Upgrade Your Lifestyle with the Best Premium Credit Cards

Understand how premium credit cards are better than standard ones
Upgrade Your Lifestyle with the Best Premium Credit Cards
2 mins
June 22-2023

It is a known fact that credit cards have evolved the way we shop and make transactions, thanks to the added perks that come with them. Due to the extensive reward programs, loyalty points, and endless privileges, credit cards have certainly changed the game. By using credit cards, one can earn rewards points for every money spent, which can be redeemed for travel, shopping, and entertainment. While regular credit cards offer basic features, premium credit cards take our lifestyle one notch higher while helping you save.

Benefits of premium credit cards

Premium credit cards are packed with a number of enhanced privileges like huge welcome rewards, milestone reward points, partner discounts, cash backs, complimentary memberships, and much more. If you compare it with standard credit cards, premium credit cards usually offer better benefits, boosting your purchasing power.

Beyond the financial benefits, premium credit cards can even elevate your lifestyle by offering privileged access to events, airport lounges, luxury travel, and fine dining experiences. For those looking to make the most of their credit card use and enhance their lifestyle, premium credit cards are an excellent choice.

While premium credit cards offer enticing benefits, they may come with trade-offs. For instance, premium credit cards may have higher annual fees compared to standard cards. In fact, in some cases, the eligibility requirements are often strict, requiring higher income levels and better credit scores.

Co-branded premium credit cards by Bajaj Finserv

There is a range of co-branded credit cards offered by Bajaj Finserv in collaboration with RBL Bank and DBS Bank that are easy to maintain and come with extremely low joining fees and annual fees. These cards offer similar top-notch perks and privileges. They even have high rewarding schemes that help you make a hefty savings in the long run.

Bajaj Finserv DBS Bank 10X Signature Credit Card

  • Accelerated rewards: The card comes with a huge welcome bonus of 12,000 cash points and even lets you can earn 20X rewards points each time you use the card for utility, bill payments, and travel bookings. 20X means standard reward points multiplied by 20 times. For instance, if you earn 1 reward point for a transaction with your standard credit card, with this premium credit card you will earn 20 rewards. These points can be redeemed to pay for a wide range of products and services, including airline tickets, bus tickets, electronic items, home, fashion, beauty products, and more.
  • Travel benefits: The card offers access to up to 8 airport lounges in India absolutely free. Using the card, you can also enjoy all the premium facilities available inside the lounge at no additional cost.
  • Exclusive discount on OTT subscription: If you love to binge-watch shows and movies, you can enjoy a 40% subscription discount on Hotstar and Prime Video. You can also get the same discount when you subscribe to Zomato Pro using this credit card.
  • Cash backs: Beyond savings, the card also offers a 5% cashback on down payments at our 1.5 lakh+ Bajaj Finserv EMI Network partner stores across 4,000+ large and small cities. These stores include Croma, Reliance Digital, Sargam Electronics, and many more premium stores.

Bajaj Finserv DBS Bank 10X Plus Signature Credit Card

  • Accelerated rewards: The card comes with a massive welcome bonus of 20,000 points, exceptionally significant than the standard card bonus. On top, you can earn 10X cash points if you use the card to buy groceries, shop for clothes, and home appliances, amongst others. These points can be redeemed for travel bookings, shopping, food, and much more.
  • Monthly milestones benefits: Imagine using a credit card to pay for your bills and get rewarded. The card helps you earn 20X cash back points when you pay for your utility bills and make travel bookings using the card.
  • Travel benefits: The card offers access to up to 10 airport lounges in India or abroad absolutely free. Using the card, you can also enjoy all the premium facilities available inside the lounge at no additional cost.
  • Health membership: The complimentary health membership allows you to take 3 teleconsultations from a general physician of your choice at just Rs. 75 per consultation. You can easily access these benefits through the Bajaj Finserv Health app.
  • A host of cash points: For any and every spend you make using the credit card, you can earn reward points. These include 2X cash points on every Rs. 200 spent and 12,000 OTT subscription cash points.

These credit cards open up options to avail of benefits that your standard credit cards barely do. In addition, you can get services like emergency advances and interest-free cash withdrawals. These cards offer a wide range of benefits that are tailored to suit your lifestyle and spending habits. By using these features wisely, you can maximise the value of your credit card and improve your savings over time. So go ahead and indulge in the finer things in life without breaking the bank.

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Frequently asked questions

Which is the best premium credit card in India?

The best premium credit card in India varies depending on individual preferences and lifestyle needs. Choose a credit card that offer exclusive benefits and privileges as per your usage and needs.

Which credit card has the highest benefits?

Credit cards with the highest benefits typically offer a range of perks such as premium travel rewards, complimentary airport lounge access, concierge services, and generous reward points. Go for a credit card that suits your requirements and budget.