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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 rewards + wealth benefits — Best for lifetime-free · rewards · premium.
Annual fee
Lifetime free
Visa · SBI Card
5X rewards on medical — Best for healthcare.
Annual fee
₹1,500
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 rewards + wealth benefits
Welcome Benefit
—
SBI Card
Annual Fee
₹1,500
Reward Rate
5X rewards on medical
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 Wealth Credit CardVisa · IDFC FIRST Bank | SBI Doctor's Credit CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | HSBC India | IDFC FIRST Bank | SBI Card |
Card | |||
Annual fee | ₹5,000 | Lifetime FreeBest | ₹1,500 |
Joining fee | ₹5,000 | ₹0Best | ₹1,500 |
Reward rate | 3 reward points per ₹100Best | 3X rewards + wealth benefits | 5X rewards on medical |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Visa | Visa | Visa |
Best for | premium, rewards | lifetime-free, rewards, premium | healthcare |
Apply |
HSBC India
3 reward points per ₹100 — Best for premium · rewards.
IDFC FIRST Bank
Lifetime free. 3X rewards + wealth benefits — Best for lifetime-free · rewards · premium.
SBI Card
5X rewards on medical — Best for healthcare.
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