Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • Credit Card Reviews

    • IndusInd Bank Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I am having Indus Ind credit card for the past 1 year. The benefits like rewards points cash back offers and online offers are available with this card. I am happy with the credit limit. The interest rate is nominal with this card. The best the thing is free movie ticket reward points, and the low interest rate on cash transactions. I am happy to use this card.
      Was this review helpful? 3
      , lucknow
      Reviewed on Jun 23, 2017
    • Standard Chartered Bank Credit Card
      "Overall good"
      0.5 4.0/5 "Great!"
      I hold a credit card with Standard Chartered bank and the offers are good. I earn reward points but I am unable to redeem the points. The credit limit is of 32k, but I am needing a better limit on the card. The customer services and response is good and satisfactory.
      Was this review helpful? 0
      , ernakulam
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Good to Use"
      0.5 4.0/5 "Great!"
      I am using Diner club credit card, whenever I go for any tie up restaurant with the HDFC they are providing some cash back and also I get some reward points. I am happy with credit card service of HDFC. Bill are very transparent and clear about the transaction.
      Was this review helpful? 2
      , bangalore
      Reviewed on Jun 23, 2017
    • ICICI Bank Credit Card
      "Better card to use"
      0.5 4.0/5 "Great!"
      I have never used this ICICI CORAL credit card properly . I hold this ICICI coral card for past 3 years. When I was using this card I got the reward points, cash back offer and the payback card which is attached with this card. For every transaction I will be some loyalty points which is added to the payback card. I am happy about the credit limit. I am satisfied using this card .
      Was this review helpful? 1
      , lucknow
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Better card to use"
      0.5 4.0/5 "Great!"
      The HDFC bank All miles credit card carries benefits like reward points and cash back offers. The reward points can be redeemed as air tickets, which is very good offer. I am happy about the credit limit. The rate of interest is nominal with this card. I am satisfied using this card.
      Was this review helpful? 0
      , lucknow
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Extremely good in the services"
      0.5 5.0/5 "Blown Away!"
      After seeing my transactions in my account, HDFC Bank offered me a credit card with a credit limit of 60K. They have also told me to use the card for the next three to four months and the bank would increase the limit. Even if they do not do it, I would not mind because I am extremely happy with the clarity they provide in the services.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • SBI Cards Credit Card
      "Better card to use"
      0.5 5.0/5 "Blown Away!"
      I have got a SBI platinum card last month and I have made a purchase of a mobile phone. The service with SBI credit card is really good. The rate of interest is nominal with this card. I am happy about the credit limit. The customer service and the response with SBI is good. I am happy to use this S BI platinum credit card.
      Was this review helpful? 2
      , chennai
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Good Card to use"
      0.5 5.0/5 "Blown Away!"
      I am having a Money back credit card with HDFC bank for past 6 months. I get benefits like reward point, cash back offers and Online purchasing offers with this card. I am getting the notifications about the special offers with this card. The rate of interest is nominal with this card. I am happy about the credit limit and satisfied using money back card.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 23, 2017
    • RBL Bank Credit Card
      "Good Card to use"
      0.5 5.0/5 "Blown Away!"
      I am holding this RBL card for almost a year. If I spend more than 5k per month on this card I would be getting rs 500 voucher which can be redeemed as a movie ticket on book my show. This card has an annual fee of rs 500. Happy about the credit limit also I always prefer to pay my credit card bills through NEFT. I am very much satisfied using this RBL card.
      Was this review helpful? 2
      , mumbai
      Reviewed on Jun 23, 2017
    • SBI Cards Credit Card
      "Very good card to use"
      0.5 5.0/5 "Blown Away!"
      SBI simply click card has got reward points scheme, online offers and I getting a better discounts on online purchases too. Also fuel surcharge waiver is applicable on this card but I have not used it though. I am very much happy with the credit limit which was offered on this card. The turn around time taken to pay my credit card bill was around 45 days. I can also make the payment through SBI online portal. Annual fee on this card is rs 500.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 23, 2017
