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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
Visa · ICICI Bank
Lifetime free. MMT Black membership; rewards on MMT — Best for travel · hotels.
Annual fee
Lifetime free
Visa · SBI Card
Welcome gift of 2,500 IndiGo BluChips
Annual fee
Lifetime free
HSBC India
Annual Fee
₹500
Reward Rate
2X reward points per ₹100
Welcome Benefit
—
ICICI Bank
Annual Fee
Lifetime Free
Reward Rate
MMT Black membership; rewards on MMT
Welcome Benefit
—
SBI Card
Annual Fee
Lifetime Free
Reward Rate
2 IndiGo BluChips per ₹100 on IndiGo transactions; 1 BluChip per ₹100 on other spends
Welcome Benefit
Welcome gift of up to 2,500 IndiGo BluChips on joining
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 MakeMyTrip Credit CardVisa · ICICI Bank | IndiGo SBI CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | HSBC India | ICICI Bank | SBI Card |
Card | |||
Annual fee | ₹500 | Lifetime Free | Lifetime Free |
Joining fee | ₹500 | ₹0 | ₹0 |
Reward rate | 2X reward points per ₹100 | MMT Black membership; rewards on MMT | 2 IndiGo BluChips per ₹100 on IndiGo transactions; 1 BluChip per ₹100 on other spendsBest |
Welcome benefit | — | — | Welcome gift of up to 2,500 IndiGo BluChips on joining |
Lifetime free | No | Yes | Yes |
Network | Visa | Visa | Visa |
Best for | rewards | travel, hotels | airlines, travel |
Apply |
HSBC India
2X reward points per ₹100 — Best for rewards.
ICICI Bank
Lifetime free. MMT Black membership; rewards on MMT — Best for travel · hotels.
SBI Card
Welcome gift of 2,500 IndiGo BluChips
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