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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Axis Bank
12 EDGE Reward Points per Rs 200 on monthly spends up to Rs 1.5 lakh; 35 poin… — Best for .
Annual fee
₹30,000
Visa · HSBC India
2X reward points per ₹100 — Best for rewards.
Annual fee
₹500
Visa · SBI Card
10X reward points on health — Best for healthcare · rewards.
Annual fee
₹1,499
Axis Bank
Annual Fee
₹30,000
Reward Rate
12 EDGE Reward Points per Rs 200 on monthly spends up to Rs 1.5 lakh; 35 points per Rs 200 above Rs 1.5 lakh; enhanced ratio for Burgundy customers (4 partner points per 5 EDGE = 5:4 ratio)
Welcome Benefit
—
HSBC India
Annual Fee
₹500
Reward Rate
2X reward points per ₹100
Welcome Benefit
—
SBI Card
Annual Fee
₹1,499
Reward Rate
10X reward points on health
Welcome Benefit
—
Side by side
Every fee, reward and benefit in one place — the winning card in each row is marked with a check.
CategoryFeature | Axis Bank Burgundy Credit CardVisa · Axis Bank | HSBC Smart Value Credit CardVisa · HSBC India | SBI Card PulseVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | HSBC India | SBI Card |
Card | |||
Annual fee | ₹30,000 | ₹500Best | ₹1,499 |
Joining fee | ₹30,000 | ₹500Best | ₹1,499 |
Reward rate | 12 EDGE Reward Points per Rs 200 on monthly spends up to Rs 1.5 lakh; 35 points per Rs 200 above Rs 1.5 lakh; enhanced ratio for Burgundy customers (4 partner points per 5 EDGE = 5:4 ratio)Best | 2X reward points per ₹100 | 10X reward points on health |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Visa | Visa |
Best for | — | rewards | healthcare, rewards |
Apply |
Axis Bank
12 EDGE Reward Points per Rs 200 on monthly spends up to Rs 1.5 lakh; 35 poin… — Best for .
HSBC India
2X reward points per ₹100 — Best for rewards.
SBI Card
10X reward points on health — Best for healthcare · rewards.
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