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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · HSBC India
2X reward points per ₹100 — Best for rewards.
Annual fee
₹500
Mastercard · ICICI Bank
5X rewards on HPCL fuel spends — Best for fuel.
Annual fee
₹500
Visa · SBI Card
Lowest forex markup of 1.99% + 5% NeuCoins on Tata
Annual fee
₹4,999
HSBC India
Annual Fee
₹500
Reward Rate
2X reward points per ₹100
Welcome Benefit
—
ICICI Bank
Annual Fee
₹500
Reward Rate
5X rewards on HPCL fuel spends
Welcome Benefit
—
SBI Card
Annual Fee
₹4,999
Reward Rate
5% Value Back as NeuCoins on Tata Neu spends; up to 5% extra as NeuCoins via NeuPass; 1.5% NeuCoins on other spends
Welcome Benefit
Welcome NeuCoins worth up to ₹4,999 credited within 15 days of joining fee realization
Side by side
Every fee, reward and benefit in one place — the winning card in each row is marked with a check.
CategoryFeature | HSBC Smart Value Credit CardVisa · HSBC India | ICICI HPCL Coral Credit CardMastercard · ICICI Bank | Tata Neu Infinity SBI CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | HSBC India | ICICI Bank | SBI Card |
Card | |||
Annual fee | ₹500 | ₹500 | ₹4,999 |
Joining fee | ₹500 | ₹500 | ₹4,999 |
Reward rate | 2X reward points per ₹100Best | 5X rewards on HPCL fuel spends | 5% Value Back as NeuCoins on Tata Neu spends; up to 5% extra as NeuCoins via NeuPass; 1.5% NeuCoins on other spends |
Welcome benefit | — | — | Welcome NeuCoins worth up to ₹4,999 credited within 15 days of joining fee realization |
Lifetime free | No | No | No |
Network | Visa | Mastercard | Visa |
Best for | rewards | fuel | online-shopping, premium, travel |
Apply |
HSBC India
2X reward points per ₹100 — Best for rewards.
ICICI Bank
5X rewards on HPCL fuel spends — Best for fuel.
SBI Card
Lowest forex markup of 1.99% + 5% NeuCoins on Tata
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