Archive · 18 Jun 2025
Premium Credit Cards: Exclusive Perks for Select Customers
Premium credit cards are special credit cards designed for people with a lot of money.
They offer fancy perks like access to golf courses, airport lounges, and personal helpers who can assist with travel arrangements or other needs.
These cards aren't for everyone; they usually have high annual fees and are only given to people who meet certain income requirements.
Banks offer these cards to provide exclusive benefits to high-income customers.
Premium credit cards offer exclusive benefits and are aimed at high-income individuals.
These cards often come with high annual fees to cover premium services and maintain exclusivity.
Benefits include access to golf courses, clubs, international lounges, and concierge services.
Examples include ICICI Bank Emeralde, Axis Bank Magnus, and HDFC Bank Infinia.
Some cards have specific income requirements or offer extraordinary weekend perks.
- Who
- High-income individuals and customers of top banks.
- What
- Premium credit cards and their features.
- When
- The article does not specify a particular timeframe.
- Where
- Specific to the financial market in India.
- Why
- To provide exclusive benefits and services to high-income customers.
- Purpose
- Exclusive benefits and services
- Target Audience
- High-income individuals
- Features
- Access to golf, clubs, international lounges, concierge service
- Annual Fees
- Higher than regular cards
- Examples
- ICICI Bank Emeralde, Axis Bank Magnus, HDFC Bank Infinia
- ICICI Emeralde Income Requirement
- ₹1.5 lakh monthly
- Axis Magnus Annual Fee
- ₹12,500
- HDFC Infinia Annual Fee
- ₹12,500 plus taxes