We use analytics cookies to understand how visitors interact with our site. By continuing you agree to our use of cookies as described in our Privacy Policy.
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 · SBI Card
2% NeuCoins + annual fee reversal on ₹1L spend
Annual fee
₹1,499
Visa · Standard Chartered
5% cashback on subscriptions & utilities — Best for bill-payments.
Annual fee
₹1,500
HSBC India
Annual Fee
₹5,000
Reward Rate
3 reward points per ₹100
Welcome Benefit
—
SBI Card
Annual Fee
₹1,499
Reward Rate
5% NeuCoins on Tata Neu App / Tata partner spends; 1.5% NeuCoins on other spends
Welcome Benefit
Welcome NeuCoins worth up to ₹1,500 on first 30 days of card activation
Standard Chartered
Annual Fee
₹1,500
Reward Rate
5% cashback on subscriptions & utilities
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 | Tata Neu Plus SBI CardVisa · SBI Card | Standard Chartered DigiSmart Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | HSBC India | SBI Card | Standard Chartered |
Card | |||
Annual fee | ₹5,000 | ₹1,499Best | ₹1,500 |
Joining fee | ₹5,000 | ₹1,499Best | ₹1,500 |
Reward rate | 3 reward points per ₹100Best | 5% NeuCoins on Tata Neu App / Tata partner spends; 1.5% NeuCoins on other spends | 5% cashback on subscriptions & utilities |
Welcome benefit | — | Welcome NeuCoins worth up to ₹1,500 on first 30 days of card activation | — |
Lifetime free | No | No | No |
Network | Visa | Visa | Visa |
Best for | premium, rewards | online-shopping, rewards | bill-payments |
Apply |
HSBC India
3 reward points per ₹100 — Best for premium · rewards.
SBI Card
2% NeuCoins + annual fee reversal on ₹1L spend
Standard Chartered
5% cashback on subscriptions & utilities — Best for bill-payments.
Related Guides
In-depth guides on rewards, lounge access, forex and more.
Related Comparisons
Compare any two cards side-by-side across 140+ issuers.
