Premium & super-premium
For someone who spends ₹1.5 lakh a month, ₹40,000 of it on travel, and ₹3 lakh a year abroad. Tap any card to see its maths.
The numbers
- SHDFC Diners Club Black Metalrewards ₹59,940 · fee waived + forex ₹4,500 + lounge ₹8,000₹72,440a year
- SHDFC Infinia MetalInvite only · rewards ₹59,940 · fee waived + forex ₹4,500 + lounge ₹8,000₹72,440a year
- BAxis Atlasrewards ₹50,400 − fee ₹5,000 + lounge ₹4,000₹49,400a year
- DSBI Card ELITErewards ₹13,800 · fee waived + forex ₹4,530 + lounge ₹7,000₹25,330a year
- DIDFC FIRST Wealthrewards ₹12,000 + forex ₹10,500₹22,500a year
Not ranked: Amex Platinum Travel (New applications paused), Axis Magnus (Points convert to airline miles, so the ₹ value varies).
How we rankThe same formula for every card
Each list imagines one kind of spender. For every card we add up, in ₹ a year:
rewards on that spending, using the same rates and caps as Find my card
− the annual fee, unless that spending waives it
+ forex saved compared with a 3.5% markup, on the list's foreign spending
+ lounge visits unlocked at that spending, at ₹500 each, up to the list's limit
Tiers compare each score with the best card in the list: S is 85% or more of the top score, A 70%, B 55%, C 40%, D below that.
Cards are left out when new applications are paused, when the card is being replaced, or when the bank gives no ₹ value for its points. Welcome gifts and milestone bonuses are not counted. Fees exclude GST.
A new edition comes out every month, so a card moves when its bank changes the rules. ▲ ▼ show moves since last month.