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51
Cards Listed
in this category
1.5%
Avg. Reward Rate
base earn rate
47
With Lounge Access
of 51 cards
Sorted by expert rating ↓
HDFC Bank
HDFC InfiniaBest for HNI & frequent travellers
Annual Fee
₹12,500
Waiver at ₹10,00,000
Rewards
3.3% on Dining
3.3% base on all spends
Lounge
12 visits/yr
Priority Pass
Forex
2%
markup
3.3% reward rate — best-in-class for premium cards
Axis Bank
Magnus for BurgundyBest for HNI & frequent travellers
Annual Fee
₹30,000
Waiver at ₹30,00,000 (excludes insurance, gold, fuel, utilities & telecom)
Rewards
6% on Travel EDGE Portal (up to ₹2L/month)
1.2% base on all spends
Lounge
999 visits/yr
Priority Pass
Forex
2%
markup
Unlimited international Priority Pass lounge access for primary cardholder
Axis Bank
Burgundy PrivateBest for HNI & frequent travellers
Annual Fee
₹50,000
Waived as long as Burgundy Private status (₹5 Crore TRV) is maintained
Rewards
1.5% on International Spends (Zero Forex)
1.5% base on all spends
Lounge
999 visits/yr
Priority Pass
Forex
NIL
markup
Zero forex markup fee on all international transactions — industry-best for global spenders
Axis Bank
OlympusBest for HNI & frequent travellers
Annual Fee
₹20,000
No spend-based fee waiver
Rewards
8% on International Spends (2 EDGE Miles/₹100)
4% base on all spends
Lounge
999 visits/yr
Priority Pass
Forex
1.8%
markup
Excellent 4.0% effective domestic reward rate in partner points (1 EDGE Mile = 4 Partner points)
Axis Bank
ReserveBest for HNI & frequent travellers
Annual Fee
₹50,000
Waiver at ₹35,00,000
Rewards
3% on International Spends (30 pts/₹200)
1.5% base on all spends
Lounge
999 visits/yr
Priority Pass
Forex
1.5%
markup
Unlimited domestic and international lounge access for primary and add-on cardholders with 12 free guest visits per year (unconditional)
Axis Bank
PrimusBest for HNI & frequent travellers
Annual Fee
₹3,00,000
No spend-based fee waiver
Rewards
5% on Travel Spends
5% base on all spends
Lounge
999 visits/yr
Priority Pass
Forex
NIL
markup
Industry-best 1:5 transfer ratio for EDGE Miles to partner miles/points — unparalleled value
HSBC
HSBC PremierBest for HNI & frequent travellers
Annual Fee
₹20,000
Waived for customers maintaining the HSBC Premier relationship (TRB ₹50 Lakhs or ₹3 Lakhs/month salary)
Rewards
12% on Travel Bookings (up to 12X)
3% base on all spends
Lounge
999 visits/yr
Priority Pass
Forex
0.99%
markup
Outstanding 3.0% base reward rate in miles with clean 1:1 transfers to major partners
HSBC
TravelOneBest for Travel & airline miles
Annual Fee
₹4,999
Waiver at ₹8,00,000
Rewards
4% on Travel Spends & OTAs (4 pts/₹100)
2% base on all spends
Lounge
10 visits/yr
Priority Pass
Forex
3.5%
markup
Excellent 4.0% reward rate on travel, airline, and international transactions
IndusInd Bank
Avios Visa InfiniteBest for Travel & airline miles
Annual Fee
₹10,000
No spend-based fee waiver
Rewards
4.5% on Preferred Intl Destination (6 Avios/₹200)
0.75% base on all spends
Lounge
16 visits/yr
Priority Pass
Forex
1.5%
markup
Co-branded card earning direct Avios for Qatar Airways and British Airways Executive Club
