New Delhi, Sept. 17 -- If you are a credit card user and fond of luxury at the same time, it is recommended to explore some premium cards to make the best of both worlds.

Almost every bank offers one or more premium cards to offer special luxuries for the cardholders to indulge in. Not only are their names (metal edition or ELITE) impressive, but also the exclusivity they bring with them. Here we list out some of the premium credit cards that top banks offer.

I. HDFC Infinia Metal Edition: This card charges Rs.12,500 plus taxes as a joining fee. One has to spend Rs.10 lakh or more in the preceding 12 months to get the renewal membership fee waived off for next year.

It also offers complimentary nights and buffet at participating ITC ho...