Most Exclusive Credit Cards In India 2019: Top Exclusive Invite-Only Credit Cards

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Most Exclusive Credit Cards In India 2019: Top Exclusive Invite-Only Credit Cards

What Are Luxury Cards?

Luxury Cards come with exclusive perks to enable users to enjoy premier benefits at a minimal cost. From offering reward points to complimentary airport lounge access, these premium cards allow members to relish the elite world of luxury. To secure one, you will need to have a decent credit score that represents your credit history and profile appropriately.

Here, take a look at some of the most valuable invite-only credit cards that provide a plethora of benefits to the users.


1. IndusInd Signature Legend Credit Card

Joining Fee: Rs.10000

Features

  • 4000 Bonus Rewards if earnings exceed Rs. 600000
  • 3 Fully-paid One-way domestic tickets and 100% base fare discount under the Airline Ticket Welcome Gift Program
  • 1 reward point for every Rs.100 spent from Monday to Friday
  • 2 reward points for every Rs.100 spent during weekends
  • Contactless payment option to enable you to hold the card within a range of 4 cm of the secure contactless reader
  • Comes with ‘Total Protect’ feature

2. HDFC Bank Diners Club Black Credit Card

Joining Fee: Rs.10000

Features

  • 10x Reward Points for international spends
  • 5 Reward Points for every Rs.150 retail spends
  • Air Accident Cover of Rs. 2 crore
  • Emergency Medical Expenses Cover of up to Rs. 50 lakh
  • Credit Liability Cover of up to Rs. 9 lakh
  • Travel Insurance Cover of up to Rs. 55000 on baggage delay or loss
  • Unlimited Airport Lounge Access
  • Complimentary Golf Games

3. YES First Exclusive Credit Card

Joining Fee: Rs.10000

Features

  • 50000 Reward Points on the first transaction
  • 25000 Bonus Reward Points on spending Rs. 20 lakh every year
  • Exclusive Membership to Taj InnerCircle
  • Unlimited Complimentary Airport Lounge Access
  • 25% discount on movie tickets booked via BookMyShow
  • 3 Green fee waivers at select Golf courses in India
  • 1 complimentary Golf Lesson per month
  • Fuel Surcharge Waiver and Concierge Services

4. Citi Prestige Credit Card

Joining Fee: Rs.20000

Features

  • 10000 Bonus Air Miles or vouchers worth Rs 10,000 from Taj or ITC Hotels
  • 1 Reward Point for every spend of Rs.100
  • Unlimited Complimentary Lounge Access
  • 4 Complimentary Golf Rounds every year
  • Lost Card Protection of up to Rs. 3 lakh

5. YES Private Credit Card

Joining Fee: Rs.50000

Features

  • 50000 Reward Points on First Transaction
  • 3 Reward Points on every Rs.100 International spends
  • 2 Reward Points on every Rs.100 Domestic spends
  • Up to 50 days Interest-Free credit days (purchases made on the card)
  • 10 Complimentary Guest Visits in International Lounges per year

6. SBI Card ELITE

Joining Fee: Rs.4999

Features

  • Gift Vouchers worth Rs. 5000 (travel, lifestyle, and apparel brands)
  • Reward Points on Dining, Grocery, and Departmental Store spends
  • Free Movie Tickets worth Rs. 6000/year
  • Up to 50000 Bonus Reward Points
  • 6 Free International and 2 Free Domestic Lounge Visits per year
  • Complimentary Membership to the Club Vistara and the Trident Privilege Program
  • Low Forex Mark-up Fee of 1.99% on International Transactions

7. Air India SBI Signature Card

Joining Fee: Rs. 4999

Features

  • Up to 30 Reward Points on every Rs.100 spent on Air India Ticket Bookings
  • 4 Reward Points on every Rs.100 spent on other categories
  • Access to International Airport Lounges using the complimentary Priority Pass Membership
  • 8 Complimentary Access to VISA Lounges in India per year
  • Up to 100000 Bonus Reward Points per year

8. JetPrivilege HDFC Bank Diners Club

Joining Fee: Rs.4999

Features

  • 8 JPMiles on every retail spend
  • 24 JPMiles on Jet Airways Ticket Bookings
  • 1 JP Tier Point for every 1.5 Lakh spent on the card
  • 5% Base fare discount for revenue ticket bookings
  • 15% discount and other special benefits at partner restaurants
  • Unlimited Complimentary Golf games at Domestic and International Golf Courses

