Best Credit Cards with Free Golf Access (2026)

Complimentary golf games, lessons, and access to premium golf courses across India and international destinations.

Best Golf Privileges Credit Cards in India 2026

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Axis Bank Magnus Credit Card by Axis Bank
Joining Fee ₹12,500 + Taxes
Annual Fee ₹12,500 + Taxes
Best Suited For Luxury Travelers & High Spenders
Rewards Type Reward Points

Rewards Rate

35 EDGE Miles per ₹200 on travel bookings; 12 EDGE Miles per ₹200 on all other spends

Welcome Benefits

25,000 EDGE Miles on first transaction within 30 days

Card Details +

Key Advantages

  • ✓ Unlimited complimentary domestic & international airport lounge access
  • ✓ 25,000 EDGE Miles welcome bonus
  • ✓ 35 EDGE Miles per ₹200 on travel bookings
  • ✓ 1 EDGE Mile converts to 2 airline miles on transfer
  • ✓ 8 complimentary golf rounds per year globally

Limitations

  • ✕ ₹12,500 annual fee
  • ✕ Requires ₹25 lakh in annual spend to waive the fee, difficult for most cardholders
  • ✕ Very high income eligibility (₹3 Lakh/month)
  • ✕ Best value only for those spending ₹5 Lakh+ per month
  • ✕ Quarterly milestone bonus of 25,000 EDGE Miles has been discontinued
  • ✕ Buy 1 Get 1 movie ticket offer (BookMyShow) and Airport Meet & Greet services removed
  • ✕ Government, utilities, telecom, insurance, fuel, and gold/jewellery transactions completely excluded from earning EDGE reward points
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AU Zenith+ Credit Card by AU Small Finance Bank
Joining Fee ₹4,999 + Taxes
Annual Fee ₹4,999 + Taxes
Best Suited For International Travel & Luxury Hotel Memberships
Rewards Type Reward Points

Rewards Rate

Accelerated reward points; 0.99% low forex mark-up fee on international spends

Welcome Benefits

1,000 Reward Points on ₹75,000 monthly spends

Card Details +

Key Advantages

  • ✓ 0.99% forex markup, among the lowest available
  • ✓ 16 complimentary international airport lounge visits/year via Priority Pass
  • ✓ Buy 1 Get 1 Free movie tickets via BookMyShow (up to 16/year)
  • ✓ Air accident cover up to ₹2 Crore
  • ✓ Complimentary golf games & lessons (8/year)

Limitations

  • ✕ ₹4,999 annual fee (waived only on ₹8 Lakh spends)
  • ✕ Minimum income requirement of ₹2.5 lakh/month, a high eligibility bar
  • ✕ Complex rewards structure with monthly spend targets
  • ✕ Only available to Resident Indians
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HDFC Diners Club Black by HDFC Bank
Joining Fee ₹10,000 + Taxes
Annual Fee ₹10,000 + Taxes
Best Suited For Premium Luxury, Travel & High Reward Redemption
Rewards Type Reward Points

Rewards Rate

5 reward points per ₹150 on retail; up to 10X via HDFC SmartBuy; 2X on weekend dining

Welcome Benefits

Complimentary Club Marriott, Amazon Prime & Swiggy One membership on joining

Card Details +

Key Advantages

  • ✓ Unlimited complimentary airport lounge visits worldwide (primary + add-on)
  • ✓ Up to 10X reward points via HDFC SmartBuy platform
  • ✓ 6 complimentary golf games every quarter globally (24/year)
  • ✓ 1 point equals ₹1 when redeemed for air miles or hotel bookings, among the best redemption rates available
  • ✓ Complimentary Club Marriott, Amazon Prime & Swiggy One membership

Limitations

  • ✕ ₹10,000 annual fee, a high cost of ownership
  • ✕ Requires very high income (₹2.5 Lakh/month for salaried)
  • ✕ Best reward rates are only available through the HDFC SmartBuy portal
  • ✕ Diners Club acceptance lower than Visa/Mastercard internationally
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IndusInd Bank Pinnacle Credit Card by IndusInd Bank
Joining Fee ₹12,999 + Taxes
Annual Fee ₹12,999 + Taxes
Best Suited For Luxury Lifestyle & Ultra-Premium Travel
Rewards Type Reward Points

Rewards Rate

1.5 reward points per ₹100 on all purchases; 1 Reward Point = ₹0.75

Welcome Benefits

10,000 reward points on card activation (worth ₹7,500)