    • Bank Bazaar Customer Support
      "Good service"
      0.5 5.0/5 "Blown Away!"
      It is very nice place to get credit cards . We get early feed backs . It will be good if we get more cards from different banks . Helps in loans . It's almost a like a bank . You can apply from wherever you stay . No need to stand in que. This is very good application
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Charges should be reduced"
      0.5 2.0/5 "Expected more"
      Three years back I had taken car loan from HDFC, they have charged 5% of interest for the foreclosure, I had taken the car loan of Rs. 3.60 lakhs for the tenure of five years. I have done a foreclosure between the tenure period, I am not happy with their charges and it was really high.
      Was this review helpful? 0
      , srinagar
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Clear process"
      0.5 4.0/5 "Great!"
      HDFC Bank has been good on the credit card services and the offers are good and satisfactory. The credit limit is also good and the bills are sent on time and I do not have to recheck the statements they send me. No hassles overall and I am happy to use them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Need improvement in services"
      0.5 3.0/5 "Satisfactory"
      HDFC Bank is not doing well in terms of credit card. They do not value their customers. I am banking for this card for the last nine years and the credit limit is very less and the customer services are also not good, also they are not consistent in the process.
      Was this review helpful? 0
      , madurai
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      The credit card experience with HDFC bank is not good. Probably next year l might stop using this card because they also don't provide any offers and the credit limit they have offered is 50000 rupees and this is a life time free credit card holding this card for more than 5 years now.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • ICICI Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      Frankly speaking , I am not happy with the level of service offered on my ICICI Bank credit card. I do not get proper services when I contact the bank. No proper offers nothing. The credit limit they have provided is 40000 rupees and 200 rupees is annual charge and this card is 3 years old.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • ICICI Bank Credit Card
      "Its Good"
      0.5 4.0/5 "Great!"
      Most promising feature of ICICI Bank credit card is, I am using ICICI coral credit card it is really good for entertainment, every month I am getting two movie tickets from them. Earlier I had Rubyx credit card there annual charges was more. Hence I migrated to coral visa card its good. I am fine with that too.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with HDFC Bank and when I did not get my personal loan through, I called up the customer care and I got the loan on the card. It was a very quick process and hassle free too. There are other benefits and offers on the card and no inconvenience faced.
      Was this review helpful? 0
      , porbandar
      Reviewed on Jun 23, 2017
    • Kotak Credit Card
      "They should transparent in their service"
      0.5 3.0/5 "Satisfactory"
      Kotak Mahindra always takes some unwanted charges for the credit card and they wont give clear information about the charges. They offered me credit limit of Rs.30,000 its very low. I am using it for one year. So far I haven't get any credit card offers, they should work on it.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Nice Credit card"
      0.5 5.0/5 "Blown Away!"
      HDFC gave me good cash back offers, I got upto Rs.2000 based on the product which I purchased. I have been using it for two years its good, they offered credit limit of Rs.75,000. I always make the total amount so I not aware of interest rate. Overall I am happy with their service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
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    Best Credit Cards for High Net-worth Individuals is Rated as "Excellent!" by 35784 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    Credit cards have become an everyday part of our life and one of the most common payment modes preferred by most people. Gone are the days where owning a credit card was considered as a status symbol, however there is a smaller market, which is relatively competitive and comprises of premium cards. Premium Credit Cards require a higher annual and joining fee than the general credit cards. These cards offer highly attractive, top-class features, meant for high net-worth individuals.

