Individuals can make the best use of their credit cards if they have right cards suiting their lifestyle and needs. If you are a frequent traveler, you can book flight tickets at a much cheaper price with your accumulated reward points or get a cash back etc.

Premium cards are specially made for elite members where the spending in higher. However, any individual cannot opt for premium credit cards unless of course the income does not match the eligibility criteria.

Here are 4 best premium credit cards which offer super joining perks:

1) American Express Platinum Reserve Card

With the Platinum Reserve Credit Card, enjoy privileges and benefits at every step of the way from travelling, lodging, fine dining and more.

• Annual Fees: First year Fee: Rs.5,000 plus applicable taxes
• Second year onwards: Rs.10,000 plus applicable taxes
• Benefits of American Express Platinum Reserve Card
• Joining Perk: Get a Welcome Gift2 of 11,000 Bonus Membership Rewards Points
• Enjoy cashback3 of up to Rs. 10,000 at MakeMyTrip.com
• Enjoy privileges3 at Taj Hotels, Resorts and Palaces; Trident Hotels; Preferred Hotels & Resorts and Oberoi Hotels & Resorts
• Get complimentary membership3 to Priority PassTM and access to American Express proprietary lounges3 in Delhi and Mumbai.

2) Jet Airways IndusInd Bank Voyage

IndusInd Bank has partnered with Jet Airways to launch the Jet Airways IndusInd Bank Credit Card.

With this partnership, IndusInd Bank forays into an exclusive range of Credit Cards offering unique reward structure in the form of JPMiles on every spends thus offering frequent flyers a very enhanced value proposition along with many more exclusive benefits and features.

• Annual Fees: First year fee is Rs 4000.
• Benefits of Jet Airways IndusInd Bank Voyage
• Joining Perk: First Year Benefit: one - way base fare waived off domestic ticket and bonus Rs 7,500.
• 6 JPMiles per 100 spent on Jet Airways Spends
• 3 JPMiles per 100 spent on others
• 2x rewards during weekends
• Welcome Bonus of 7500 JPMiles and a complimentary Jet Airways ticket
• Indulge in life full of privileges with offers on movies, dining and more.

3) SBI Signature Card

With your SBI Card, you get five different kinds of insurance cover, empowering you to tackle card loss, card theft, accidents, health issues and more.

• Annual Fees
• Joining fee, one time: Rs. 4,999, Service Tax, as applicable
• Annual fee: Rs. 4,999, Service Tax, as applicable
• Add-on fee, per annum: Nil
• Benefits of SBI Signature Card
• Joining Perk: Welcome e- Gift Voucher worth Rs. 5,000 from any of the following brands: Yatra, Jabong, Marks & Spencer, Westside, Shoppers Stop.
• The e- Gift Voucher code will be sent to your registered mobile number in 15 working days of receipt of request on a best effort basis.
• Get 5X Reward Points on Dining, Departmental stores, Grocery and International spends
• Use your SBI Signature Card and get 2 Reward Points for every Rs. 100 spent
• Earn 10,000 bonus Reward Points on achieving annual spends of Rs. 2 lakhs, 3 lakhs and 4 lakhs
• Earn 20,000 bonus Reward Points on crossing annual spends of Rs. 5 lakhs.

4) SBI Platinum Credit Card

• Annual Fees
• Joining fee, one time: Rs. 2,999, Service Tax, as applicable
• Annual fee: Rs. 2,999, Service Tax, as applicable
• Add-on fee, per annum: Nil
• Benefits of SBI Platinum Credit Card
• Joining Perk: Welcome e- Gift Voucher worth Rs. 3,000 from any of the following brands: Yatra, Jabong, Marks & Spencer, Westside, Shoppers Stop
• The e- Gift Voucher code will be sent to your registered mobile number in 15 working days of receipt of request on a best effort basis*
• Get 5X Reward Points on all Dining, Grocery, Departmental and International spends
• Earn 2 Reward points for every Rs. 100 spent on all other categories
• Get spend rewards on annual spending of Rs. 4 lakhs and 5 lakhs, each
• e- Gift Voucher worth Rs. 3,000 from any of the following brands: Yatra, Jabong, Marks & Spencer, Westside, Shoppers Stop

Conclusion: The choice of premium credit card, depends on your own needs. If you are a frequent traveller, opt for one that offers travel benefits. If you are a shopaholic, opt for shopping benefits.

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