Card Details +

Key Advantages

  • ✓ Unlimited complimentary international & domestic lounge access
  • ✓ Dedicated personal butler service & 24x7 Pinnacle concierge
  • ✓ Golf membership & unlimited rounds at 9 premium courses in India
  • ✓ Exclusive Pinnacle experiences, including luxury hotel upgrades and chef's table access
  • ✓ Travel insurance up to ₹2 crore air accident cover

Limitations

  • ✕ ₹12,999 annual fee, among the highest on this list
  • ✕ Requires ₹15 Lakh annual spend for fee waiver
  • ✕ Reward rate of 1.5 points/₹100 is lower than competitors
  • ✕ IndusInd Bank has fewer branches than HDFC/SBI/ICICI
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IDFC FIRST Private Credit Card by IDFC FIRST Bank
Joining Fee ₹50,000 + Taxes
Annual Fee ₹50,000 + Taxes
Best Suited For Ultra-High-Net-Worth Individuals & IDFC FIRST Private Wealth Clients
Rewards Type Reward Points

Rewards Rate

Uncapped 10X points on incremental spends; 6X on online spends; 3X on offline spends

Welcome Benefits

200,000 welcome reward points, or a luxury welcome gift, on activation

Card Details +

Key Advantages

  • ✓ Uncapped, accelerating reward points with 1:1 transfers to airline and hotel partners
  • ✓ 0.75% monthly interest rate, among the lowest of any Indian credit card
  • ✓ Unlimited complimentary domestic and international lounge access for cardholder and guests

Limitations

  • ✕ Massive upfront annual entry milestone fee layer of ₹50,000 applied to account status
  • ✕ Strictly accessible to clients keeping ultra-premium wealth management relationship brackets with IDFC First Bank
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Axis Bank Burgundy Private Credit Card by Axis Bank
Joining Fee ₹50,000 + Taxes
Annual Fee ₹50,000 + Taxes
Best Suited For Axis Burgundy Private Banking Clients & Ultra-High Net Worth Travelers
Rewards Type Reward Points

Rewards Rate

15 EDGE Reward points per ₹200 spent on retail and international transactions

Welcome Benefits

30,000 EDGE Reward points, or a luxury welcome gift, on activation

Card Details +

Key Advantages

  • ✓ Points transfer at 5:4 to 20+ airline and hotel partners (5:2 for Lotusmiles, Finnair Plus & British Airways Club)
  • ✓ Unlimited complimentary domestic and international lounge access for primary and add-on cardholders, plus guests
  • ✓ Zero forex markup on international spends

Limitations

  • ✕ Massive upfront annual card fee barrier of ₹50,000 for standard applications
  • ✕ Requires strict adherence to multi-crore private banking wealth benchmarks with Axis Bank
  • ✕ Reward points collection excludes baseline routine categories like fuel and rent
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BOBCARD Tiara Credit Card by Bank of Baroda
Joining Fee ₹2,499* Plus Applicable Taxes
Annual Fee ₹2,499* Plus Applicable Taxes
Best Suited For Mid-range All-round Spends covering Lifestyle, Dining, and Domestic Travel
Rewards Type Reward Points

Rewards Rate

15 reward points for every ₹100 spent on dining, travel, and international transactions; 3 reward points for every ₹100 spent on other standard retail categories

Welcome Benefits

Complimentary annual memberships to Amazon Prime or Jio Hotstar, and Gaana Plus, plus a 3-month Swiggy One membership

Card Details +

Key Advantages

  • ✓ Unlimited complimentary domestic airport lounge access
  • ✓ 15 reward points per ₹100 on dining, travel and international spends
  • ✓ 2% forex markup on overseas transactions, better than most cards at this fee
  • ✓ Free annual subscription to Amazon Prime or Jio Hotstar plus 3 months of Swiggy One
  • ✓ Preventive health checkup package for women cardholders

Limitations

  • ✕ Low cash conversion reward redemption parity threshold set at 4 points = ₹1
  • ✕ Strict monthly capping limits enforced on accelerated 5X reward accumulations
  • ✕ Complete exclusion of automotive fuel purchases from generating any baseline reward points
  • ✕ Total absence of international lounge terminal access benefits
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HSBC Premier MasterCard Credit Card by HSBC Bank
Joining Fee 1st Year Fee: ₹12,000 + Taxes; 2nd Year Onwards: ₹20,000 + Taxes
Annual Fee 1st Year Fee: ₹12,000 + Taxes; 2nd Year Onwards: ₹20,000 + Taxes
Best Suited For HSBC Premier Banking Loyalists and Frequent Global Travelers
Rewards Type Reward Points

