New Delhi, June 18 -- As a credit card user, have you ever felt the urge to keep a card which is exclusive and special. What if the card gives you access to some special events or exclusive offers? Sounds tempting? Isn't it?

These offers are typically given only on somepremium credit cards which are cut above the rest. These are not regular vanilla cards with the same boring offers of small discounts on online shopping orreward points. These cards are exclusive and give special offers. There is a surprise, though! These cards could be invite-only or charge a highannual fee.

Premium credit cards refer to the cards offered by top banks only to a select few customers falling in the high-income bracket. These cards typically charge a higher...