IndusInd Bank
IndulgeBest for HNI & frequent travellers
Annual Fee
₹10,000
No spend-based fee waiver
Rewards
1.5% on All Retail Spends
1.5% base on all spends
Lounge
40 visits/yr
Priority Pass
Forex
1.8%
markup
Unique 22K gold inlay card design offering high prestige and visual distinction
IndusInd Bank
Pioneer HeritageBest for HNI & frequent travellers
Annual Fee
₹25,000
Tied to Pioneer banking relationship (TRV criteria)
Rewards
2.5% on International Spends (2.5 points/₹100)
1% base on all spends
Lounge
999 visits/yr
Priority Pass
Forex
NIL
markup
True 0% forex markup fee on all international spends — market-leading feature
Kotak Mahindra Bank
White ReserveBest for HNI & frequent travellers
Annual Fee
₹12,500
Waiver at ₹12,0,000
Rewards
2% on Milestone Rewards (White Pass)
2% base on all spends
Lounge
999 visits/yr
Priority Pass
Forex
2%
markup
Unlimited domestic and international airport lounge access for primary & add-on members
YES Bank
YES PrivateBest for HNI & frequent travellers
Annual Fee
₹10,000
Waiver at ₹25,00,000
Rewards
5% on International Spends (40 pts/₹200)
2.5% base on all spends
Lounge
999 visits/yr
Priority Pass
Forex
0.5%
markup
Outstanding base reward rate: 2.5% domestic and 5.0% international return
IDFC FIRST Bank
FIRST PrivateBest for HNI & frequent travellers
Annual Fee
₹50,000
No spend-based fee waiver
Rewards
33.3% on Travel App Hotels (50X)
1.66% base on all spends
Lounge
999 visits/yr
Priority Pass
Forex
NIL
markup
Excellent travel booking returns up to 33.3% (50X) on hotels and 13.3% (20X) on flights via mobile app
American Express
Amex Platinum ChargeBest for HNI & frequent travellers
Annual Fee
₹66,000
No spend-based fee waiver
Rewards
3.75% on Overseas Spends (3X)
1.25% base on all spends
Lounge
999 visits/yr
Priority Pass
Forex
3.5%
markup
Complimentary elite status at major hotel chains: Marriott Bonvoy Gold, Hilton Honors Gold, Taj InnerCircle
AU Small Finance Bank
Zenith+Best for HNI & frequent travellers
Annual Fee
₹4,999
Waiver at ₹8,00,000
Rewards
2% on Dining (2X)
1% base on all spends
Lounge
16 visits/yr
Priority Pass
Forex
0.99%
markup
Very low 0.99% forex markup fee — excellent for international transactions
SBI Card
EliteBest for HNI & frequent travellers
Annual Fee
₹4,999
Waiver at ₹10,00,000
Rewards
2.5% on Dining, Groceries, Departmental Stores (5X)
0.5% base on all spends
Lounge
14 visits/yr
Priority Pass
Forex
1.99%
markup
₹5,00,00 welcome gift card (Yatra/Bata/Pantaloons) offsets the joining fee
YES Bank
ELITE+Best for Dining, movies & lifestyle
Annual Fee
₹999
Waiver at ₹2,00,000
Rewards
1.5% on Online Shopping (12 pts/₹200)
0.75% base on all spends
Lounge
11 visits/yr
Visa Lounge
Forex
2.75%
markup
Reasonable annual fee of ₹999 with a low waiver threshold of ₹2 Lakhs
Kotak Mahindra Bank
WhiteBest for Dining, movies & lifestyle
Annual Fee
₹3,000
Waiver at ₹5,00,000
Rewards
2% on Milestone Rewards (White Pass)
1.5% base on all spends
Lounge
12 visits/yr
Priority Pass
Forex
3.5%
markup
Generous milestone rewards program offering up to 2.25% value back (₹27,000 on ₹12L spends)
HDFC Bank
Diners Club Black MetalBest for HNI & frequent travellers
