Super premium credit cards offer more than just financial tools; they provide access to a world of privileges, perks, and prestigious experiences. These premium cards elevate the user experience by offering tailored services to meet specific needs, setting them apart from cashback-focused cards. In this article, we explore four super premium credit cards catering to high-net-worth individuals, each promising exceptional benefits that transcend the ordinary.
It’s important to emphasize that the cards mentioned are not ranked in any particular order. The selection of a credit card should align with individual preferences and financial objectives. Additionally, credit card policies are subject to change at the discretion of issuing banks. Therefore, it’s advisable to verify current terms and conditions directly with the banks to ensure accuracy and stay updated on any modifications.
Without further ado, let’s delve into the exclusive deals and offers provided by these four credit cards.
HSBC Premier Metal Credit Card
The recently launched HSBC Premier Metal Credit Card presents an array of enticing perks tailored for its users. Among its offerings are complimentary memberships to Taj Epicure and EazyDiner, accompanied by Taj gift vouchers valued at Rs. 12,000. This card boasts a generous redemption policy, with reward points convertible at a 1:1 ratio to air miles, usable across a broad spectrum of over 20 airlines and even towards Apple products*.
Catering to diverse lifestyle needs, particularly in travel and dining, the card extends unlimited complimentary access to both domestic and international airport lounges. Additionally, primary cardholders enjoy the privilege of eight complimentary guest visits to international airport lounges. Apart from travel benefits, cardholders can avail themselves of exclusive instant discounts at various merchants like BookMyShow and EazyDiner. It’s worth noting that the card offers a remarkably low forex markup fee of 0.99% for all international transactions.
Regarding fees, the HSBC Premier Metal Credit Card targets avid shoppers, featuring a joining fee of Rs 12,000 (applicable post card activation). Moreover, customers who meet the Premier eligibility criteria can have the annual fee of Rs 20,000 waived from the second year onwards, presenting an added financial advantage.
*Through Imagine vouchers
SBI Aurum Credit Card (Invite-only card)
The credit card provides an extensive range of benefits, encompassing dining and lifestyle membership privileges from Amazon Prime, Discovery Plus, EazyDiner Prime, BB Star (6 months), Lenskart Gold, and Club Marriott (1 year). In addition to these memberships, cardholders receive four complimentary movie tickets worth Rs. 1,000 each month and four complimentary accesses to domestic airport lounges per quarter.
Moreover, the primary cardholder enjoys unlimited access to international airport lounges, supplemented by four free guest visits. These perks offer a comprehensive package catering to various lifestyle preferences, ensuring a rewarding experience for cardholders.
Additionally, the card offers access to 1 complimentary domestic airport spa session per quarter, adding to the luxurious experience for cardholders. Exciting voucher rewards await, such as a Rs. 1,500 Tata Cliq voucher upon monthly spending of Rs. 1 lakh, a Rs. 5,000 LUXE voucher upon annual spending of Rs. 5 lakh, and a Rs. 10,000 Taj voucher on annual spends of Rs. 10 lakh. Moreover, cardholders can benefit from an annual fee waiver by reaching a spending threshold of Rs. 12 lakh within a year.
The joining fee for this card is set at Rs. 9,999, and new members are entitled to a joining bonus of 40,000 reward points, valued at Rs. 10,000.
Citi Prestige Credit Card
The Citi Prestige Credit Card extends annual benefits valued at Rs 10,000 specifically tailored for stays at Taj Group or ITC Hotels. Both primary and add-on cardholders benefit from unlimited access to Priority Pass lounges. Additionally, the card offers a complimentary night’s stay upon booking a minimum of four consecutive nights at any hotel or resort, alongside a host of supplementary advantages.
In terms of fees, the annual charge for this credit card stands at Rs 20,000.
HDFC Bank Infinia Metal Edition Credit Card
The HDFC Bank Infinia Metal Edition Credit Card represents a premium offering replete with exclusive benefits. With a complimentary Club Marriott membership for the first year, cardholders gain access to a plethora of advantages, including up to 20% discounts on dining and stays across the Asia-Pacific region. Furthermore, a special offer at participating ITC hotels allows cardholders to book a three-night stay and pay for only two nights, enhancing the value proposition.
The privileges extend to dining as well, with a 1+1 complimentary buffet available at select ITC hotels. For avid golfers, the card offers unlimited complimentary golf games at premier courses across India and select global locations, rounding out its extensive range of offerings.
Furthermore, cardholders can take advantage of unlimited complimentary golf coaching sessions at designated golf courses in India. The Global Personal Concierge service operates round-the-clock, enabling users to tailor their travel, entertainment, and business experiences to their preferences. Additionally, the card offers unlimited complimentary lounge access at both domestic and international airports, granting entry to over 1,000 airport lounges worldwide through the Priority Pass program.
The joining fee for this card stands at Rs. 999, with a corresponding renewal fee of Rs. 999 as well. However, there’s an option for fee waiver if the annual spending reaches Rs. 2 lakh.
Super premium credit cards transcend mere financial tools; they serve as portals to a realm of exclusivity and unparalleled privileges. The four aforementioned cards are tailored for individuals who cherish life’s finer pleasures, offering a remarkable range of benefits that surpass conventional credit card perks. With enticing deals, these super-premium credit cards redefine luxury, promising to elevate your lifestyle significantly. If you meet the criteria and appreciate the extraordinary, these cards can enrich your life and deliver exceptional value in return.