Rewards Rate

3 reward points for every ₹100 spent across all standard categories; Accelerated travel spends include 12X rewards on hotel bookings and 6X rewards on flight tickets via HSBC Rewards Marketplace

Welcome Benefits

20,000 bonus reward points on making the first transaction within the first 30 days of card issuance

Card Details +

Key Advantages

  • ✓ 0.99% forex markup, among the lowest available on any Indian credit card
  • ✓ 1:1 point transfer to a wide range of global airline and hotel partners
  • ✓ Unlimited complimentary domestic and international lounge access, plus 8 guest visits a year
  • ✓ 12X points on hotel bookings and 6X on flights through HSBC's Rewards Marketplace

Limitations

  • ✕ Steep ongoing annual maintenance renewal fee barrier of ₹20,000 from the second year onwards
  • ✕ Base reward rate yield of 3% is less competitive compared to rival top-tier premium cards offering up to 4.5%
  • ✕ Strict monthly reward points accumulation caps applied across select routine lifestyle and payment categories
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Times Black ICICI Bank Credit Card by ICICI Bank
Joining Fee ₹20,000 + Applicable Taxes
Annual Fee ₹20,000 + Applicable Taxes
Best Suited For Premium Lifestyle Experiences, Luxury Stay Vouchers, and Media Subscriptions
Rewards Type Reward Points

Rewards Rate

3 reward points per ₹100 spent across all categories

Welcome Benefits

20,000 bonus reward points on making the first transaction within the first 30 days of card issuance

Card Details +

Key Advantages

  • ✓ High-value milestone rewards including luxury resort stays fully offsetting the annual fee
  • ✓ Ultra-low foreign currency markup fee of 1.49%
  • ✓ Access to select entertainment events and fine dining experiences
  • ✓ Absolute zero fee charged on credit card cash withdrawals
  • ✓ Premium international media platform subscriptions available for just ₹1

Limitations

  • ✕ Very high standard joining and annual fee barrier of ₹20,000
  • ✕ Extremely steep spending target of ₹25 Lakh required for an ongoing annual fee waiver
  • ✕ Rewards are most valuable if your spending lines up with the card's partner brands, less useful otherwise
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IDFC FIRST Gaj Metal Credit Card by IDFC FIRST Bank
Joining Fee 1st Year Fee: ₹12,500* Plus Applicable Taxes
Annual Fee 1st Year Fee: ₹12,500* Plus Applicable Taxes
Best Suited For High Spenders & Frequent Travelers Seeking Strong Travel Redemption Value
Rewards Type Reward Points

Rewards Rate

33.33% value-back on travel spends (50 reward points per ₹150 spent on hotel bookings and 25 reward points per ₹150 spent on flight bookings via Travel & Shop); 3.33% value-back on regular spends (5 reward points per ₹150); 3 reward points per ₹150 spent internationally; 1 reward point per ₹150 spent on UPI, insurance, utilities, rent, government, wallet load, railways, Fastag, and education

Welcome Benefits

12,500 reward points (worth ₹12,500) upon payment of the joining or renewal fee; 25% off up to ₹5,000 on select 5-star hotel bookings via the IDFC FIRST mobile app on spending ₹1 Lakh within the first 60 days

Card Details +

Key Advantages

  • ✓ Unmatched 33.33% value-back yield on travel bookings via Travel & Shop
  • ✓ True 1:1 reward currency parity redemption ratio against flights and hotels
  • ✓ Includes typically excluded routine categories (rent, utilities, insurance, UPI) for reward generation
  • ✓ Absolute 0% cross-currency foreign exchange transaction markup penalty applied on international spends
  • ✓ Trip cancellation insurance included at no extra cost

Limitations

  • ✕ High upfront annual entry card fee barrier of ₹12,500
  • ✕ Ongoing lounge benefits are limited to 16 complimentary domestic and international visits per year
  • ✕ Reward redemptions against merchandise or vouchers carry a degraded parity ratio (4 points = ₹1)
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Standard Chartered Ultimate Credit Card by Standard Chartered
Joining Fee Rs. 5,000 + Taxes
Annual Fee Rs. 5,000 + Taxes
Best Suited For Premium-type Reward Multipliers, High Base Points Accrual, and Golf Privileges
Rewards Type Reward Points

Rewards Rate

5 reward points for every ₹150 spent across all standard categories (3.33% reward yield parity)

Welcome Benefits

Premium welcome benefits up to Rs. 5,000 value pack matching the upfront onboarding fees

Card Details +

Key Advantages

  • ✓ 5 reward points per ₹150 spent, a 3.33% return rate across all categories
  • ✓ 2% forex markup on international spends
  • ✓ Complimentary golf games and coaching sessions
  • ✓ Welcome benefits worth roughly ₹5,000, close to offsetting the joining fee

