Standard Chartered Ultimate Credit Card
Standard Chartered
Rewards 3.3%
Net Value ₹6,142
Joining Fee ₹5,000
Renewal Fee ₹5,000
Unlimited lounge access • Forex 2.0%
Top Premium Credit Cards & Rankings India 2025
Our comprehensive rankings help you compare top premium credit cards in India across rewards, fees, lounge access, forex markup, and overall value. Use this page as a short-list, then drill into side-by-side comparisons and category lists for your spending style.
📊 Ranking Methodology
🏆
Rewards Value
Points, miles, cashback rates and redemption value
💰
Fees & Charges
Annual fees, foreign transaction fees, other charges
✈️
Benefits & Services
Lounge access, insurance, movie benefits, etc.
Top 10 Credit Cards India 2025
| Rank | Credit Card | Issuer | Annual Fee | Score | Grade |
|---|---|---|---|---|---|
| #1 | Standard Chartered Ultimate Credit Card | Standard Chartered | ₹5,000 | 45/100 | C |
| #2 | HDFC Diners Club Black | HDFC Bank | ₹10,000 | 43/100 | C |
| #3 | HDFC Diners Club Privilege Credit Card | HDFC Bank | Free | 39/100 | D |
| #4 | BOB Financial Eterna Credit Card | BOB Financial | Free | 37/100 | D |
| #5 | BOBCARD Eterna (Legacy) | BOB Financial | Free | 33/100 | D |
| #6 | ICICI Emeralde Credit Card (Standard) | ICICI Bank | ₹12,000 | 33/100 | D |
| #7 | Yes Bank Marquee Credit Card | Yes Bank | ₹4,999 | 33/100 | D |
| #8 | IDFC FIRST Mayura Credit Card | IDFC FIRST Bank | ₹5,999 | 32/100 | D |
| #9 | HDFC Infinia (Metal) | HDFC Bank | ₹12,500 | 30/100 | D |
| #10 | AU Small Finance Bank Altura Plus Credit Card | AU Small Finance Bank | Free | 29/100 | D |
Detailed Reviews - Top 5 Credit Cards
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HDFC Diners Club Black
HDFC Bank Diners Club
Rewards 4.8%
Net Value ₹5,615
Joining Fee ₹10,000
Renewal Fee ₹10,000
Unlimited lounge access • Forex 2.0%
HDFC Diners Club Privilege Credit Card
HDFC Bank
Rewards 4.5%
Net Value ₹14,736
Joining Fee ₹2,500
Renewal Fee ₹0
16 lounge visits • Forex 3.5%
BOB Financial Eterna Credit Card
BOB Financial
Rewards 2.0%
Net Value ₹7,272
Joining Fee ₹2,499
Renewal Fee ₹0
Unlimited lounge access • Forex 2.0%
BOBCARD Eterna (Legacy)
BOB Financial
Rewards 1.9%
Net Value ₹6,732
Joining Fee ₹2,499
Renewal Fee ₹0
Unlimited lounge access • Forex 2.0%
ICICI Emeralde Credit Card (Standard)
ICICI Bank
Rewards 4.5%
Net Value ₹2,750
Joining Fee ₹12,000
Renewal Fee ₹12,000
Unlimited lounge access • Forex 1.5%