Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Credit Card BYTES FROM OUR KITCHEN

    Best Credit Cards for High Net-worth Individuals

    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. 

    Credit Card Reviews

    • HDFC Bank Credit Card
      "Good in all"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has offered me a credit card and the customer services are good. They also provide me with good offers and a very good credit limit. It is a smooth process while using the card, I never faced any hassles in the overall process till date.
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 22, 2019
    • Citibank Credit Card
      "Experience is good"
      0.5 5.0/5 "Blown Away!"
      Citibank has been overall good in the customer services. The online banking is good and the credit card offers are also good. The statements are also good and the billing is also in a timely manner. The credit limit is also fine and there are no charges taken for the card.
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 22, 2019
    • ICICI Bank Credit Card
      "Average"
      0.5 3.5/5 "Pretty good"
      I have been using ICICI Platinum card for more than 1.5 years. The credit limit is low which they need to increase. IVR takes longer time for the connectivity also they need to improve the service. There is no annual charge for this credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 22, 2019
    • RBL Bank Credit Card
      "Good card for the withdrawal"
      0.5 5.0/5 "Blown Away!"
      From RBL I have et money card it gives the flexibility of taking the cash without any interest. I can withdraw the maximum of 100%, the credit limit is also satisfactory with RBL card. One month back I got the card, the due date is convenient for me.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 22, 2019
    • HDFC Bank Credit Card
      "Recommendable Card"
      0.5 5.0/5 "Blown Away!"
      I get 10x points from HDFC card based on the spends, In fact the cash back is also excellent. The customer support is good for the credit card queries, but there is a long queue to connect with the executive. They don't have direct contact no, first I need to verify my details in IVR, then again the executive verify it, therefore the process should be simple.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 22, 2019
    • Citibank Credit Card
      "Good card for all transaction"
      0.5 5.0/5 "Blown Away!"
      I have reward points from CITI bank, I get more bonus points on the transactions, they give cash back offers for some transaction, I don't what to call them everything is prefect, the interest is also reasonable, I am using life time free credit card.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 22, 2019
    • HDFC Bank Credit Card
      "Need to increase the limit"
      0.5 5.0/5 "Blown Away!"
      I have HDFC Bharath credit card and using it for past 1.5years. The service is excellent and they are not charging high for the late payments. The credit limit is average and they need to enhance the limit. It is a life time free credit card. There was no much offers.
      Was this review helpful? 0
      , vadodara
      Reviewed on Mar 22, 2019
    • Bank Bazaar Credit Card
      "Simple method for getting credit card "
      0.5 5.0/5 "Blown Away!"
      Through Bank bazaar it is a simple process of getting the credit card in quick time .It hardly took 1 week of time in Online method . I came to know bank bazaar through SMS . Customer executive guided about the various credit card in online . Mobile app is also user-friendly .
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 22, 2019
    • Axis Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      Axis Bank has offered NEO credit card and am using it for past 6 months. The credit limit is sufficient for the beginner, its 40K. The rate of interest is too high for late payment charges which they need to reduce. It is a life time free credit card.
      Was this review helpful? 0
      , vadodara
      Reviewed on Mar 22, 2019
    • IndusInd Bank Credit Card
      "Online shopping and EMI is major advantage"
      0.5 5.0/5 "Blown Away!"
      I recently applied for the Indusind bank credit card in the on-line method . Within 10 days of time ,I got a good response till the time of dispatchement of my card . No annual fees for this card . The main plus point with Indusind bank credit card is the on-line shopping .
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 22, 2019
    • Kotak Credit Card
      "Good Card with Kotak"
      0.5 5.0/5 "Blown Away!"
      I am using Kotak Mahindra card for around two years, I have salary account hence everything is fine for me. The credit limit is not good because they gave only Rs.22,000, they need to enhance the card limit. I have master card and the accessibility is great.
      Was this review helpful? 0
      , faridabad
      Reviewed on Mar 22, 2019
    • RBL Bank Credit Card
      "Average Credit card"
      0.5 5.0/5 "Blown Away!"
      Almost it is going to be 3 months since I started to use this RBL credit card . Normally I will do most of the shopping Off-line .Offers are on-line and it is up to the expectation . RBL mobile app is very easy for making the payment and downloading the statement .
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Mar 22, 2019
    • Axis Bank Credit Card
      "Credit limit is not sufficient "
      0.5 5.0/5 "Blown Away!"
      For the past 6 months, I am using the AXIS bank credit card . My credit limit is around 25 k only . But this credit limit is very insufficient to use .I am not getting any notification about the various offers in on-line . Annual fees is around 499 - .
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Mar 22, 2019
    • Axis Bank Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have been using the credit card with the AXIS BANK the card is user friendly to use. The credit limit with this card is satisfactory added on that the offers with this card is good. I am using it from last few years with this card. There is a EMI conversion option but there is no balance transfer option with this card.
      Was this review helpful? 0
      , bhopal
      Reviewed on Mar 22, 2019
    • ICICI Bank Credit Card
      "BETTER"
      0.5 3.5/5 "Pretty good"
      I am not satisfied with the credit card that i am using it with the ICICI BANK because the credit limit with this bank card is not satisfactory also there are no offers available with this credit card. There is a EMI conversion option with this credit card which is good also it is easy to convert.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 22, 2019
    • HDFC Bank Credit Card
      "BETTER"
      0.5 3.5/5 "Pretty good"
      I have a credit card with the HDFC BANK the credit limit with this bank they have offered is average and i am not getting any offers with this bank. There is a EMI conversion option with this bank it is good and easy to convert with this bank credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 22, 2019
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      It has almost been ten months since i am using this credit card and the services which they had provided me has been pretty good. But the credit limit with the card has been less and there has not been any annual charges with this card. I had been using this credit card for all sort of purposes.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 22, 2019
    • HDFC Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      HDFC has given me a Money Back credit card and using it for past three years. I am happy with the credit limit. There was no annual charges and am paying monthly due. The charges are reasonable for EMI conversion. I got reward points but my sister use to redeem so have no idea.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 22, 2019
    • IndusInd Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am just using this credit card for the last one week and the services which they had provided so far has been pretty good. They had given me with a good credit limit and it does not have any sort of annual charges. I am using this credit card for all sort of purposes.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 22, 2019
    • RBL Bank Credit Card
      "Good for all transaction"
      0.5 4.0/5 "Great!"
      I am holding RBL bajaj credit card, features are like the monthly benefits which they give like surcharges on the products, extra points on the shopping with the air lounges. The limit is very satisfied with RBL credit card, I am happy with it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 22, 2019
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