Limitations

  • ✕ Strict exclusions applied across key day-to-day categories including fuel and cash advances
  • ✕ Reward points accrued on card renewal are forfeited if fee payments are processed via promotional EMI conversions
  • ✕ No automatic ongoing lifestyle milestone benefits provided outside standard tier paths
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Axis Bank Neo Credit Card by Axis Bank
Joining Fee Lifetime Free
Annual Fee Free
Best Suited For Everyday Online Purchases, Food Delivery, and Instant Multi-Brand Discounts
Rewards Type Reward Points

Rewards Rate

1 EDGE Reward Point per ₹200 spent (1 EDGE Point = ₹0.20 on redemption)

Welcome Benefits

100% cashback up to ₹300 on first utility bill payment via Paytm within 30 days of card issuance

Card Details +

Key Advantages

  • ✓ Lifetime Free credit card with zero joining and zero annual maintenance charges
  • ✓ RuPay variant available for UPI payments
  • ✓ 100% cashback up to ₹300 on first utility bill payment made via Paytm
  • ✓ Instant discounts up to 40% on Zomato, Blinkit, BookMyShow, Myntra, and Paytm
  • ✓ Minimum 15% discount on dining out at partner restaurants via Axis Dining Delights

Limitations

  • ✕ Minimal base reward points earning rate on regular card expenditures
  • ✕ Enforces strict ceiling caps on maximum discount benefits per month across partner platforms
  • ✕ Lacks premium features such as complimentary airport lounge terminal access or golf privileges
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IDFC FIRST Wealth Credit Card by IDFC FIRST Bank
Joining Fee Lifetime Free
Annual Fee Free
Best Suited For High-earning individuals seeking a Lifetime Free Card with Premium Travel Perks & Golf Access
Rewards Type Reward Points

Rewards Rate

10X reward points on Dining, Travel and International spends; 3X reward points on other online & offline spends; 1X reward points on insurance, utilities, railways and FASTag recharges; 1X = 1 reward point per ₹200 spent

Welcome Benefits

Gift vouchers worth ₹500 on spending ₹15,000 within 90 days of card set-up; 5% cashback (up to ₹1,000) on your first EMI transaction within 90 days of card set-up

Card Details +

Key Advantages

  • ✓ Lifetime free, with no onboarding or annual fee
  • ✓ 10X reward points on dining, travel and international spends
  • ✓ 1.5% forex markup
  • ✓ Earns points on categories many cards exclude, like rent, education, utilities and insurance
  • ✓ Lounge access, spa visits and golf rounds included

Limitations

  • ✕ Low base reward redemption conversion metric locked at 1 point = ₹0.25
  • ✕ Base reward rate yield (3X on other spends) underperforms for a premium-tier card segment
  • ✕ Lounge, spa and movie privileges depend on hitting monthly spend milestones
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IndusInd Bank Tiger Credit Card by IndusInd Bank
Joining Fee Lifetime Free
Annual Fee Free
Best Suited For Spend-Based Milestone Rewards, Low Forex International Spends, and Air Mileage Redemptions
Rewards Type Reward Points

Rewards Rate

Tier-based annual spending reward structure: 1 reward point per ₹100 spent on annual spends up to ₹1 Lakh; 2 reward points per ₹100 spent on annual spends between ₹1 Lakh and ₹2.5 Lakh; 4 reward points per ₹100 spent on annual spends between ₹2.5 Lakh and ₹5 Lakh; 6 reward points per ₹100 spent on annual spends above ₹5 Lakh

Welcome Benefits

N/A

Card Details +

Key Advantages

  • ✓ Lifetime free, with no ongoing annual fee
  • ✓ 1.5% forex markup
  • ✓ Reward rate climbs to a 7.2% equivalent return once you cross ₹5 lakh in annual spend
  • ✓ Domestic and international lounge access, plus seasonal golf access
  • ✓ Points convert to airline miles at up to a 1:1 ratio

Limitations

  • ✕ Requires ₹5 lakh in annual spend to reach the top 6X reward point multiplier
  • ✕ Core daily household categories such as regular monthly utility bill payments and insurance premium outlays are entirely excluded from generating points
  • ✕ Low cash conversion reward redemption value if points are settled straight back as a standard statement balance credit
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LIC Signature Credit Card by LIC Cards
Joining Fee Lifetime Free
Annual Fee Free
Best Suited For LIC Insurance Premium Payments, Travel Airport Lounge Access & High Accident Insurance Cover
Rewards Type Reward Points

