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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · HSBC India
3 reward points per ₹100 — Best for premium · rewards.
Annual fee
₹5,000
Visa · IDFC FIRST Bank
Lifetime free. 3X on top categories; 1X others — Best for lifetime-free · rewards · lounge-access.
Annual fee
Lifetime free
Visa · SBI Card
10X rewards on partner online brands; 1X on others — Best for online-shopping · rewards.
Annual fee
₹499
HSBC India
Annual Fee
₹5,000
Reward Rate
3 reward points per ₹100
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X on top categories; 1X others
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 | HSBC Premier Credit CardVisa · HSBC India | IDFC FIRST Select Credit CardVisa · IDFC FIRST Bank | SBI SimplyCLICK Credit CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | HSBC India | IDFC FIRST Bank | SBI Card |
Card | |||
Annual fee | ₹5,000 | Lifetime FreeBest | ₹499 |
Joining fee | ₹5,000 | ₹0Best | ₹499 |
Reward rate | 3 reward points per ₹100Best | 3X on top categories; 1X others | 10X rewards on partner online brands; 1X on others |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Visa | Visa | Visa |
Best for | premium, rewards | lifetime-free, rewards, lounge-access | online-shopping, rewards |
Apply |
HSBC India
3 reward points per ₹100 — Best for premium · rewards.
IDFC FIRST Bank
Lifetime free. 3X on top categories; 1X others — Best for lifetime-free · rewards · lounge-access.
SBI Card
10X rewards on partner online brands; 1X on others — Best for online-shopping · rewards.
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