New Delhi, July 10 -- Concierge services, which manage everything from restaurant reservations to travel, are an increasingly popular desirability for discerning customers of premium credit cards. But just how significant is the annual fee, and what exactly does the service entail? Let us take a look.

Cardholders are entitled to a lifestyle service desk called a credit card concierge. Think of your concierge as your personal assistant, saving both time and hassle to the cardholder via a one-stop shop for everything from a last-minute dinner reservation to travel planning to a unique gift. These services turn the card experience into a seamless daily convenience over and above the normal purchase experience.

Many premium credit cards inc...