Rewards Rate

2 Reward Points per ₹100 on LIC premium payments & international spends; 1 Reward Point per ₹100 on other spends

Welcome Benefits

Zero joining fee + complimentary insurance shields worth up to ₹1 Crore

Card Details +

Key Advantages

  • ✓ 100% Lifetime Free credit card with zero joining and annual fees
  • ✓ 2 Reward Points per ₹100 spent on LIC insurance premium payments and international transactions
  • ✓ 2 complimentary domestic airport lounge visits per calendar quarter (8 visits per year)
  • ✓ Extensive complimentary insurance package: ₹1 Crore air accident cover, ₹5 Lakh personal accident cover & ₹1 Lakh purchase protection
  • ✓ Zero liability protection against lost/stolen cards up to ₹5 Lakh

Limitations

  • ✕ High net income eligibility threshold (₹15 Lakh per annum)
  • ✕ No welcome bonus or milestone reward points structure included
  • ✕ Fuel purchases, wallet reloads, and EMI transactions are excluded from reward points accrual
Full Card Review →
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Axis Bank Reserve Credit Card by Axis Bank
Joining Fee ₹50,000 + Taxes
Annual Fee ₹50,000 + Taxes
Best Suited For Ultra High Net Worth Individuals & Luxury Travelers
Rewards Type Reward Points

Rewards Rate

15 EDGE points per ₹200 domestic spend; 30 EDGE points per ₹200 international spend

Welcome Benefits

50,000 EDGE reward points on card activation & fee payment

Card Details +

Key Advantages

  • ✓ Unlimited complimentary domestic and international lounge access for primary & add-on cardholders + 12 guest visits/year
  • ✓ 50,000 EDGE reward points welcome benefit (worth up to ₹20,000+ on travel transfer)
  • ✓ Complimentary luxury hotel memberships (ITC Culinaire, Accor Plus, Oberoi Hotels)
  • ✓ Low foreign currency exchange markup of 1.5% + Taxes
  • ✓ Unlimited golf games globally & 24x7 VIP concierge services

Limitations

  • ✕ High joining & annual fee of ₹50,000 + Taxes
  • ✕ High income & spend criteria (₹35 Lakh for fee waiver)
  • ✕ Designed exclusively for super-premium high spenders
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Axis Bank Privilege Credit Card by Axis Bank
Joining Fee ₹1,500 + Taxes
Annual Fee ₹1,500 + Taxes
Best Suited For Lifestyle Shopping & Multi-brand Rewards
Rewards Type Reward Points

Rewards Rate

10 EDGE reward points per ₹200 spent on retail purchases

Welcome Benefits

₹5,000 multi-brand shopping vouchers on achieving ₹2.5 Lakh annual spend milestone

Card Details +

Key Advantages

  • ✓ 10 EDGE reward points per ₹200 spent on all retail transactions
  • ✓ Double reward points (20 EDGE points per ₹200) on domestic & international travel
  • ✓ ₹5,000 worth of shopping vouchers on card activation & milestone completion
  • ✓ 2 complimentary domestic airport lounge access visits per quarter
  • ✓ Annual fee waiver on ₹2.5 Lakh annual spends

Limitations

  • ✕ ₹1,500 annual fee charged upfront
  • ✕ Standard reward point value for cash credit is ₹0.20 per point
  • ✕ Lounge access subject to quarterly spend criteria
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HDFC Infinia Credit Card Metal Edition by HDFC Bank
Joining Fee ₹12,500 + Taxes
Annual Fee ₹12,500 + Taxes
Best Suited For High-Net-Worth Individuals & Frequent Luxury Travelers
Rewards Type Reward Points

Rewards Rate

5 reward points per ₹150; up to 10X on SmartBuy flight/hotel bookings

Welcome Benefits

12,500 Reward Points upon fee payment and card activation

Card Details +

Key Advantages

  • ✓ Industry-leading 3.3% base reward rate (5 points/₹150, 1 point = ₹1 for flight/hotel)
  • ✓ 10X reward points on SmartBuy (up to 33% reward rate on flights & hotel bookings)
  • ✓ Unlimited complimentary lounge access worldwide for primary & add-on cardholders
  • ✓ Complimentary Club Marriott membership and golf games globally
  • ✓ Low foreign currency markup fee of 2% + Taxes

