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Best Golf Credit Cards in India for 2024

Home Credit Card Best Golf Credit Cards in India

Frequent golfers or people who spend money on golf lessons know that it can be quite expensive to avail such services. That is where the right golf credit card comes into play. Many credit cards offer reward points or cashback, but there are certain cards that offer exclusive golf perks and benefits. However, such benefits are generally provided by premium or super-premium credit cards as it is part of a luxurious lifestyle. Here are some of the top golf credit cards that will help you save a lot on your expenses.

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Updated: 13-11-2024 09:23:49 AM

Best Golf Credit Cards in India July 2024

Standard Chartered Ultimate Credit Card

ultimate-credit-card
3.5/5

Joining fee: ₹5000

Annual/Renewal Fee: ₹5000

5 rewards per Rs. 150 spent with 1:1 redemption ratio

5% cashback up to Rs. 1,000 on all duty-free spends

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Product Details

  • Low forex mark-up fee of 2%
  • 6,000 reward points on joining & 5,000 reward points on renewal fee payment
  • Up to 12 lounge access in a year via Priority Pass on min. Rs. 20,000 monthly spends
  • 1 golf game & 1 coaching session per month at premier domestic golf courses
  • Up to Rs. 1 crore air travel accident cover & medical insurance of USD 25,000
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HDFC Diners Club Black Credit Card

hdfc-diners-club-black-credit-card
4/5

Joining fee: ₹10000

Annual/Renewal Fee: ₹10000

Unlimited airport lounge access for primary and add-on members

High base rewards rate of 3.33% with 5 reward points per Rs. 150 spent

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Product Details

  • Up to 10X reward points on SmartBuy and 2X on weekend dining with up to 1:1 redemption ratio
  • Annual memberships of Club Marriott, Forbes, Amazon, Swiggy One (3 months) and MMT BLACK on joining
  • Low forex markup fee of 2% and renewal of annual complimentary memberships on Rs. 8 lakh annual spends
  • Any 2 vouchers of Rs. 500 from Ola cabs, cult.fit Live, BookMyShow, or TataCliQ on Rs. 80,000 monthly spends
  • 6 complimentary golf games in a calendar quarter
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HDFC Infinia Credit Card Metal Edition

infinia-credit-card
4/5

Joining fee: ₹12500

Annual/Renewal Fee: ₹12500

Unlimited airport lounge access for primary and add-on members

10x reward points on travel and shopping spends on Smartbuy

Travel
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Product Details

  • 1 RP = 1 Air Mile or Rs. 1 for travel bookings, Apple products and Tanishq vouchers purchased via SmartBuy
  • Invite-only card with Club Marriott membership and 12,500 reward points on card activation & renewal
  • 5 reward points on every Rs. 150 spent, including spends on insurance, utilities and education​
  • Access to unlimited golf coaching in India & golf games across the world with 2% forex mark-up fee
  • Book 3 nights stay at participating ITC hotels and pay for 2 with 1+1 complimentary weekend buffet
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ICICI Emeralde Private Metal Credit Card

emeralde-private-metal-credit-card
4/5

Joining fee: ₹12499

Annual/Renewal Fee: ₹12499

Taj Epicure & EazyDiner Prime memberships

Unlimited airport lounge visits

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Product Details

  • Rs. 3,000 EaseMyTrip vouchers on reaching each annual spending milestone of Rs. 4 Lakh and Rs. 8 Lakh
  • Unlimited golf lessons or rounds every month on creating a Golftripz account
  • EazyDiner membership, up to 50% off on dining in India & Dubai; 2,000 EazyPoints on joining
  • Buy 1 ticket and get up to Rs. 750 off on the 2nd ticket on BookMyShow bookings, twice a month
  • 1% fuel surcharge waiver of up to Rs. 1,000 per month on fuel transactions below Rs. 4,000
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IDFC FIRST Private Credit Card

idfc-first-private-credit-card
4/5

Joining fee: ₹50000

Annual/Renewal Fee: ₹50000

Unlimited international & domestic airport lounge access

Up to 10X rewards with multiple redemption options

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Product Details

  • Zero forex mark-up fee
  • Curated Taj Epicure membership and 2 lakh reward points as joining bonus
  • 24 complimentary golf rounds per year, 2 per month
  • Up to Rs. 750 off on movies, non-movies & food combos via BookMyShow, twice a month
  • 2 cover claims of up to Rs. 50,000 on hotel and flight booking cancellations
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Axis Bank Reserve Credit Card

axis-bank-reserve-credit-card
3.5/5

Joining fee: ₹50000

Annual/Renewal Fee: ₹50000

Unlimited domestic & international lounge visits via Priority Pass

Low forex mark-up fee of 1.5% with 2X reward points on international spends

Travel
Reward Points
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Product Details

