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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · HDFC Bank
4 reward points per ₹150 — Best for travel · lounge-access · premium.
Annual fee
₹2,500
Visa · HSBC India
3 reward points per ₹100 — Best for premium · rewards.
Annual fee
₹5,000
Visa · SBI Card
7.5% cashback on Myntra, 5% cashback on Flipkart
Annual fee
₹500
HDFC Bank
Annual Fee
₹2,500
Reward Rate
4 reward points per ₹150
Welcome Benefit
—
HSBC India
Annual Fee
₹5,000
Reward Rate
3 reward points per ₹100
Welcome Benefit
—
SBI Card
Annual Fee
₹500
Reward Rate
7.5% cashback on Myntra; 5% cashback on Flipkart; 1% cashback on all other spends
Welcome Benefit
Welcome cashback worth ₹500 on first transaction
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 Regalia Gold Credit CardMastercard · HDFC Bank | HSBC Premier Credit CardVisa · HSBC India | Flipkart SBI CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | HSBC India | SBI Card |
Card | |||
Annual fee | ₹2,500 | ₹5,000 | ₹500Best |
Joining fee | ₹2,500 | ₹5,000 | ₹500Best |
Reward rate | 4 reward points per ₹150Best | 3 reward points per ₹100 | 7.5% cashback on Myntra; 5% cashback on Flipkart; 1% cashback on all other spends |
Welcome benefit | — | — | Welcome cashback worth ₹500 on first transaction |
Lifetime free | No | No | No |
Network | Mastercard | Visa | Visa |
Best for | travel, lounge-access, premium | premium, rewards | flipkart, online-shopping, cashback |
Apply |
HDFC Bank
4 reward points per ₹150 — Best for travel · lounge-access · premium.
HSBC India
3 reward points per ₹100 — Best for premium · rewards.
SBI Card
7.5% cashback on Myntra, 5% cashback on Flipkart
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