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 and international airport lounge access via Priority Pass
✓5X reward points on Swiggy, Zomato, Myntra, Nykaa and Apple
✓10X on flights and hotels via HDFC SmartBuy portal
✓Air accident cover Rs.3 Crore + overseas medical Rs.50 Lakh
✓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 and international lounge access
✓6X reward points on Tata brand purchases
✓Complimentary Club Marriott membership
✓Air accident cover Rs.3 Crore + overseas medical Rs.50 Lakh
✓Centurion lounge access worldwide
✓Marriott Gold / Hilton Gold status
✓Rs 10K Taj/ITC credit annually
✓Global dining credits
✓Rs.30,000 worth of gift vouchers (Taj/ITC) on card activation
✓Unlimited domestic and international lounge access
✓Complimentary golf at premium courses
✓Dedicated concierge service
✓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
✓Unlimited domestic and international lounge access via Diners Club
✓10X rewards on HDFC SmartBuy (flights, hotels, shopping)
✓Fee waived at Rs.5 Lakh — achievable at Rs.42K/month
✓Quarterly milestone bonuses: 25,000 RP on Rs.3L quarterly spend
Standard Chartered Ultimate
Standard Chartered · Mastercard
Annual Fee
₹5,000
Reward Rate
3.3X
Lounge
04
✓3.3% cashback on all spends — highest flat rate among Indian premium cards
✓Unlimited domestic lounge access
✓2 complimentary international lounge visits per year
✓Annual fee waived at Rs.5 Lakh spend
✓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
✓12 EDGE Miles per Rs.200 on all spends — one of India is highest base earn rates
✓Unlimited Priority Pass lounge access — domestic and international
✓35 EDGE Miles per Rs.200 on Axis Travel EDGE portal bookings
✓Transfer to Singapore KrisFlyer, Air India Flying Returns, Marriott Bonvoy