9. American Express Membership Rewards Credit Card

Joining Fee: Rs. 4999

Features

  • 1 Membership Reward Point for every Rs. 50 spent on retail purchases
  • 1000 Bonus Membership Reward Points on 4 transactions of Rs.1000 in a month
  • Special Deals on ticket bookings via MakeMyTrip.com
  • 5000 Membership Rewards Points on First Renewal of the card
  • Fuel Convenience Fee Waiver
  • Zero Lost Card Liability
  • 24-Hour card related assistance

10. American Express Platinum Reserve Credit Card

Joining Fee: Rs. 5000

Features

  • 1 Membership Reward Point for every Rs. 50 spent
  • Movie or Online Shopping Vouchers worth Rs.6000/year
  • Complimentary Access to American Express Lounge and other Domestic Lounges across India
  • Health benefits from Max Healthcare, Fortis Healthcare and Texas Medical Concierge

11. Standard Chartered Bank Ultimate Credit Card

Joining Fee: Rs.5000

Features

  • 5 Reward Points on every Rs. 150 spent
  • 2% Foreign Currency Markup Fee on overseas spends
  • 5% cashback on Duty-Free spends
  • Up to 25% discount in top 250 restaurants in India
  • Access to over 1000 Airport Lounges across the world
  • Access to 20 Premier Golf Courses in India and 150 worldwide
  • 24*7 access to the Ultimate Concierge Helpline

12. ICICI Bank Jet Airways Sapphiro Credit Card

Joining Fee: Rs. 5000

Features

  • 10000 JPMiles Welcome Bonus
  • Complimentary Jet Airways Air Ticket Code on joining
  • 5000 JPMiles Renewal Bonus
  • Complimentary Jet Airways Air Ticket Code every year on renewal
  • Up to 10 JPMiles per Rs.100 spent on the card
  • Complimentary Airport Lounge Access
  • Complimentary Golf Rounds, Movie Tickets, Discounts on Dining

13. HDFC Regalia Credit Card

Joining Fee: Rs. 2500

Features

  • 15000 Bonus Points every year on spends of Rs. 8 lakh
  • 4 Reward Points on every Rs.150 spent
  • Up to 15% discount on Dining at Premium Restaurants across India
  • Complimentary Club Vistara Silver Membership
  • Complimentary Zomato Gold Membership
  • Complimentary Priority Pass Membership
  • Complimentary Airport Lounge Access

14. Citi PremierMiles Credit Card

Joining Fee: Rs. 3000

Features

  • 10 Miles per 100 on airline spends
  • 4 Miles per 100 on other spends
  • Air Accident Insurance Cover of up to 1 crore
  • Lost Card Liability Cover of  2 lakh
  • Up to 15% off on Dining across Partner Restaurants
  • Complimentary Access to select Airport Lounges across India

What Makes It A Premium Credit Card?

  • Complimentary Airport Lounge Access
  • Complimentary Jet Airways Economy Class Base Fare waiver using Domestic Air Ticket Code
  • 5% discount on Base Fare for all Domestic / International Air Ticket (Revenue Flights) Bookings made via www.jetairways.com
  • Complimentary Excess Baggage Allowance of 10 kgs in Première and 5 Kgs in Economy Class
  • Complimentary DragonPass Membership that offers 2 International Airport Lounge Visits and 2 Spa Sessions at selected Airports
  • 4 Complimentary Golf Lessons every month subject to reaching certain spending milestone
  • Minimum Saving of 15% on Dining at more than 2,500 partner restaurants under the ICICI Bank Culinary Treats Program
  • Access to i-Assist, the 24*7 Premium Concierge Service

Frequently Asked Questions

What is the most exclusive credit card? Which is the most prestigious credit card in India? Which is the best credit card in India 2019?

You can choose any of the credit cards given above as per your requirements. All these cards offer a wide range of benefits to the users and can help lower expenses to a great extent. IndusInd Signature Legend Credit Card, HDFC Bank Diners Club Black Credit Card, ICICI Bank Jet Airways Sapphiro Credit Card, and HDFC Regalia Credit Card are some of the most-sought after credit cards in India.

Which credit card offers the highest credit limit in India?

The limit offered by a credit card depends largely on your income statements, bank statements, CIBIL score and other such factors. This limit can go as high as Rs.5 lakhs for an individual.

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