Having premium credit cards in your pockets is now a luxury trend. If you also want to join the world of credit cards, especially the premium ones, then this post will help you.
However, credit cards are not just for shopping, they have many other benefits too which includes airport lounge access, complementary movie and air tickets, gifting vouchers and many more.
In this post I am going to mention and describe the full benefits of premium credit cards in the USA and India. So let’s begin.
Premium Credit Cards of USA
Chase Sapphire Reserve
One of the most popular credit cards that almost every rich person holds is Chase Sapphire Reserve. It comes with lots of advantages that gives luxury feelings to an individual.
If you love travelling and dining then this card will help you to earn 3X reward points on your spending. Apart from this you can enjoy Priority Pass airport lounge access whenever you want.
You can also maximize the value of reward points by 50% after redeeming points through Chase Ultimate Rewards. Not only this, all the credit card holders get $300 annual travel credits.
The annual fee of this card depends on the offer at the time of applying for it.
U.S. Bank Altitude Reserve Visa Infinite Card
U.S. Bank Altitude Reserve Visa Infinite Card is known for its great travel and mobile wallet purchases offers as it allows 3X points on spending in these categories.
Let me clear this scenario with an example. Suppose you use this card for booking cruises, luxury hotels, car rentals and more then you will earn 3x points on every spended dollar. Same applicable with the Mobile wallet purchases. When you do a transaction through the apple wallet you will earn huge rewards.
If you apply for U.S. Bank Altitude Reserve Visa Infinite Card then you will also get $325 Annual Travel Credit and the best thing is that it will automatically apply on these eligible travelling purchases.
What makes this card more attractive is its Priority Pass Select membership. You can enjoy worldwide priority lounge access to the airports who are partners of this card.
The Business Platinum Card from American Express
If you love luxury treatment then having The Business Platinum Card from American Express is a must. They provide superb facilities to their card holders.
Enjoy the ultimate experience of getting complimentary benefits at over 1,100 luxury hotels all over the world. Feel free to have property-specific amenities like spa credits.
All you have to do is book a stay of two consecutive nights or more using The Business Platinum Card from American Express Card and enjoy direct credits from them.
You will also get additional business focused benefits with this card. Enjoy simplify tracking and categorization of business expenses with the help of American Express Business App. Apart from this, you can add employees cards and that too can be customised.
Hilton Honors American Express Aspire Card
Hilton Honors American Express Aspire Card is another premium credit card in the U.S. Most of the users who apply for this card and wish to get this card do so only for the Complimentary Diamond status.
This status will be assigned to you automatically as long as you hold this card. The direct benefit of Diamond status is that your rooms get upgraded, which gives you many facilities for free including suites.
There is another big advantage of having this card which is guaranteed room availability! However, before booking a room, you have to keep in mind that you are making your booking 48 hours in advance only then this rule will be applicable. You must know that these benefits are available at eligible Hilton properties.
All of these above four credit cards come in the premium category and therefore you must have an excellent credit score before applying for them. Remember to provide all the relevant details in the credit card application form to avoid rejection.
Premium Credit Cards in India
There are a variety of credit cards available in India and even a single Bank provides a lot of options to customers. So in this case finding a premium and profitable credit card is a very challenging task. But don’t worry, in this post I will mention all the best credit cards in India.
HDFC Bank Infinia Credit Card
HDFC Bank is known for its best banking services in India. Its Infinia Credit Card is the first choice of millionaires and billionaires of India. If you hold this card then you will get unlimited airport lounge access all round the world.
What I love the most about Infinia Credit Card is that it provides golf privileges across leading golf courses at no cost. You will also get insurance covers including air accidents.
Of course it is a premium credit card and targets high earning people. So you must have a great credit score and bank balance before applying for this card.
Axis Bank Reserve Credit Card
Getting an Axis Bank Reserve Credit Card is a dream for every credit card holder. It is a premium credit card for luxury people that provides you to enjoy the experience of the finer side of travel.
You will get Complimentary Airport concierge services with this credit card. Unfortunately, the complimentary luxury airport transfers have been discontinued by the bank.
Don’t worry there are a lot of other benefits to enjoy with this card like 50 complimentary golf Course access India. You can also request them to increase the limit and the approval depends on your relationship with the Bank and card usage pattern.
Holding this credit card provides you a lot of insurance benefits including credit shield, purchase protection and even loss and delay in baggage and personal documents.
SBI Elite
State Bank of India provides Elite credit cards to its premium customers with a huge range of benefits. When you get this card then you will get an e-voucher as a welcome gift. Not only this, you can redeem this voucher for your favourite brands which includes Yatra, Aditya Birla Fashion, Shoppers Stop and more.
You will be automatically assigned to the Priority Pass program that provides you both domestic and international complimentary airport lounge access. You will also get free movie tickets annually worth around $100.
On specific eligible categories including dining, departmental stores, and groceries, you will get huge reward points which can be redeemed against vouchers, cashbacks and many more things. SBI Card Elite also run offers on E-Commerce websites that helps you to earn cashbacks on your purchases.
Of course, the annual fees will be high but you can waive off of them by completing the milestones results in earning e-vouchers. If you love travelling then this card will also help you by providing Complimentary Club Vistara Silver membership.
Conclusion Of This Article
So as of now all of these above cards come under the premium credit cards category in India. You must have a great relationship with the respective credit card banks along with great credit scores across credit agencies.