Annual Fee
₹10,000
Waiver at ₹8,00,000
Rewards
6.6% on Weekend Dining (2X)
3.3% base on all spends
Lounge
999 visits/yr
Diners Club
Forex
2%
markup
3.3% base reward rate matching HDFC Infinia — exceptional value
ICICI Bank
Emeralde Private MetalBest for HNI & frequent travellers
Annual Fee
₹12,499
Waiver at ₹10,00,000
Rewards
36% on iShop Hotels (12X)
3% base on all spends
Lounge
999 visits/yr
Priority Pass
Forex
2%
markup
Flat 3.0% reward rate on all eligible base retail spends — industry-leading base return
SBI Card
SBI CashbackBest for Online & everyday cashback
Annual Fee
₹999
Waived on ₹2,00,000 annual spend
Rewards
5% on Online Spends
1% base on all spends
Lounge
4 visits/yr
Dreamfolks
Forex
3.5%
markup
5% cashback on all online spending — industry leading
Axis Bank
Axis Bank AtlasBest for Travel & airline miles
Annual Fee
₹5,000
Rewards
5% on Dining
2% base on all spends
Lounge
8 visits/yr
Dreamfolks
Forex
2%
markup
5X on dining & travel portals
American Express
American Express Platinum TravelBest for Travel & airline miles
Annual Fee
₹5,000
Spend ₹1,50,000 in first 90 days for fee reversal
Rewards
5% on Dining
1% base on all spends
Lounge
8 visits/yr
Priority Pass
Forex
3.5%
markup
Milestone benefits are exceptional (₹24,000 from ₹7.5L spend)
SBI Card
SBI Aurum Credit CardBest for HNI & frequent travellers
Annual Fee
₹9,999
Waiver at ₹12,00,000
Rewards
1% on Eligible Retail Spends
1% base on all spends
Lounge
16 visits/yr
Dreamfolks
Forex
1.99%
markup
Unlimited international airport lounge access with 1 free guest visit per quarter.
ICICI Bank
ICICI Amazon PayBest for Online & everyday cashback
Annual Fee
₹500
Free for Amazon Prime members
Rewards
5% on Amazon (Prime)
1% base on all spends
Lounge
4 visits/yr
Dreamfolks
Forex
3.5%
markup
5% back on Amazon for Prime members — unbeatable
HDFC Bank
Regalia GoldBest for Travel & airline miles
Annual Fee
₹2,500
Waiver at ₹4,00,000
Rewards
6.25% on 5X Partner Brands (Myntra/Nykaa/M&S)
1% base on all spends
Lounge
18 visits/yr
Visa Lounge
Forex
2%
markup
Outstanding 12.5% return on flights/hotels booked via HDFC SmartBuy portal
HDFC Bank
Diners Club PrivilegeBest for Dining, movies & lifestyle
Annual Fee
₹1,000
Waiver at ₹3,00,000
Rewards
5% on 5X Swiggy & Zomato
1% base on all spends
Lounge
12 visits/yr
Diners Club
Forex
2%
markup
Strong 5.0% reward yield on Swiggy and Zomato food delivery spending
HDFC Bank
BizPowerBest for HNI & frequent travellers
Annual Fee
₹2,500
Waiver at ₹4,00,000
Rewards
6.25% on Business Accelerated Spends (5X)
1.25% base on all spends
Lounge
14 visits/yr
Visa Lounge
Forex
2%
markup
Outstanding 6.25% return on key business utility, ads, and MMT travel spends
IDFC FIRST Bank
MayuraBest for Travel & airline miles
Annual Fee
₹5,999
No direct annual fee waiver. Paid renewal benefits apply.
Rewards
10% on App Flights Booking (30X)
1.67% base on all spends
Lounge
32 visits/yr
Visa Lounge
Forex
NIL
markup
Industry-leading 0% Forex markup fee on all international spends
IDFC FIRST Bank
AshvaBest for Travel & airline miles
Annual Fee
₹2,999
No direct annual fee waiver. Paid renewal benefits apply.
