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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Axis Bank
12000 bonus points on ₹1L monthly; 5X on travel — Best for premium · travel · lounge-access.
Annual fee
₹12,500
Visa · HSBC India
2X reward points per ₹100 — Best for rewards.
Annual fee
₹500
Visa · SBI Card
1-year FITPASS PRO + Apollo 24|7 e-Gift Voucher
Annual fee
₹1,499
Axis Bank
Annual Fee
₹12,500
Reward Rate
12000 bonus points on ₹1L monthly; 5X on travel
Welcome Benefit
—
HSBC India
Annual Fee
₹500
Reward Rate
2X reward points per ₹100
Welcome Benefit
—
SBI Card
Annual Fee
₹1,499
Reward Rate
5 reward points per ₹100 on Apollo 24|7, pharmacy, and hospital spends; 1 reward point per ₹100 elsewhere
Welcome Benefit
1-year FITPASS PRO membership + Apollo 24|7 e-Gift Voucher on joining
Side by side
Every fee, reward and benefit in one place — the winning card in each row is marked with a check.
CategoryFeature | Axis Magnus Credit CardVisa · Axis Bank | HSBC Smart Value Credit CardVisa · HSBC India | Apollo SBI Card SELECTVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | HSBC India | SBI Card |
Card | |||
Annual fee | ₹12,500 | ₹500Best | ₹1,499 |
Joining fee | ₹12,500 | ₹500Best | ₹1,499 |
Reward rate | 12000 bonus points on ₹1L monthly; 5X on travel | 2X reward points per ₹100 | 5 reward points per ₹100 on Apollo 24|7, pharmacy, and hospital spends; 1 reward point per ₹100 elsewhereBest |
Welcome benefit | — | — | 1-year FITPASS PRO membership + Apollo 24|7 e-Gift Voucher on joining |
Lifetime free | No | No | No |
Network | Visa | Visa | Visa |
Best for | premium, travel, lounge-access | rewards | healthcare, lifestyle |
Apply |
Axis Bank
12000 bonus points on ₹1L monthly; 5X on travel — Best for premium · travel · lounge-access.
HSBC India
2X reward points per ₹100 — Best for rewards.
SBI Card
1-year FITPASS PRO + Apollo 24|7 e-Gift Voucher
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