  • Up to 30 EDGE reward points for every Rs. 200 spent
  • B1G1 offer on BookMyShow tickets with up to 5 offer tickets per month
  • ITC Culinaire, Accorplus, Club Marriott & EazyDiner Prime memberships & offers on Postcard & Oberoi hotels
  • 50 free golf rounds every year across select golf courses in India
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Best Credit Cards in India | Check Eligibility for Top Cards

While golf access could be an important consideration when choosing a credit card, it should not be a deciding factor to determine a credit card’s worth. Golf benefits are usually offered by all-rounder credit cards, covering multiple lifestyle categories along with free golf visits such as travel, movies, dining, shopping, etc. Most of these cards belong to the premium and mid-range categories. Thus, to avail complimentary golf access, you will have to pay a high annual fee. That’s why it is important to identify the all-round benefits of the card to analyze whether you will be able to maximize the features.

To choose the best golf credit card for you, it is advisable that you make a decision not just based on the frequency of complimentary golf access but also on the cost-benefit analysis. Identify the range of value you can derive from the card as per your spending patterns across everyday expenses, lifestyle spends across travel and shopping, and leisure spends across golf. Details on some of the best credit cards with golf access are as follows:

1. Standard Chartered Ultimate Credit Card

Joining Fee: Rs. 5,000
Annual/ Renewal Fee: Rs. 5,000

For golf access, the card offers decent free visits at golf courses at an affordable fee of Rs. 5,000—the lowest amongst the cards in this list. Beside sessions, it also offers golf lessons, making it a suitable choice for users who are interested in learning golf. However, no golf offer is extended beyond India, making it suitable for those who have just begun their golf practice.

Golf Privileges:

  • 1 complimentary golf game in a month at premium golf courses in the country
  • 1 complimentary coaching session per month at domestic golf courses

Other Benefits:

  • 5 reward points on every Rs. 150 spent
  • 5% cashback on duty-free spends
  • 2% foreign currency markup fee on overseas spends
  • Complimentary Priority Pass Membership
  • Convert your purchases of Rs. 5,000 or above into EMIs
Beyond Golf: This card is popularly known for its reward points and travel benefits. With a high reward rate of 3.33%, the card competes with other premium cards like HDFC Diners Club Black and HDFC Infinia. Additionally, the card stands out for its international travel benefits, like 5% cashback on duty-free purchases and a low forex markup fee.


2. HDFC Diners Club Black Credit Card

Joining Fee: Rs. 10,000
Annual/ Renewal Fee: Rs. 10,000 (Waived off on spending Rs. 5 lakh in a year)

While the primary focus of the card stays on travel-centric benefits, it offers exceptionally good access to golf courses. Additionally, the golf benefit is not limited to India but is extended worldwide.

Golf Privileges:

  • 6 complimentary golf games per quarter across the finest courses in the world

Other Benefits:

  • Complimentary annual memberships of Club Marriott, Forbes, Amazon Prime, Swiggy One (3 months) and MMT BLACK
  • Complimentary Ola cabs, cult.fit Live, BookMyShow or TataCliQ vouchers on spending at least Rs. 80,000 every month
  • 5 reward points for every Rs. 150 spent
  • Up to 10x reward points on partner brands and 2x on weekend dining
  • Unlimited airport lounge access worldwide for both primary and add-on users
  • Low foreign exchange markup fee of 2%
Beyond Golf: This card belongs to the premium card list and offers benefits across multiple lifestyle categories. However, what stands out as a major USP of this card is the high reward rate of 3.33%, multiple redemption options, unlimited lounge access, and low forex markup fee. It is thus suitable for high-income individuals who put most of their expenses on the card across diverse categories and are also frequent travelers.


3. HDFC Infinia Credit Card Metal Edition

Joining Fee: Rs. 12,500
Annual/ Renewal Fee: Rs. 12,500 (Waived off on spending Rs. 10 lakh annually)

The HDFC Infinia Credit Card is one of the best premium credit cards in India. The card offers premium benefits to users across rewards, travel, and lifestyle categories like golf. While most cards offer a restricted frequency of golf access, this card keeps it unlimited. Besides, the benefit extends beyond domestic locations to worldwide. Users can also avail  golf coaching and eventually make use of the unlimited access.

Golf Privileges:

  • Unlimited complimentary golf games at leading courses across India and select courses across the world
  • Unlimited complimentary golf coaching at select golf courses across India

Other Benefits:

  • 5 reward points for every Rs. 150 spent
  • Unlimited complimentary international and domestic lounge access
  • Low forex markup fee of 2%
  • Complimentary Club Marriott membership for first year
  • Complimentary nights & buffet at participating ITC hotels
Beyond Golf: This is an invite-only card, offered only to individuals who hold a good TRV (total relationship value) with HDFC bank. If offered, this card is worth availing due to its high reward rate, international travel benefits and premium privileges extended  via redemption and other features. Similar to the HDFC Diners Club Black, this card is also suitable for high income individuals looking for all round benefits.

