New Delhi, Nov. 21 -- If you are looking to get a credit card for a range of exclusive features, such as golf rounds and unlimited access to lounges and concierge service, then perhaps the best way to do it is to opt for a premium credit card.

As the name suggests, a premium credit card offers some special offers to cardholders which are not available in regular cards. Because of these services, these cards are more expensive and carry a high annual fee.

Let us understand this with the examples of a few popular premium cards.

I. HDFC Infinia Metal: With this card, you can book a stay for 3 nights and pay for two at participating ITC hotels. There is a complimentary Club Marriott membership for the first year that offers up to 25% disco...