Top 6 premium credit cards with lifestyle benefits. Key features explained

Are you planning to apply for a credit card and don’t know which one to choose? Well, this is a problem faced by most new credit card users, who are faced with the dilemma of which card could be better than the rest.

Let’s learn more about the premium credit cards offered by different banks and their key features

Key features of premium credit cards:

I. Credit Card HDFC Bank Diners Club Black Metal Edition

This card offers a number of features for those who like to indulge in luxury, such as unlimited airport lounge access, six golf games every quarter at the best courses in the world, membership to Club Marriott, Amazon Prime and others.

These are some of the key features of this credit card:

A. Unlimited access to the airport lounge

B. Six free golf games every quarter on the best courses in the world

C. Complimentary annual memberships to Club Marriott, Amazon Prime and Swiggy One as a welcome benefit

D. 10,000 bonus reward points when you spend ₹ 4 lakh every calendar quarter

E. 2x reward points for weekend dining

F. 5 Reward Points for each ₹ 150 issued

II. ICICI Bank Platinum Chip Credit Card

Here are the key features of ICICI Bank’s Platinum Chip Credit Card:

B. The annual contribution from the second year is zero.

C. The surcharge for the additional card is also zero.

D. The overdue interest on loans and cash advances provided is 3.40 per month (40.80 percent on an annual basis).

E. You can use this card if you are over 21 years old.

III. Axis Bank Reserve Credit Card

These are some of the features of Axis Bank Reserve Credit Card

A. It offers a Club ITC Culinaire membership that gives you a 50 percent discount at all-day restaurants

B With Accorplus you receive one night’s free stay in the Asia Pacific region and 50 percent discount on dining.

C. It also offers a handcrafted club Marriott Asia Pacific membership, which entails a 20 percent discount on food and beverages

D. It also offers exclusive deals at international and domestic Oberoi and Trident hotels.

IV. SBI Card Prime

These are the key features of SBI Card Prime:

A. It offers a welcome e-gift card worth ₹3,000 from Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop and Yatra.com

B. It also offers 10 reward points per ₹100 spent on food, groceries, department stores and movies.

C. It also offers a Pizza Hut e-voucher worth ₹1,000 for achieving expenses of ₹50,000 in a calendar quarter

D. Waiver of Renewal Fees for Annual Expenses of ₹3 Lakhs

E. e-Gift Voucher worth Rs. 7,000 from Yatra.com/Pantaloons for achieving annual spend of Rs. 5 Lakhs

F. Four complimentary visits per calendar year to International Priority Pass Lounges, outside India (maximum of two visits per quarter) and 8 complimentary visits per calendar year to Domestic Lounges in India (maximum of two visits per quarter).

V. Kotak Mahindra League Platinum Card

This card offers 8 reward points for spending against each card ₹150 issued, 5,000 reward points upon participation and fuel surcharge waiver.

These are some of the key features of the Kotak Mahindra League Platinum Card:

A. With this card you can enjoy 8 reward points for spending against each card ₹150 issued.

B. You will receive a value of 5,000 reward points ₹500 for participation.

C. It also provides fuel surcharge waivers up to ₹3,500 per year.

D. It also provides exemptions from railway surcharges up to ₹500 per year.

VI. Yes Bank Elite+ Credit Card

This card includes access to international lounges, accelerated spending rewards and movie benefits

These are some of the key benefits of the Yes Bank Elite+ credit card:

A. 25% discount on cinema tickets booked through makemytrip2.

B. Contactless transactions with NFC technology

C. Insurance coverage up to ₹50,000 against accidental damage for 6 months for mobile and electronic purchases online.

D. Preferential currency surcharge of 2.75 percent.