 

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4. ICICI Emeralde Private Metal Credit Card

Joining Fee: Rs. 12,499
Annual Fee: Rs. 12,499

Another premium card that offers unlimited golf access is the ICICI Emeralde Private Credit Card. This card also extends the benefits to not just sessions, but also golf coaching. Users can book their slots via their Golftripz account.

Golf Privileges:

  • Unlimited golf lessons or rounds every month

Other Privileges:

  • Taj Epicure membership and 12,500 bonus rewards as welcome benefits
  • 6 ICICI rewards on every Rs. 200 spent, including grocery, education, utilities, and insurance payment transactions
  • Vouchers with value up to Rs. 6,000 as milestone benefit
  • Unlimited international and domestic airport lounge access every year
  • Dining benefits via complimentary EazyDiner Membership every year
  • B1G1 offer on BookMyShow- Buy 1 ticket and get up to Rs. 750 off on the 2nd ticket, valid twice a month
Beyond Golf: Justifying its high annual fee, the ICICI Emeralde Private Credit Card offers all-round benefits across multiple categories. The main USP of the card is some features of its rewards program, such as a redemption ratio of 1:1 and the inclusion of often excluded categories such as insurance, utilities, and government transactions. Besides, the travel benefits are also notable, such as premium membership at Taj Epicure, low forex markup, and unlimited lounge access. The card can be a suitable option for high-spenders and frequent travelers.


5. IDFC FIRST Private Credit Card

Joining Fee: Rs. 50,000
Annual/ Renewal Fee: Rs. 50,000

This is an invite-only credit card.

The card offers free golf access every month. Though the frequency is decent, much more is expected from a card that charges Rs. 50,000 as its annual fee. To derive the maximum value back here, apart from the golf benefits, users will also have to ensure the features around other lifestyle categories.

Golf Privileges:

  • 24 complimentary golf rounds in a year, 2 per month

Other Privileges:

  • 2 lakh bonus rewards points worth Rs. 50,000 andTaj Epicure Membership as welcome benefit
  • 10X rewards on spends above Rs. 30,000 per month and on birthday spends
  • 6X and 3X reward points on online and in-store spends up to Rs. 30,000 per month, respectively
  • 1X reward point on insurance premium payments (1X = 1 reward point per Rs. 100)
  • Instant discount of up to Rs. 750 per month for movies, plays, and event ticket bookings at BookMyShow, valid twice per month
  • Unlimited domestic and international airport lounge
  • Unlimited domestic airport spa access
  • 4 complimentary railway lounge visits in a quarter
  • 0% forex markup fee
Beyond Golf: IDFC FIRST Private Credit Card is an invite-only super premium card offering luxurious benefits around multiple lifestyle categories like golf, rewards, travel, movies, etc. The card comes with an incremental reward structure, where users earn 10x rewards on spends beyond Rs. 30,000 in a month. Thus, it is a suitable choice for high-spenders who like putting most of their spends on credit cards. The card comes with a unique redemption option for donations to charity. The travel benefits on the card are also good, as it comes with a zero forex markup fee and unlimited lounge access. But for a premium credit card, it comes with the drawback of excluding everyday transactions like fuel and utilities from its rewards program.

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6. Axis Bank Reserve Credit Card

Joining Fee: Rs. 50,000
Annual/ Renewal Fee: Rs. 50,000

Being a super-premium credit card the card offers a good frequency of lounge access. But, the benefit is only restricted to domestic lounges. Comparatively, other premium cards like Infinia and Diners Club come at a low fee but offer unlimited lounge access. Since the card comes with a high-fee, before availing you must keep in mind your repayment ability and also the non-golf benefits.

Golf Privileges:

  • 50 free golf rounds every year across select golf courses in India

Other Benefits:

  • Up to 30 EDGE reward points for every Rs. 200 spent
  • Priority Pass Membership with free unlimited international lounge visits
  • Free unlimited domestic lounge visits for both primary and add-on cardholders
  • Buy 1 movie ticket and get up to Rs. 500 off on the 2nd via BookMyShow, 5 times a month
  • Complimentary ITC Culinaire, Accorplus, EazyDiner Prime and Club Marriott Asia Pacific memberships
Beyond Golf: Axis Bank Reserve Credit Card offers a variety of benefits, such as exclusive memberships, free golf games, unlimited lounge access, discount on movie tickets and much more to its users. However, it is clear that only high net worth individuals can afford this credit card as it comes with an extremely high annual fee. This is an ideal choice if you want to avail premium benefits across multiple categories.


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