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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
RuPay · Federal Bank
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
Annual fee
Lifetime free
Visa · HSBC India
3 reward points per ₹100 — Best for premium · rewards.
Annual fee
₹5,000
Visa · SBI Card
2 reward points per ₹100 — Best for rewards.
Annual fee
₹500
Federal Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
Welcome Benefit
—
HSBC India
Annual Fee
₹5,000
Reward Rate
3 reward points per ₹100
Welcome Benefit
—
SBI Card
Annual Fee
₹500
Reward Rate
2 reward points per ₹100
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 | Federal Bank RuPay Credit CardRuPay · Federal Bank | HSBC Premier Credit CardVisa · HSBC India | SBI ApL Platinum Credit CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | Federal Bank | HSBC India | SBI Card |
Card | |||
Annual fee | Lifetime FreeBest | ₹5,000 | ₹500 |
Joining fee | ₹0Best | ₹5,000 | ₹500 |
Reward rate | 2X rewards on UPI | 3 reward points per ₹100Best | 2 reward points per ₹100 |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | RuPay | Visa | Visa |
Best for | rewards, upi, lifetime-free | premium, rewards | rewards |
Apply |
Federal Bank
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
HSBC India
3 reward points per ₹100 — Best for premium · rewards.
SBI Card
2 reward points per ₹100 — Best for rewards.
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