Best High Limit Credit Cards In India 2024 (2024)

Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.

Annual Fee

Welcome Gift

Credit Limit

The Infinia credit card stands out as a premium offering, providing exclusive perks and rewards tailored to its clientele. With a generous credit limit and competitive interest rates, it offers financial flexibility and value.

Additionally, cardholders gain access to a suite of premium benefits, including airport lounge access, travel insurance, concierge services, and cashback across various spending categories. Perfect for individuals seeking both luxury and savings, the Infinia credit card is an ideal choice for those looking to elevate their lifestyle while managing expenses wisely.

Benefits:

• Upon card activation, customers are granted 12,500 points, kickstarting their journey with exclusive benefits.
• A complimentary one-year Club Marriott Membership, unlocking up to 20% discounts on dining and stays throughout the Asia-Pacific region.
• Annually acquire 12,500 reward points, serving as a valuable offset against the previous year’s annual fee.
• Redemption of the fee is attainable upon reaching an expenditure threshold of INR 10 lakh, excluding the 12,500 reward points.
• 5 reward points for every INR 150 spent, encompassing diverse retail expenses like insurance, utilities, education, and rent payments.
• 10 times reward points on travel and shopping expenditures made via SmartBuy.
• Complimentary golf coaching at select Indian courses and unrestricted complimentary rounds of golf at leading Indian and select international courses.
• Insurance coverage for loss of the card, resulting in zero liability for fraudulent transactions when promptly reported to the 24-hour call center.
• Favorable 2% markup on foreign currency transactions, notably lower than the typical 3.5%.
• Revolving balances with an annual interest rate of 43.2% as of 9/22/2021, subject to potential fluctuations.
• Round-the-clock customer support for assistance with inquiries at any time.
• 1% fuel surcharge waiver on transactions exceeding INR 400 at all fuel stations across India.
• Complimentary nights and weekend buffets at participating ITC Hotels.
• An accidental air death cover of INR 3 cr.
• Emergency overseas hospitalization coverage up to INR 50 lakh.
• A credit shield cover of INR 9 lakh.

Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.

Annual Fee

Welcome Gift

Credit Limit

With the Flipkart Axis Bank Credit Card, cardholders can have a maximum credit limit of up to 5 lakh, providing ample flexibility for their spending needs. In addition to this, the card offers attractive rewards and benefits, including a 50% discount up to INR 100 on the first Swiggy order using a designated code, making dining experiences more affordable and enjoyable.

Furthermore, users can avail themselves of a 5% cashback on Flipkart spends, adding value to their online shopping experiences.

Benefits

• Users get INR 500 worth of Flipkart vouchers with your first transaction.
• 50% discount up to INR 100 on your first Swiggy order using a designated code.
• 5% cash back on Flipkart spends.
• Unlimited 4% cash back on Preferred Merchants such as Swiggy, TATA Play, Uber, PVR, Cleartrip, and Cult.fit.
• Unlimited 1.5% cash back on other eligible categories.
• Benefit from four complimentary lounge visits to select airport lounges within India per calendar year.
• 1% fuel surcharge waiver on fuel purchases at all fuel stations for transactions between INR 400 and INR 10,000.
• 15% discount of up to INR 500 at partner restaurants across India.
• Convert any transaction over INR 2,500 to EMIs for added flexibility.

Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.

Annual Fee

Welcome Gift

Credit Limit

The HDFC Regalia credit card stands out not only for its rewards and benefits but also for its substantial credit limit, which can reach up to 5 lakh. Despite its slightly higher annual fee, cardholders receive 2500 reward points upon payment, each valued at 50 paise, effectively offsetting a portion of the expense.

With its comprehensive insurance coverage, including INR 1 cr for accidental death in an aircraft crash when used for ticket bookings, and a cover of INR 15 lakh for hospitalization abroad, the card offers both financial security and valuable perks.