Limitations

  • ✕ Strict invite-only eligibility criteria and high income threshold
  • ✕ ₹12,500 annual fee charged upfront (offset by 12,500 points on payment)
  • ✕ SmartBuy rewards capped at 15,000 points/month; brand vouchers sub-capped at 3,000 points/month (from Jul 2026)
Full Card Review →
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HDFC Diners Club Privilege Credit Card by HDFC Bank
Joining Fee ₹2,500 + Taxes
Annual Fee ₹2,500 + Taxes
Best Suited For Dining, Premium Travel & Lifestyle Experiences
Rewards Type Reward Points

Rewards Rate

4 reward points per ₹150; up to 20 reward points on SmartBuy

Welcome Benefits

Complimentary memberships of Swiggy One & Times Prime on fee payment

Card Details +

Key Advantages

  • ✓ 12 complimentary airport lounge visits worldwide (Domestic + International)
  • ✓ Buy 1 Get 1 free movie ticket offer on BookMyShow
  • ✓ Complimentary premium subscriptions (Swiggy One, Times Prime) on fee payment
  • ✓ 20 reward points per ₹150 on SmartBuy flights & hotel bookings
  • ✓ Annual fee waiver on ₹3 Lakh annual spends

Limitations

  • ✕ Diners Club network acceptance slightly lower than Visa/Mastercard at smaller merchants
  • ✕ ₹2,500 annual fee charged upfront
  • ✕ Lounge access requires spending milestone in preceding quarter
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SBI Card Pulse by SBI Card
Joining Fee ₹1,499 + Taxes
Annual Fee ₹1,499 + Taxes
Best Suited For Health & Fitness Enthusiasts
Rewards Type Reward Points

Rewards Rate

10 Reward Points per ₹100 on dining, movies, sports, chemist & pharmacy (2.5% value-back); 2 points per ₹100 on other spends

Welcome Benefits

Complimentary 1-year FITPASS PRO + Netmeds Plus membership on activation

Card Details +

Key Advantages

  • ✓ Complimentary 1-year FITPASS PRO membership with up to 12 fitness sessions/month
  • ✓ Complimentary 1-year Netmeds Plus membership included
  • ✓ 8 domestic lounge visits/year plus a Priority Pass membership worth $99
  • ✓ Fee waiver threshold (Annual fee waived on ₹2 Lakh annual retail spends)

Limitations

  • ✕ Base reward rate outside the 5 bonus categories is just 0.5% (2 points per ₹100)
  • ✕ Lounge access capped at 2 visits per quarter
  • ✕ FITPASS sessions must be pre-booked via the FITPASS app
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Apollo SBI Card SELECT by SBI Card
Joining Fee ₹1,499 + Taxes
Annual Fee ₹1,499 + Taxes
Best Suited For Apollo Healthcare & Pharmacy Spending
Rewards Type Reward Points

Rewards Rate

10 Reward Points per ₹100 on Apollo 24|7 and Apollo Pharmacy; 2 points per ₹100 on dining, movies & travel

Welcome Benefits

₹1,500 Welcome e-Gift Voucher on joining fee payment

Card Details +

Key Advantages

  • ✓ Up to 25% cashback on Apollo 24|7 medicine purchases via Apollo Circle integration
  • ✓ Complimentary 1-year FITPASS PRO membership after joining fee payment
  • ✓ 4 domestic lounge visits/year plus a free Priority Pass membership
  • ✓ Fee waiver threshold (Annual fee waived on ₹2 Lakh annual retail spends)

Limitations

  • ✕ Base reward rate outside Apollo spends is a modest 0.5%
  • ✕ Lounge access is limited to domestic visits only
  • ✕ ₹3 Lakh annual spend needed for the renewal fee waiver
Full Card Review →
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ICICI Bank Sapphiro Credit Card by ICICI Bank
Joining Fee ₹3,500 + Taxes
Annual Fee ₹3,500 + Taxes
Best Suited For Luxury Gemstone Privileges & BOGO Movies
Rewards Type Reward Points

Rewards Rate

2 Reward Points per ₹100 on domestic spends; 4 points per ₹100 on international spends

Welcome Benefits

Up to ₹9,000 in welcome vouchers + 4,000 Reward Points on ₹4 Lakh spend

Card Details +

Key Advantages

  • ✓ Complimentary golf: 1 round per ₹50,000 monthly spend, up to 48 rounds/year
  • ✓ 4 domestic lounge visits/quarter + 2 international visits/year
  • ✓ Up to ₹9,000 in welcome vouchers on joining
  • ✓ Fee waiver threshold (Annual fee waived on ₹6 Lakh annual retail spends)

