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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · HDFC Bank
5 reward points per ₹150 — Best for premium · lounge-access · travel.
Annual fee
₹12,500
Visa · HSBC India
Lifetime free. 2X rewards per ₹100 — Best for lifetime-free · rewards.
Annual fee
Lifetime free
Visa · SBI Card
10X rewards on partner online brands; 1X on others — Best for online-shopping · rewards.
Annual fee
₹499
HDFC Bank
Annual Fee
₹12,500
Reward Rate
5 reward points per ₹150
Welcome Benefit
—
HSBC India
Annual Fee
Lifetime Free
Reward Rate
2X rewards per ₹100
Welcome Benefit
—
SBI Card
Annual Fee
₹499
Reward Rate
10X rewards on partner online brands; 1X on others
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 | HDFC Infinia Credit CardMastercard · HDFC Bank | HSBC Visa Platinum Credit CardVisa · HSBC India | SBI SimplyCLICK Credit CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | HSBC India | SBI Card |
Card | |||
Annual fee | ₹12,500 | Lifetime FreeBest | ₹499 |
Joining fee | ₹12,500 | ₹0Best | ₹499 |
Reward rate | 5 reward points per ₹150Best | 2X rewards per ₹100 | 10X rewards on partner online brands; 1X on others |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Mastercard | Visa | Visa |
Best for | premium, lounge-access, travel | lifetime-free, rewards | online-shopping, rewards |
Apply |
HDFC Bank
5 reward points per ₹150 — Best for premium · lounge-access · travel.
HSBC India
Lifetime free. 2X rewards per ₹100 — Best for lifetime-free · rewards.
SBI Card
10X rewards on partner online brands; 1X on others — Best for online-shopping · rewards.
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