Premium credit cards are high-end financial products that offer a range of exclusive benefits and rewards. These cards typically come with higher annual fees but provide perks such as travel insurance, concierge services, and access to airport lounges. They often reward users with points or cash back on purchases, which can be redeemed for travel, merchandise, or other experiences. Many premium credit cards also include enhanced security features and personalized customer service. Users may enjoy additional benefits like extended warranties on purchases and no foreign transaction fees, making them appealing for frequent travelers. Popular examples include cards from Visa, Mastercard, and American Express.