Rewards
2.67% on Incremental Spends > ₹20k (10X)
1.33% base on all spends
Lounge
24 visits/yr
Visa Lounge
Forex
1%
markup
Low 1.0% Forex markup fee on all international spending
IDFC FIRST Bank
SelectBest for Flexible reward points
Annual Fee
Free
Lifetime Free Credit Card
Rewards
1.25% on Travel Spends (10X)
0.38% base on all spends
Lounge
8 visits/yr
Visa Lounge
Forex
1.99%
markup
Lifetime Free (LTF) credit card with zero joining or annual fees
SBI Card
Miles EliteBest for Travel & airline miles
Annual Fee
₹4,999
Waiver at ₹15,00,000
Rewards
1.5% on Travel Bookings (6X)
0.25% base on all spends
Lounge
14 visits/yr
Visa Lounge
Forex
1.99%
markup
Excellent 1:1 points transfer ratio to Air India Flying Returns miles
SBI Card
PrimeBest for Flexible reward points
Annual Fee
₹2,999
Waiver at ₹3,00,000
Rewards
2.5% on Dining, Groceries, Dept. Stores, Movies (10X)
0.5% base on all spends
Lounge
12 visits/yr
Visa Lounge
Forex
3.5%
markup
Decent 2.5% reward rate on key daily spending categories (Dining, Groceries, Movies)
SBI Card
Air India SBI SignatureBest for Travel & airline miles
Annual Fee
₹4,999
No annual fee waiver. 5,000 anniversary reward points credited instead.
Rewards
12% on Air India Bookings (30X)
1.6% base on all spends
Lounge
8 visits/yr
Visa Lounge
Forex
3.5%
markup
Outstanding 12.0% rewards value on booking self-travel tickets directly via Air India
IDFC FIRST Bank
IndiGo 6E RewardsBest for Travel & airline miles
Annual Fee
₹4,999
No annual fee waiver. 5,000 BluChips and meal voucher credited instead.
Rewards
22% on IndiGo Bookings (22X)
3% base on all spends
Lounge
No access
Forex
1.49%
markup
Substantial 22.0% rewards return on booking flights via the IndiGo website/app
Axis Bank
HorizonBest for Travel & airline miles
Annual Fee
₹3,000
No standard spend-based annual fee waiver. 1,500 renewal EDGE Miles credited annually.
Rewards
2.5% on Axis Travel EDGE & Direct Airlines (5X)
1% base on all spends
Lounge
32 visits/yr
Visa Lounge
Forex
2%
markup
Generous 1:1 transfer ratio into premier airline (KrisFlyer, Vistara) and hotel (Accor) loyalty points
Axis Bank
SelectBest for Dining, movies & lifestyle
Annual Fee
₹3,000
Waiver at ₹8,00,000
Rewards
2% on Retail Shopping Spends (20X)
1% base on all spends
Lounge
14 visits/yr
Visa Lounge
Forex
3.5%
markup
Excellent lifestyle benefits (Swiggy discounts, BigBasket offers, movie ticket BOGO)
YES Bank
RESERVBest for HNI & frequent travellers
Annual Fee
₹2,499
Waiver at ₹3,00,000
Rewards
3% on Travel & Dining Spends (24X)
1.5% base on all spends
Lounge
18 visits/yr
Visa Lounge
Forex
1.75%
markup
Highly competitive reward rates of 3.0% on travel and dining spends
RBL Bank
World SafariBest for Travel & airline miles
Annual Fee
₹3,000
No standard automatic annual fee waiver. Relationship-based waivers apply.