Limitations

  • ✕ Lounge access requires ₹75,000 spend in the preceding quarter
  • ✕ Reward points redeem at a modest ₹0.25 per point
  • ✕ ₹6,500 joining fee is high relative to the ₹3,500 renewal fee
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ICICI Bank Rubyx Credit Card by ICICI Bank
Joining Fee ₹3,000 + Taxes
Annual Fee ₹3,000 + Taxes
Best Suited For Dual Card Benefits & Golf Rounds
Rewards Type Reward Points

Rewards Rate

2 Reward Points per ₹100 on domestic spends (except fuel); 4 points per ₹100 on international spends

Welcome Benefits

Up to 15,000 Reward Points achievable annually via spend milestones

Card Details +

Key Advantages

  • ✓ Dual card: linked Mastercard/Amex or Visa/RuPay pair on one account
  • ✓ 1 golf round per ₹50,000 monthly spend, up to 2 rounds/month
  • ✓ 2 domestic lounge visits/quarter plus 1 railway lounge visit/quarter
  • ✓ Fee waiver threshold (Annual fee waived on ₹3 Lakh annual retail spends)

Limitations

  • ✕ Lounge access requires ₹75,000 spend in the preceding quarter
  • ✕ Fuel spends are excluded from reward point earning
  • ✕ Golf capped at 2 rounds/month even on higher spends
Full Card Review →
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ICICI Bank Emeralde Credit Card by ICICI Bank
Joining Fee ₹12,000 + Taxes
Annual Fee ₹12,000 + Taxes
Best Suited For Unlimited Airport Lounge & Golf Privileges
Rewards Type Reward Points

Rewards Rate

4 Reward Points per ₹100 spent on all categories

Welcome Benefits

Complimentary golf and lounge access from day one; welcome offer varies by current promotion

Card Details +

Key Advantages

  • ✓ Unlimited complimentary domestic and international airport lounge access
  • ✓ Complimentary golf round/lesson per ₹50,000 monthly spend, up to 4/month
  • ✓ 4 Reward Points per ₹100 spent across all categories
  • ✓ Fee waiver threshold (Annual fee waived on ₹15 Lakh annual retail spends)

Limitations

  • ✕ ₹12,000 fee needs ₹15 Lakh annual spend to waive
  • ✕ Golf rounds capped at 4/month regardless of higher spends
  • ✕ No dedicated airline mile transfer program, unlike travel-focused cards
Full Card Review →
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Lumiere Credit Card by RBL Bank
Joining Fee ₹50,000 + Taxes
Annual Fee ₹50,000 + Taxes
Best Suited For Golf Privileges & International Rewards
Rewards Type Reward Points

Rewards Rate

4 Reward Points per ₹200 spent (~2%); 20 points per ₹200 (10%) via the Lumiere rewards portal

Welcome Benefits

Welcome gift benefit on card activation & joining fee payment

Card Details +

Key Advantages

  • ✓ Unlimited domestic and international lounge access for cardholder and guests
  • ✓ Golf privileges for the primary cardholder
  • ✓ Complimentary airport meet-and-greet service, zero forex markup
  • ✓ Fee waiver threshold (Annual fee waived on ₹3 Lakh annual retail spends)

Limitations

  • ✕ ₹50,000 annual fee, waived only for ₹2 Crore+ Total Relationship Value clients
  • ✕ Invite-only; not available for direct public application
  • ✕ Golf privileges are limited to the primary cardholder only
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American Express® Platinum ReserveSM Credit Card by American Express
Joining Fee ₹10,000 + Taxes
Annual Fee ₹10,000 + Taxes
Best Suited For Luxury Hotel Vouchers, Golf & Airport Lounge Access
Rewards Type Reward Points

Rewards Rate

1 Membership Rewards Point per ₹50 spent (2% base); 3X on select brands via the Rewards Multiplier

Welcome Benefits

Welcome gift benefit on card activation & joining fee payment

Card Details +

Key Advantages

  • ✓ 2 complimentary golf rounds/month at 32 premium courses (up to 24/year) on ₹50,000 monthly spend
  • ✓ 12 domestic lounge visits/year plus a complimentary Priority Pass membership worth $99
  • ✓ Access to 1,400+ VIP lounges in 100+ countries via Priority Pass
  • ✓ Fee waiver threshold (Includes 11,000 Membership Rewards points on renewal)

Limitations

  • ✕ Domestic lounge visits are capped at 3 per quarter
  • ✕ Golf rounds require ₹50,000 monthly spend to unlock
  • ✕ Base reward rate of 2% is modest for this fee tier
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IDFC FIRST Diamond Reserve Credit Card by IDFC FIRST Bank
Joining Fee ₹3,000 + Taxes
Annual Fee ₹3,000 + Taxes
Best Suited For Ultra Premium Metal Card & Golf Privileges
Rewards Type Reward Points

