Updated 2026
Premium Cards Worth the Annual Fee
High fees are fine if the math works out. We checked — here are the ones that do.
Annual Fee
Network
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Showing 6 of 6 cards
HDFC Infinia Metal
SponsoredHDFC Bank · Visa
Annual Fee
₹12,500
Reward Rate
5X
Lounge
∞6
✓Unlimited domestic lounge access
✓6 international lounge visits/quarter
✓5X points on dining & travel
✓Club Marriott membership
HDFC Diners Club Black
HDFC Bank · Diners Club
Annual Fee
₹10,000
Reward Rate
5X
Lounge
∞6
✓5X points on travel & dining
✓Unlimited lounge access
✓Golf game access
✓10X rewards on SmartBuy
✓12X EDGE points on premium categories
✓35X points on Axis Travel EDGE
✓8 domestic lounge visits/quarter
✓Complimentary golf access
✓Unlimited domestic lounge access
✓4 international lounge visits/quarter
✓Golf game on landmark spends
✓Air accident insurance ₹3Cr
✓Unlimited domestic lounge access
✓4 international lounge visits/quarter
✓10X points on dining
✓Golf game access
✓12X reward points on select spends
✓Unlimited domestic lounge access
✓4 international lounge visits/year
✓Golf access
