Category Archives: American Express

Best super premium credit cards in India

HDFC Bank Infinia Credit Card

Banks offer a bouquet of credit cards suitable for a wide range of audiences, from entry level cards to super premium credit cards. Well, I did write about a few entry-level credit cards here, it’s now turn to look at the other extreme, the best super premium credit cards available in India.

Banks look to make their super premium credit cards an object of desire or a status symbol and as exclusive as possible. They start with making super premium credit cards available only to HNIs or select customers, high annual fee, high spending limit and exclusive or curated offers & experiences. Another common theme across all super premium credit cards is concierge service. While some concierge such as one from the Amex is way ahead of others, but nonetheless all banks will offer one.

Below is the list of top super premium credit cards available in India. I have ranked the credit cards based on reward points accrual based on a set template of annual spend. The template is spread over various categories, details in footnote.

Amex Membership Reward card (Amex MRCC) – Review

American Express Membership Reward card (Amex MRCC) is one card that I recommend everyone should keep in one’s wallet, without fail. Not only this card gives a status symbol of using an Amex card but also the reward rate and features of the card are among the best in class.

About the Amex Membership Reward Card

The Amex Membership Reward card is the twin of Amex Gold Charge card (review coming soon); with nearly all the benefit that the Gold charge card offers but in the form of a credit card and lower fees.

Amex Membership Reward Credit Card

Amex Membership Reward Credit Card

In the Amex portfolio, this would sit in the entry-level card category along with Amex Smart Earn credit card (Review soon). However, at overall level it fits as Lifestyle card suitable for people who have a decent monthly income (~50,000/month).