Rewards Rate

Up to 60 points per ₹150 on hotel bookings (10% value-back) and 40 points per ₹150 on flights (6.6% value-back) via the IDFC FIRST app; 1 point = ₹0.25 elsewhere

Welcome Benefits

Welcome gift benefit on card activation & joining fee payment

Card Details +

Key Advantages

  • ✓ Up to 10% value-back on hotel bookings, 6.6% on flights via the IDFC FIRST app
  • ✓ 2 domestic + 2 international lounge visits per quarter, plus 4 railway lounge visits
  • ✓ Up to 2 complimentary golf rounds/lessons per month
  • ✓ Fee waiver threshold (Annual fee waived on ₹15 Lakh annual retail spends)

Limitations

  • ✕ Lounge and golf benefits require ₹20,000 spend in the preceding month
  • ✕ Reward points redeem at just ₹0.25 outside travel bookings
  • ✕ Best value depends on booking travel through the IDFC FIRST app specifically
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Golf Privileges Cards at a Glance

Best Golf Privileges Credit Cards Comparison Table
Card Fee Rating
1. Axis Bank Magnus Credit Card ₹12,500 + Taxes ★ 4.6 View →
2. AU Zenith+ Credit Card ₹4,999 + Taxes ★ 3.5 View →
3. HDFC Diners Club Black ₹10,000 + Taxes ★ 4.5 View →
4. IndusInd Bank Pinnacle Credit Card ₹12,999 + Taxes ★ 4.3 View →
5. IDFC FIRST Private Credit Card ₹50,000 + Taxes ★ 4.9 View →
6. Axis Bank Burgundy Private Credit Card ₹50,000 + Taxes ★ 4.8 View →
7. BOBCARD Tiara Credit Card ₹2,499* Plus Applicable Taxes ★ 3.5 View →
8. HSBC Premier MasterCard Credit Card 1st Year Fee: ₹12,000 + Taxes; 2nd Year Onwards: ₹20,000 + Taxes ★ 3.0 View →
9. Times Black ICICI Bank Credit Card ₹20,000 + Applicable Taxes ★ 4.2 View →
10. IDFC FIRST Gaj Metal Credit Card 1st Year Fee: ₹12,500* Plus Applicable Taxes ★ 3.5 View →
11. Standard Chartered Ultimate Credit Card Rs. 5,000 + Taxes ★ 3.5 View →
12. Axis Bank Neo Credit Card Free ★ 3.0 View →
13. IDFC FIRST Wealth Credit Card Free ★ 3.5 View →
14. IndusInd Bank Tiger Credit Card Free ★ 3.0 View →
15. LIC Signature Credit Card Free ★ 4.5 View →
16. Axis Bank Reserve Credit Card ₹50,000 + Taxes ★ 4.9 View →
17. Axis Bank Privilege Credit Card ₹1,500 + Taxes ★ 4.3 View →
18. HDFC Infinia Credit Card Metal Edition ₹12,500 + Taxes ★ 4.9 View →
19. HDFC Diners Club Privilege Credit Card ₹2,500 + Taxes ★ 4.5 View →
20. SBI Card Pulse ₹1,499 + Taxes ★ 4.4 View →
21. Apollo SBI Card SELECT ₹1,499 + Taxes ★ 4.4 View →
22. ICICI Bank Sapphiro Credit Card ₹3,500 + Taxes ★ 4.7 View →
23. ICICI Bank Rubyx Credit Card ₹3,000 + Taxes ★ 4.4 View →
24. ICICI Bank Emeralde Credit Card ₹12,000 + Taxes ★ 4.8 View →
25. Lumiere Credit Card ₹50,000 + Taxes ★ 4.5 View →
26. American Express® Platinum ReserveSM Credit Card ₹10,000 + Taxes ★ 4.8 View →
27. IDFC FIRST Diamond Reserve Credit Card ₹3,000 + Taxes ★ 4.9 View →

Frequently Asked Questions

Do golf credit cards cover green fees completely?

Usually not entirely. Most cards offer complimentary or discounted golf lessons and a limited number of free rounds per year at partner golf courses, not unlimited free golf.

Which cards typically offer golf privileges?

Golf benefits are usually reserved for premium and super-premium credit cards, reflecting their higher income eligibility and annual fee.

Do I need to book golf privileges in advance?

Yes, most issuers require advance booking through their concierge or lifestyle benefits portal to redeem complimentary golf sessions.

Explore Other Card Benefits

✈️
Lounge Access
🌐
Zero Forex
⛽
Fuel Waiver
📱
UPI & RuPay

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