit Card? Know These Insurance Benefits Available To You

4. HDFC Bank Infinia Metal Edition 

This invite-only card has a credit limit of Rs 8 lakh and no preset spending limit. You get a free Priority Pass Membership and unlimited access to domestic and international lounges. Enjoy unlimited free golf games at exclusive golf courses within the country and overseas. You get 5 reward points per Rs 150 retail spending, 2x rewards on dining, and 10x on shopping and travel spending. The card offers a medical emergency cover of Rs 50 lakh, credit shield cover up to Rs 9 lakh, and air accident death cover up to Rs 3 crore.

Related: Corporate Credit Cards - Dos And Don'ts

The bottom line

It’s easy to see why these cards are the most exclusive credit cards in the country. With their steep annual fees and/or invite-only policy, it is no wonder that only the ultra-rich can afford them. There are many credit cards available in India but owning these cards is a privilege enjoyed by a select few. 

 

There are exclusive credit cards offered by banks, but they aren’t available to just anyone. These cards are open to top-earning businessmen and CXOs who are more likely to spend - not just big, but gigantically. Each card offers some extraordinary benefits. Let’s take a look at the top four:

1. Diners Club Black 

To apply for this card, you need to earn a minimum of Rs 1.75 lakh per month (or a minimum ITR of Rs 21 lakh per year if you are self-employed). With a Rs 10,000 annual fee, this card offers 10x rewards on international spending and 5 reward points for each Rs 150 on retail spending. You also get air accident cover of Rs 2 crore, emergency medical cover up to Rs 50 lakh, a credit liability cover up to Rs 9 lakh, and travel insurance up to Rs 55,000 on baggage loss or delay. Moreover, you also get six complimentary golf games per quarter and complimentary golf lessons across international and domestic golf courses.

2. Axis Bank Reserve 

This invite-only credit card has an annual fee of Rs 50,000 plus taxes. With it in your wallet, you can enjoy four chauffeured luxury airport pickups and drops every year, unlimited access to domestic and international lounges, and a Club Marriott membership. What’s more, you get 50 rounds of golf free at golf courses across India. You get 15 reward points on every Rs 200, twice that when you spend internationally. There are fuel surcharge waivers, zero cash withdrawal charges, and offers on BookMyShow.

Related: How To Decide When To Use What - Cash, Debit Card And Credit Card?

3. SBI Aurum 

This invite-only card offers 40,000 points (equal to Rs 10,000) as a welcome benefit. You get a Rs 1500 Tata Cliq voucher on spending over Rs 1 lakh per month, a LUXE voucher worth Rs 5000 on spending Rs 5 lakh annually, and Taj vouchers worth Rs 10,000 on spending Rs 10 lakh annually. Enjoy unlimited access to international lounges, plus four domestic lounges every quarter. It even gives you access to one domestic airport spa every quarter. This card has an annual fee of Rs 10,000, excluding taxes. 

Related: Own A Credit Card? Know These Insurance Benefits Available To You

4. HDFC Bank Infinia Metal Edition 

This invite-only card has a credit limit of Rs 8 lakh and no preset spending limit. You get a free Priority Pass Membership and unlimited access to domestic and international lounges. Enjoy unlimited free golf games at exclusive golf courses within the country and overseas. You get 5 reward points per Rs 150 retail spending, 2x rewards on dining, and 10x on shopping and travel spending. The card offers a medical emergency cover of Rs 50 lakh, credit shield cover up to Rs 9 lakh, and air accident death cover up to Rs 3 crore.

Related: Corporate Credit Cards - Dos And Don'ts

The bottom line

It’s easy to see why these cards are the most exclusive credit cards in the country. With their steep annual fees and/or invite-only policy, it is no wonder that only the ultra-rich can afford them. There are many credit cards available in India but owning these cards is a privilege enjoyed by a select few. 

 

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