Synopsys- Invite-only credit cards are premium cards that requires an invitation from the issuing bank to apply. These cards are mostly for HNIs, UHNIs and offer exclusive benefits.
Invite only credit cards are exclusive, high premium financial tools for transaction, reserved for a selected group of high net worth individuals who meet specific criteria. Invite credit cards are tailor made, offering individuals who have a substantial relationship with the bank requiring a high total relationship value.
Top banks offering invite only credit cards in India are:
1. HDFC Infinia Credit Card
- Joining fee and Annual fee: Rs. 12,500 + taxes.
- Forex Fee: low forex mark up fee of 2% on international transactions.
- Lounge access: unlimited lounge access worldwide both domestic and international.
- Interest free period: up to 50 days from card activation date.
- Fuel surcharge: 1% fuel surcharge waiver on transactions at Indian fuel stations, applicable between 400 to 100000 purchases. Max monthly waiver Rs. 1000 per statement cycle.
- Services provided: Complementary Club Marriott membership, 20% off on dining, shopping via SmartBuy platform, unlimited golf game and coaching, buffet offer and free stay at ITC hotels.
2. Axis Burgundy Private Credit Card
- Joining and annual fee: Rs. 50,000 + taxes
- Forex fee: Zero forex mark up fee on international transactions with priority pass membership
- Lounge access: unlimited lounge access up to 12 free guest visits worldwide annually.
- Interest free period: up to 50 days free interest period.
- Fuel Surcharge: 1% waiver on Rs. 400 and Rs. 4000 in India, monthly Rs.400 waiver.
- Services provided: Complimentary club Marriott accor plus and Taj Epicure memberships, you can also avail 15% discount at Postcard Oberoi and Trident hotels, 50 complimentary golf game rounds annually.
3. Yes Private Credit Card
- Joining and annual fee: Joining- Rs.50000 + taxes, annual – Rs. 10000 + taxes
- Forex fee: 0.5% forex mark up fee on international transactions.
- Lounge access: unlimited lounge access to domestic and international lounges with 12 free gift visits each year.
- Interest free period: up to 50 days on purchase
- Fuel Surcharge: 1% waiver on Rs. 400 and Rs. 5000 in India
- Services provided: Oberoi e- gift voucher worth 9000, exclusive airport services.
4. IDFC FIRST Private Credit Card
- Joining and annual fee: Rs. 50,000 + Taxes.
- Forex fee: 0% forex mark up fee on international transactions without additional charges.
- Lounge access: Unlimited lounge access on domestic and international and spa access in India.
- Interest free period: 48 days for regular purchase and cash withdrawals till the due date.
- Fuel Surcharge: 1% waiver on Rs. 200 and Rs. 5000 in India, monthly Rs.400 waiver.
- Services provided: Complimentary Club ITC Culinaire and Accor Plus Explorer memberships.
5. Axis Primus Credit Card
- Joining and annual fee: Annual fee Rs. 3 lakh + Taxes , joining fee Rs. 5 lakh.
- Forex fee: 0% foreign currency mark up fee.
- Lounge access:unlimited domestic and international lounge access via priority pass.
- Interest free period: 50 days till payment due date.
- Fuel Surcharge: 1% waiver on Rs. 400 and Rs. 10000 in India, monthly Rs.400 waiver.
- Services provided: Rs. 40000 gift card from ITC Hotels, complimentary one-night stay on booking 2 consecutive nights at 900+ luxury hotels, with 24 complementary guest visits annually, 4 complimentary international gold rounds.
Also read: 7 Best Credit Cards to Use on Amazon Great Indian Festival 2025 – HDFC Infinia Tops the List
6. ICICI Emeralde Private Metal
- Joining and annual fee: Joining-Rs. 12,499 + GST, annual fee- Rs.12499 + GST.
- Forex fee: 2 % mark up fee on international transactions
- Lounge access: unlimited lounge access both domestic and international.
- Interest free period:
- Fuel Surcharge: 1% waiver on fuel surcharge transactions up to Rs. 4000 at any fuel station.
- Services provided: Complimentary golf and exclusive dining memberships, 3% value back on most retail spending, including on categories like insurance, utilities, and education, EaseMyTrip vouchers worth Rs. 3000 upon Rs. 4 lakh and Rs. 8 lakh annually, Taj Epicure membership.
7. Kotak Solitaire Credit Card
- Joining and annual fee: Rs.25000 + taxes
- Forex fee: zero forex mark up charges
- Lounge access: unlimited airport lounge access worldwide
- Interest free period: 48 days to 51 days depending on payment due date.
- Fuel Surcharge: 1% waiver on fuel surcharge transactions up to Rs. 400 and Rs.7500 at any fuel station. Maximum waiver for Rs. 10,000 per year.
- Services provided: Accelerated Air Miles on travel and other spendings, it also includes attractive hotel stays and has a minimal 1% cash withdrawal fee with no upfront interest accrual. It has exclusive privileges for frequent travellers and luxury lifestyle consumers.
Conclusion
The top reputed banks are offering invite only credit cards for high net worth individuals with privileges and benefits to uplift their lifestyle, status and prestige. They also provide free airport lounges and concierge services with annual fees. Invite only Credit cards in India cater to a select group of individuals, who can enjoy the elite services and events to witness.
Written by Soumya M
