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
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Showing 13 of 13 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
✓Invite-only exclusivity
✓Unlimited lounge access worldwide
✓Bundled premium services
✓Dedicated relationship manager
✓Unlimited worldwide lounge access
✓2 complimentary domestic flights/year
✓Luxury concierge
✓Golf at 100+ courses
✓Unlimited domestic lounge access
✓4 international lounge visits/quarter
✓Golf game on landmark spends
✓Air accident insurance ₹3Cr
✓Centurion lounge access worldwide
✓Marriott Gold / Hilton Gold status
✓Rs 10K Taj/ITC credit annually
✓Global dining credits
✓Unlimited domestic lounge access
✓4 international lounge visits/quarter
✓10X points on dining
✓Golf game access
✓Zero forex markup
✓Private concierge service
✓Unlimited domestic lounge access
✓6 international lounge visits/year
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
Standard Chartered Ultimate
Standard Chartered · Mastercard
Annual Fee
₹5,000
Reward Rate
3.3X
Lounge
04
✓5% cashback on online merchants
✓Complimentary Priority Pass
✓4 international lounge visits/year
✓Taj Epicure membership benefit
✓High rewards on travel & dining
✓Premium lounge access — 12 domestic/year
✓Golf privileges
✓Concierge service
HDFC Diners Club Metal
HDFC Bank · Diners Club
Annual Fee
₹10,000
Reward Rate
5X
Lounge
∞6
✓33X rewards on SmartBuy
✓Unlimited domestic lounge
✓6 international lounge visits/quarter
✓Golf privileges at 100+ courses
HDFC Diners BizBlack
HDFC Bank · Diners Club
Annual Fee
₹10,000
Reward Rate
5X
Lounge
∞6
✓5X rewards on all spends
✓Business expense management
✓Tax benefits on GST payments
✓Unlimited lounge access
✓12X EDGE points on premium categories
✓35X points on Axis Travel EDGE
✓8 domestic lounge visits/quarter
✓Complimentary golf access