Benefits

• Welcome benefits include Complimentary Club Vistara Silver Tier and MMT Black Elite membership.
• 1,500 worth vouchers quarterly on spends of INR 1.5 lakh.
• Receive 5,000 worth flight vouchers annually on spends of INR 5 lakh, with an additional voucher of INR 5000 on spends of INR 7.5 lakh.
• 5X reward points on spends at Marks & Spencer, Myntra, Nykaa & Reliance Digital.
• Complimentary lounge access at over 1000 airports.
• 4 reward points on every INR 150 spent on retail spends.
• Zero lost card liability with immediate reporting to the 24-hour call center.
• 2% foreign currency markup on all foreign currency spends.
• Exclusive 24/7 concierge services.
• 12 complimentary lounge accesses within India.
• Use Priority Pass for up to 6 complimentary lounge access per calendar year outside India.
• On paying joining membership fee, users receive a gift voucher equivalent to Fee Amount of INR 2,500.
• Complimentary Club Vistara Silver Tier and MMT Black Elite Membership upon spending INR 1 lakh and above within 90 days of card issuance.
• Up to 7.5% savings on all restaurant bill payments via Swiggy Dineout at 20k+ restaurants.
• 1,500 worth vouchers from Marriott, Myntra, Marks & Spencer, or Reliance Digital upon spending INR 1.5 lakh in every calendar quarter.
• Renewal fee waiver for the next renewal year upon spending INR 4 lakh in an anniversary year (12 billing cycles).
• Convert big spends into EMI after purchase.
• Accidental air death cover worth INR 1 cr, Emergency overseas hospitalization up to INR 15 lakh, and Credit Liability cover up to INR 9 lakh.
• 4 Reward Points on every INR 150 retail spends, including Insurance, Utilities, and Education, and 20 Reward Points on every INR 150 retail spends at Marks & Spencer, Myntra, Reliance Digital, Nykaa.
• Redeem reward points on Smartbuy or netbanking for exclusive gold catalog on select premium brands, flights and hotel bookings, air miles conversion, products, vouchers, or statement balance redemption at varying values.

Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.

Annual Fee

Welcome Gift

Credit Limit

The Magnus Credit Card extends a credit limit ranging from INR 25,000 to INR 5 lakh. Alongside unlimited access to both international and domestic airport lounges, cardholders benefit from VIP assistance services up to eight times annually, streamlining various airport procedures.

Additionally, the card offers nine complimentary visits for accompanying guests, enhancing its value proposition.

Features

• Subscribers are presented with the choice of receiving either a complimentary domestic flight ticket or a Tata CLiQ voucher valued at INR 10,000 as an annual benefit.
• An interest rate of 2.5% on extended credit.
• A foreign currency markup fee of 2%.
• No cash withdrawal fee.
• A fuel surcharge waiver of 1% for transactions ranging from INR 400 to INR 4,000.
• 25,000 EDGE reward points equivalent to INR 5,000 for monthly spends exceeding INR 1 lakh.
• 5X EDGE rewards on travel expenditures via TRAVEL EDGE.
• 12 EDGE reward points for every INR 200 spent.
• 2X EDGE reward points for purchases made at MakeMyTrip, Yatra, Goibibo, and other platforms.
• Access to dedicated concierge services via phone.
• A flat 15% discount and complimentary room upgrade at all Oberoi properties in India.
• A discount of up to INR 500 on the second movie or non-movie ticket when purchasing one.
• Up to 20% off at over 4000 restaurants across India.
• Coverage for air accidents, purchase protection, lost card liability programs, and more.
• Access to expert medical opinions from a panel of world-class specialists.
• Healthcare packages available from SRL Diagnostics, Dr. Lal PathLab, and Metropolis.

Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.

Annual Fee

Welcome Gift

Credit Limit

Benefits:

• Annual fee waived upon spending INR 25 lakh in the previous year.
• Foreign currency markup of 1.5% for international transactions.
• No charges for cash withdrawals.
• Benefit from a 1% fuel surcharge waiver for transactions ranging from INR 400 to INR 4,000 (capped at INR 400 per month).
• Receive a reduced APR of 2.5% on extended credit.
• 50,000 reward points upon card activation and renewal.
• 15 EDGE reward points for every INR 200 spent.
• 2X rewards on international expenditures.
• Club ITC Culinaire membership with a complimentary third-night stay.
• 50% savings on published room tariffs for suites on weekends, along with 25% green points on food and beverage expenses and a bouquet of 10 certificates.
• Accorplus membership, offering a complimentary night stay across the Asia-Pacific region, complimentary room upgrades, and up to 50% off on dining.
• A complimentary lunch buffet for two at Accor Hotels in India.
• Handcrafted Club Marriott Asia-Pacific membership, featuring 20% off on food and beverage expenses and 20% off on the best available rates at participating Marriott Hotels in India, as well as weekend rates in the Asia-Pacific region.
• Offers at Oberoi Hotels and Resorts, including 15% savings on room-only rates and room with breakfast rates, or a complimentary third-night stay, and 50% savings on best available rates for suites.
• Postcard Hotels: 15% off on the best available room rate and anytime check-in and check-out.
• 50 complimentary golf rounds each year at the finest golf courses in India.
• Benefit from counterfeit and lost card liability up to the credit limit.
• Purchase protection of INR 2 lakh.
• Coverage for loss, delay in baggage, and personal documents amounting to $500.
• Credit shield of INR 5 lakh.
• Air accident coverage of INR 450 lakh.
• One complimentary information session and a 25% discount on all health and wellness coaching plans.
• Referral-based service for a second medical opinion with world-class specialists.
• Savings on healthcare packages and pathology tests at Dr. Lal Pathlabs and Metropolis.