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

    • HDFC Bank Credit Card
      "Its Convenient credit card"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC credit card only for the shopping purpose, in my area, many shops are accepting HDFC credit card and I am getting special discounts. I am getting good rewards points for all transaction, I am very fine to use HDFC credit card without any hassles.
      Was this review helpful? 0
      , chennai
      Reviewed on May 24, 2017
    • Citibank Credit Card
      "Better card to use"
      0.5 5.0/5 "Blown Away!"
      Using IndianOil Citi Platinum card for past 10 years. This card is particularly used for the fuel filling purposes, there is also reward points available in this card, which can be redeemed for the fuel purposes . I am happy with the credit limit with this card. Overall I can say it is a better card to use.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 24, 2017
    • SBI Cards Credit Card
      "Its Good to hold"
      0.5 3.0/5 "Satisfactory"
      I am getting very good follow up calls from SBI on credit card reminder and they updating good offers on time. I am fine with the credit card its good credit limit. I used to get some offers in online shopping, but I am not much aware of other offers.
      Was this review helpful? 0
      , chennai
      Reviewed on May 24, 2017
    • Standard Chartered Bank Credit Card
      "Very good card to use"
      0.5 5.0/5 "Blown Away!"
      Having Standard Charted Super Value Titanium credit card for almost past 10 years. I get benefits like cash back offer, reward points with this card, but I don't use much. This was my first credit card. I am happy with the credit limit. SCB also asked me to upgrade my card but then I haven't accept it. Overall it is very good card to use.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 24, 2017
    • ICICI Bank Credit Card
      "Convenient for shopping"
      0.5 5.0/5 "Blown Away!"
      I am using ICICI Ferrari credit card, there was no charges for it. I used to get discounts on movie ticket, fuel surcharges etc. I have accumulated 5000 reward points, I could convert those points into voucher and do the shopping its really good.
      Was this review helpful? 0
      , chennai
      Reviewed on May 24, 2017
    • ICICI Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I had taken a credit card from ICICI bank which is free from annual fees. I used to receive reward points and cash back offers from the bank regularly. I did not face any issues for my credit card till date. The customer service is good with ICICI.
      Was this review helpful? 0
      , meerut
      Reviewed on May 24, 2017
    • SBI Cards Credit Card
      "The best in banking"
      0.5 4.5/5 "Excellent!"
      I hold a credit card with SBI and the offers are excellent and also the credit limit as well. There are charges on the card and there is no refund as well. I am still happy with the bank as the card is accepted all over and the services are good and the statements are clear.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 24, 2017
    • ICICI Bank Credit Card
      "Fast Service"
      0.5 5.0/5 "Blown Away!"
      I applied for the credit card online with ICICI bank. But I did not receive the card as they rejected my application due to certain norms. But the response was good from the bank. The executives of ICICI bank are so fast in providing the services to the customers.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 24, 2017
    • ICICI Bank Credit Card
      "Need improvement on the payment method"
      0.5 3.0/5 "Satisfactory"
      I hold a credit card with ICICI bank and the major drawback is they do not have an option online where I am unable to make my payments from another bank debit card. If I got to the branch to pay by cash, I am charged 100 to 200 more. If I pay by cheque the payments reflects only after three to four days.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 24, 2017
    • Axis Bank Credit Card
      "Useful"
      0.5 3.5/5 "Pretty good"
      I am having the credit card with the Axis bank and the services are fine one with them. Credit limit value is good like its around 1.2 lakh Rupees, which is more than fair enough. Customer service is fine one with the Axis bank credit card.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on May 24, 2017
    • ICICI Bank Credit Card
      "Need to be customer centric"
      0.5 1.0/5 "Really Bad"
      The time I have approached for the ICICI bank Rubyx credit card , the executive came and collected the documents and after 20days the card has disbursed but I have recieved ICICI Coral visa card. Then again I have reached customer service and returned the coral card. ICICI need to give proper service to the customers . They have charged me for the joining fee and the annual fee with this card but later on they have waived off all the charges.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 24, 2017
    • Kotak Credit Card
      "Till date no hassles"
      0.5 5.0/5 "Blown Away!"
      There are no charges for my credit card and the offers on it is more than satisfactory for me. I also have a decent credit limit and I am happy that Kotak Mahindra bank has given me these benefits. The customer support is also up to the mark and in all no issues.
      Was this review helpful? 0
      , pune
      Reviewed on May 24, 2017
    • Citibank Credit Card
      "Best card to use"
      0.5 3.0/5 "Satisfactory"
      There is no fuel surcharge with this Citi rewards credit card. The mobile application is not up to the mark. Its not user friendly like ICICI bank. I get reward points and cash back offers in this card. I am happy with the credit limit with Citibank card. There customer support is very good with Citibank. Overall I am happy using Citibank credit card.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 24, 2017
    • SBI Cards Credit Card
      "Under updattion"
      0.5 4.0/5 "Great!"
      Having SBI simply save card for past 2 years, Availing the benefits like reward points and the cash back offers with this card. The customer service need improvement here. I am happy with the credit limit with this card. The mobile application need to focused a lot. Overall it is an average card to use.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 24, 2017
    • ICICI Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      Holding an ICICI Bank coral Visa Credit card for past 2 years, this card has the benefits like reward points, cash back offers and fuel surcharge waiver with this card. I am happy with the ICICI credit limit. I pay the credit bill through the mobile application which is very easy to do.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 24, 2017
    • HDFC Bank Credit Card
      "Wonderful "
      0.5 4.0/5 "Great!"
      I do have the HDFC bank credit card and am with them from the last ten months of time. Credit limit value is around 80000 Rupees. Online services with the HDFC bank credit card is good and the bills are clear with them. There is no processing charges because its the corporate account.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 24, 2017
    • ICICI Bank Credit Card
      "Wonderful "
      0.5 4.0/5 "Great!"
      I am having the ICICI bank credit card and am using it from the last five years of time. Customer service is good one with them and the offers are kind of nominal only, also there were nil offers sometimes. Bills and the payments are clear with the ICICI bank credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 24, 2017
    • Citibank Credit Card
      "Good "
      0.5 5.0/5 "Blown Away!"
      I got cash back offer for my credit card from CITI bank. I have premium card the annual fee for the card is 750. Credit limit is less only so I am planning for the upgradation. Interest rate is very normal with CITI bank.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 24, 2017
    • HDFC Bank Credit Card
      "Nice benefits"
      0.5 5.0/5 "Blown Away!"
      I get all the benefits on my credit card, there are loan facilities and EMI options and the other normal offers like the cash back and discounts and rewards as well. There has never been any discrepancy in the statements. HDFC Bank has been up to the mark overall.
      Was this review helpful? 0
      , chennai
      Reviewed on May 24, 2017
    • SBI Cards Credit Card
      "It should be transparent"
      0.5 5.0/5 "Blown Away!"
      I am using SBI IRCTC credit card, they are giving best offer on train booking, when I book any railway ticket through my credit card, ticket cost is getting low. But I faced some issues with SBI credit ca rd, I have paid all the out standing due of my card, but SBI impacted credit score hence unable to loan from any bank. I had lot of communication with them but still it was not resolved.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 24, 2017
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    Best Credit Cards for High Net-worth Individuals is Rated as "Excellent!" by 34750 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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