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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · HDFC Bank
5X rewards on Amazon/Flipkart/Myntra; 1X on others — Best for online-shopping · cashback.
Annual fee
₹1,000
Visa · HSBC India
Lifetime free. 2X rewards per ₹100 — Best for lifetime-free · rewards.
Annual fee
Lifetime free
Mastercard · SBI Card
5 reward points per ₹100 — Best for rewards · premium.
Annual fee
₹2,999
HDFC Bank
Annual Fee
₹1,000
Reward Rate
5X rewards on Amazon/Flipkart/Myntra; 1X on others
Welcome Benefit
—
HSBC India
Annual Fee
Lifetime Free
Reward Rate
2X rewards per ₹100
Welcome Benefit
—
SBI Card
Annual Fee
₹2,999
Reward Rate
5 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 | HDFC Bank Millennia Credit CardVisa · HDFC Bank | HSBC Visa Platinum Credit CardVisa · HSBC India | SBI Card PRIMEMastercard · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | HSBC India | SBI Card |
Card | |||
Annual fee | ₹1,000 | Lifetime FreeBest | ₹2,999 |
Joining fee | ₹1,000 | ₹0Best | ₹2,999 |
Reward rate | 5X rewards on Amazon/Flipkart/Myntra; 1X on others | 2X rewards per ₹100 | 5 reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Visa | Visa | Mastercard |
Best for | online-shopping, cashback | lifetime-free, rewards | rewards, premium |
Apply |
HDFC Bank
5X rewards on Amazon/Flipkart/Myntra; 1X on others — Best for online-shopping · cashback.
HSBC India
Lifetime free. 2X rewards per ₹100 — Best for lifetime-free · rewards.
SBI Card
5 reward points per ₹100 — Best for rewards · premium.
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