Category
Premium
Metal and super-premium cards with high limits, lounge programs and milestone gifts.
Data as of 5 September 2026
Premium and super-premium cards carry high annual fees in exchange for elevated credit limits, concierge service, milestone gifts, and lounge programmes. FinWiz24 currently tracks 31 active premium cards from AU Small Finance Bank, American Express, Axis Bank and others. Annual fees on this list range from 0, with 1 lifetime-free option. Top reward rates hit 15x on the issuer's accelerated category, with waived-fee versions sitting alongside paid options for readers who would rather not clear a spend threshold. Every card below links to a full review with the issuer's latest fee schedule, reward table, and eligibility criteria, so you can match the card to your spend pattern instead of taking the headline rate at face value. Pick the lineup that overlaps with where you actually spend — fuel, dining, travel, online, or EMI — and verify the eligibility bar before you apply, since minimum income and credit-score requirements differ across issuers. Eligible readers can apply directly through the issuer's site when they are ready.
How to pick a premium card
We currently track 31 premium cards. The lineup mixes premium, value, and lifetime-free options across India's major issuers. Compare the annual fee against the reward earn on your highest spend, check the eligibility bar on each card page, and prefer lifetime-free options when the fee exceeds a year of expected rewards.