    Some of the best credit cards for premium class of high net-worth individuals are:

    American Express Centurion ‘Black’ Card

    The Centurion ‘Black’ Card from American Express is an exclusive card that serves as the status symbol among cardholders. This card is for the country’s rich and popular and is issued by invitation only. The card has a joining fee of Rs.2.5 lakh, which needs to be paid only once, while the annual fee is around Rs.2lakh. One of the unique attractions of the card is that it is made of titanium. The card is very popular elsewhere in the world and does not come with a spending limit.

    America Express Platinum Card

    The Platinum card is a credit card with some uber exclusive and attractive features such as entry to ‘By invitation only’ events, golf memberships, fine dining deals and other platinum offers. Cardholders also have the privilege of enjoying travel and hotel deals, even internationally. The annual fee for the American Express Platinum Card is Rs.50,000 plus taxes. The card does not come with any spending limit and allow the user to enjoy a fancy lifestyle.

    American Express Platinum Reserve Credit Card

    American Express also has another exclusive card for high net-worth individuals with attractive and tempting rewards and benefits. Unparalleled wellness benefits, hotel privileges and special concierge services can be availed on this card.

    Citibank Ultima Card

    The Ultima Card from Citibank is an ‘invitation-only’ card and has been introduced in India with a target customer base of high net worth individuals. The bank has appointed dedicated relationship managers that help cardholders in using the card according to their lifestyle and personal needs. The relationship manager understand the cardholder’s choices and requirements and offers a customized personalized programme to the cardholder. Some of the features include access to private islands and exclusive concierge services.

    Citibank PremierMiles Credit Card

    The high net-worth frequent traveller can opt for the PremierMiles card from Citibank. Individuals who own this card can earn and collect miles that do not have an expiry date. These miles can be redeemed at pioneering airlines such as Qatar Airways, Etihad Airways, Cathay Pacific, Thai Airways, etc.

    IndusInd Bank Indulge Card

    With a pure 22K gold inlay, IndusInd Bank;s Indulge card is for the elite group of cardholders. Cardholders undergo a strict screening based on their payment history, expenses, and lifestyle to determine eligibility for the card. Cardholders of IndusInd’s Indulge card have to pay a yearly fee of Rs.10,000 and a joining fee of Rs.1 lakh.

    Standard Chartered Emirates Platinum Card

    The Emirates Platinum Card from Standard Chartered offers the Emirates Skywards rewards program that enables cardholders to earn many rewards points. Additionally, cardholders also earn lounge membership and travel insurance every time they fly with tickets bought on the card.

    SBI Signature Card

    The Signature Card from SBI is a luxury credit card that comes with attractive features such as discounted deals at partner hotels and villas all the world, entry to the best golf courses, best rates on the Hertz Car Rental Program and shopping benefits at leading stores in India.

    RBL Platinum Maxima Card

    RBL or Ratnakar Bank Limited has introduced a premium credit card called the Platinum Maxima Card, exclusively meant for high net-worth individuals in India. The card can also be used internationally as well as within the country when dining or using other entertainment services.

    Diners Club International Credit Cards (HDFC)

    Black, Premium and Rewardz Diners Club credit cards are loaded with exclusive features and benefits. Offered by HDFC, these cards come with yearly membership fees of Rs.20,000 plus service tax and Rs.10,000 renewal fee.

    Top Premium Cards and Annual Fees

    Card Annual Fees
    American Express Centurion Black Card In the range of Rs.2 lakh
    American Express Platinum Card Rs.50,000
    HDFC Diners Club International Black Card Rs.20,000 (First year)
    Standard Chartered Emirates Platinum Card Rs 13,999 (Second year onwards)
    IndusInd Bank Indulge Card Rs.10,000
    American Express Platinum Reserve Card Rs.5000 (First year) and Rs.10,000 (Second year onwards)
    SBI Signature Card Rs.4999 (Second year onwards)
    Citibank PremierMiles Credit Card Rs.3000 (Second year onwards)
    RBL Platinum Maxima Card Rs.2000 (Second year onwards)

    Some of the premium cards that are meant for high net-worth individuals are ‘invite-only’ credit cards and cannot be availed by just applying for it. Rest of the cards can be applied for, however they come with stringent eligibility criteria.Banks analyse the applicant’s earning, spending pattern, monthly expenses, credit score and credit history to determine eligibility for premium credit cards. 

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