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Best Luxury Credit Cards in India (2026) – Free Calculator

Use our free Luxury Credit Card Calculator to find the best premium card for your lifestyle. Compare lounge access, golf, dining, shopping & travel perks. Instant results, no signup required.

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Est. monthly spend: ₹78,000Est. annual spend: ₹9,36,000

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Top 5 Luxury Credit Cards in India

Among metal credit cards in India, HDFC Infinia Metal, Axis Magnus, ICICI Emeralde Private, Axis Reserve, and IDFC FIRST Private lead the premium segment. Use the free calculator above to see which one gives you the highest net annual savings based on your travel, lounge, golf, dining, shopping, and lifestyle spends. Instant results, no signup required.

Best Credit Card for Lounge Access

For unlimited lounge access in India and abroad, HDFC Infinia, Axis Magnus, and ICICI Emeralde are top picks. They offer unlimited domestic and international lounge visits with no per-use cap. Enter your travel spend in the calculator to see net savings and the “You save” percentage after the annual fee.

Best Credit Card for Golf & Dining

Axis Magnus and ICICI Emeralde Private excel on luxury dining and golf benefits. Axis Reserve adds premium golf and spa access for invite-only holders. Salaried professionals who spend on golf and fine dining can use our instant calculator to find the best premium credit card for salaried professionals and high earners.

Best Credit Card for International Travel

HDFC Infinia and Axis Magnus offer strong rewards on travel (flights and hotels), plus unlimited lounge access worldwide. Axis Magnus is often cited as a best premium credit card for salaried professionals thanks to its annual travel benefit. Compare your travel spend in the free calculator to see net savings and the best card for international travel.

Invite-Only Luxury Credit Cards

Axis Reserve (₹50,000 annual fee) and IDFC FIRST Private (₹50,000 annual fee) are invite-only metal credit cards in India aimed at ultra-HNIs. They offer concierge, golf, spa, and curated experiences. Use the calculator to see if the rewards and perks justify the fee for your spend level.

Luxury credit cards comparison

Quick reference. Use the calculator for personalised net savings and unlimited lounge access value.

Frequently Asked Questions

Which is the best luxury credit card in India?

The HDFC Infinia Credit Card (Metal Edition) is the most popular luxury card in India, offering unlimited lounge access, 5X rewards on dining and travel, and premium hotel privileges.

Are luxury credit cards worth the annual fee?

Yes, if you travel frequently and use lounges, dining, and hotel perks, luxury credit cards can deliver net savings far exceeding their annual fee.

Which credit card gives unlimited lounge access in India?

Cards like HDFC Infinia, Axis Magnus, and ICICI Emeralde offer unlimited domestic and international lounge access.

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