What is a Black Credit Card

If you are looking to boost your status without investing in a Mercedes-Benz or a luxury apartment, a black credit card in India can achieve just that. Carrying this card signifies that your credit score is above 800, you belong to a high annual income bracket, and you own other luxury assets as well.

Read this blog to explore the best black cards in India in 2025, their exclusive benefits, eligibility criteria and charges.

Quick Overview 

• Unlock luxury with popular credit cards from HDFC Bank, ICICI Bank, Axis Bank and HDFC Bank.
• Designed for high-net-worth individuals, whose minimum monthly income is ₹2,00,000.
• Serves as a status symbol among the elite class.

What is a Black Credit Card? 

A black credit card is a premium credit card exclusively designed for the ultrawealthy individuals. It offers exclusive perks and benefits along with other lucrative opportunities, such as GST payment through credit card.  

Note that each bank or NBFC has their own set of requirements for issuing black credit cards. Generally, you must show evidence of your high annual income, assets, and investments to be eligible for this card.  

Best Black Credit Cards in India 

While there are many credit cards available out there, you should have a comprehensive knowledge of the best black credit cards in India. 

HDFC Bank Diners Club Black Credit Card

Benefits: 

• Exclusive discounts from Club Marriott, Swiggy, MakeMyTrip, and Amazon Prime and Times Prime Subscription.
• 5 reward points with each ₹150 transaction.
• Complimentary golf sessions and lounge access on over 1000+ lounges (domestic and international).
• Vouchers from brands like Uber, BookMyShow, and TataCliQ for spending ₹80,000+ in one month

Eligibility:

• From 21 to 60 years with more than ₹2.5 lakh monthly income (for a salaried Indian individual).
• From 21 to 65 years with more than ₹30 lakh annual income (for a self-employed Indian individual).

Charges:

• ₹10,000 + taxes as a joining or renewal membership fee.
• 2% as foreign currency transaction charges.
• ₹50 as cashback redemption charges.
• ₹99 as a reward redemption fee.

Times Black ICICI Bank Credit Card

Benefits: 

• ₹10,000 voucher on EaseMyTrip.
• Exciting gift cards from Toni&Guy and Interflora.
• Unlimited domestic and international lounge access.
• Dining privileges with an annual membership of Zomato Gold.

Eligibility:

• An Indian citizen who is more than 21 years of age.
• Monthly income of ₹2,00,000 for a salaried individual and annual income of ₹24,00,000 for a self-employed individual.

Charges:

• ₹20,000 + GST as joining and annual fee.
• 1.49% interest as forex markup charges.
• ₹100 to ₹1,300 as late bill payment charges.
• 3.75% interest on the minimum due paid.

Axis Bank Voyage Black Credit Card

Benefits: 

• ₹4,000 of a flight voucher on SpiceJet.
• Free SpiceClub Gold membership along with 1% fuel surcharge waiver.
• 8 complimentary lounge access at domestic airports.
• 6000 SpiceClub points and bonuses as milestones and renewal benefits.

Eligibility:

• The age criteria is between 18 and 70 years.
• Must be an Indian resident.

Charges:

• ₹2,000 as a joining fee.
• ₹175 as a cash payment fee.
• 3.75% per month as finance charges.
• 2.5% as cash withdrawal charges.

HDFC Bank Biz Black Metal Edition Credit Card

Benefits: 

• Annual membership from Club Marriott, 20% discounts on dining, spa, and other services.
• Business benefits, such as GST payment through credit card, SmartBuy BizDeals, etc.
• Business insurance package with an annual premium of ₹3,785.
• 24/7 concierge services along with other lucrative benefits.

Eligibility:

• A self-employed Indian individual between the ages of 21 and 65 years.
• Annual income must be above ₹30 lakh.

Charges:

• ₹10,000 + taxes as joining or renewal membership fee.
• 2% as foreign currency transaction charges.
• ₹50 as cashback redemption charges.
• ₹99 per as a rewards redemption fee.

A black credit card is categorised as a premium credit card for its offerings. Choose the right one to ensure unmatched luxury, premium rewards and great value every time you swipe. When considering its drawbacks, high joining fees and spending requirements are a few things you must consider.

If you want to avoid these fees, you can consider the Stable Money Suryoday Bank Credit Card. It is lifetime free and offers 0.5% cashback every time.