I think the ideal credit card should have a high rewards rate, low interest rate, and currency surcharge, and offer free benefits such as airport lounge access, golf rounds/lessons, etc. For example, the AmEx Platinum Credit Card probably has the highest membership fee in the Indian credit card market. The benefits it offers justify the high membership fees to some extent. Although the membership fee is high, it has provided various 100% cashback offers over the past year, such as the recent 100% cashback offer of up to Rs. You may still want to compare the American Express Platinum Card benefits with those of the HDFC Infinia and ICICI Emerald credit cards, so you'll want to know about https://cardinsider.com/best-credit-cards-india/.