Rewards
1.25% on Travel Bookings (5X)
0.5% base on all spends
Lounge
10 visits/yr
Visa Lounge
Forex
NIL
markup
Industry-best 0% foreign exchange markup on all international transactions
Kotak Mahindra Bank
Zen SignatureBest for Flexible reward points
Annual Fee
₹1,500
Waiver at ₹1,50,000
Rewards
1.33% on Shopping, Apparel, Lifestyle (10X)
0.67% base on all spends
Lounge
11 visits/yr
Visa Lounge
Forex
3.5%
markup
Double reward rate (1.33% yield) on key shopping, apparel, and lifestyle categories
IndusInd Bank
PinnacleBest for HNI & frequent travellers
Annual Fee
Free
Lifetime Free Credit Card after joining fee
Rewards
1.88% on Online Retail Spends (Non-Travel)
0.75% base on all spends
Lounge
8 visits/yr
Visa Lounge
Forex
2%
markup
Phenomenal 1.88% cash return on online retail shopping spends
ICICI Bank
SapphiroBest for HNI & frequent travellers
Annual Fee
₹3,500
Waiver at ₹6,00,000
Rewards
1% on International Spends
0.5% base on all spends
Lounge
18 visits/yr
Visa Lounge
Forex
3.5%
markup
Generous welcome benefits exceeding ₹13,000 in vouchers (Tata CLiQ, EaseMyTrip)
ICICI Bank
RubyxBest for Dining, movies & lifestyle
Annual Fee
₹2,000
Waiver at ₹3,00,000
Rewards
1% on International Spends
0.5% base on all spends
Lounge
16 visits/yr
Visa Lounge
Forex
3.5%
markup
Welcome vouchers worth ₹5,000+ offset the ₹3,000 joining fee
Federal Bank
CelestaBest for HNI & frequent travellers
Annual Fee
Free
Lifetime Free Credit Card
Rewards
1.5% on Travel & International Spends (3X)
0.5% base on all spends
Lounge
10 visits/yr
Visa Lounge
Forex
2%
markup
Lifetime Free (LTF) status with zero annual or joining fees
American Express
Platinum ReserveBest for HNI & frequent travellers
Annual Fee
₹10,000
Waiver at ₹10,00,000
Rewards
3% on Amex Rewards Multiplier (3X)
1% base on all spends
Lounge
14 visits/yr
Visa Lounge
Forex
3.5%
markup
Outstanding monthly milestones giving up to ₹12,000 in vouchers annually
American Express
Gold ChargeBest for Dining, movies & lifestyle
Annual Fee
₹4,500
No official spend-based annual fee waiver. Relationship-based waivers apply.
Rewards
5% on Amex Rewards Multiplier (5X)
1% base on all spends
Lounge
No access
Forex
3.5%
markup
Legendary metal-like gold status factor with no pre-set spending limit as a Charge Card
HDFC Bank
Biz BlackBest for HNI & frequent travellers
Annual Fee
₹10,000
Waiver at ₹7,50,000
Rewards
8.33% on Business Accelerated Spends (5X)
1.67% base on all spends
Lounge
99 visits/yr
Visa Lounge
Forex
2%
markup
Unlimited complimentary domestic and international lounge access for primary and add-on members
American Express
MRCCBest for Flexible reward points
Annual Fee
₹4,500
Waiver at ₹1,50,000
Rewards
2% on Amex Rewards Multiplier (2X-5X)
1% base on all spends
Lounge
No access
Forex
3.5%
markup
One of the easiest and most accessible milestone-rewards setups in India (up to 24,000 points annually)
Axis Bank
Airtel AxisBest for Online & everyday cashback
Annual Fee
₹500
Waiver at ₹2,00,000
Rewards
25% on Airtel Bill Payments (25%)
1% base on all spends
Lounge
No access
Forex
3.5%
markup
Industry-best 25% cashback on Airtel mobile, broadband, and DTH bill payments
HSBC
Live+Best for Online & everyday cashback
Annual Fee
₹999
Waiver at ₹2,00,000
Rewards
10% on Dining, Food Apps & Groceries (10%)
1.5% base on all spends
Lounge
4 visits/yr
Visa Lounge
Forex
3.5%
markup
Outstanding 10% cashback on everyday dining, food delivery (Zomato/Swiggy), and grocery store purchases
Editorial Disclosure: CardVault India earns a commission when you apply through our "Apply Now" links at no extra cost to you. Our rankings are based purely on reward value calculations and expert analysis — never on affiliate payouts. Card details are verified as of June 2026. Always confirm fees and terms on the issuing bank's website before applying.