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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
Mastercard · RBL Bank
5X reward points on all spends — Best for premium · rewards.
Annual fee
₹10,000
Visa · Uni (SBM Bank)
Lifetime free. 2X rewards on UPI — Best for upi · cashback · lifetime-free.
Annual fee
Lifetime free
HSBC India
Annual Fee
₹5,000
Reward Rate
3 reward points per ₹100
Welcome Benefit
—
RBL Bank
Annual Fee
₹10,000
Reward Rate
5X reward points on all spends
Welcome Benefit
—
Uni (SBM Bank)
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
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 | RBL Bank Infinite Credit CardMastercard · RBL Bank | Uni Pay Credit CardVisa · Uni (SBM Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | HSBC India | RBL Bank | Uni (SBM Bank) |
Card | |||
Annual fee | ₹5,000 | ₹10,000 | Lifetime FreeBest |
Joining fee | ₹5,000 | ₹10,000 | ₹0Best |
Reward rate | 3 reward points per ₹100Best | 5X reward points on all spends | 2X rewards on UPI |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Visa | Mastercard | Visa |
Best for | premium, rewards | premium, rewards | upi, cashback, lifetime-free |
Apply |
HSBC India
3 reward points per ₹100 — Best for premium · rewards.
RBL Bank
5X reward points on all spends — Best for premium · rewards.
Uni (SBM Bank)
Lifetime free. 2X rewards on UPI — Best for upi · cashback · lifetime-free.
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