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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. 5% NeuCoins on Tata spends — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
Visa · IndusInd Bank
5 reward points per ₹100 — Best for premium.
Annual fee
₹12,500
HSBC India
Annual Fee
₹500
Reward Rate
2X reward points per ₹100
Welcome Benefit
—
ICICI Bank
Annual Fee
Lifetime Free
Reward Rate
5% NeuCoins on Tata spends
Welcome Benefit
—
IndusInd Bank
Annual Fee
₹12,500
Reward Rate
5 reward points per ₹100
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 Smart Value Credit CardVisa · HSBC India | ICICI Bank Tata Neu Credit CardVisa · ICICI Bank | IndusInd Bank Pinnacle Credit CardVisa · IndusInd Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | HSBC India | ICICI Bank | IndusInd Bank |
Card | |||
Annual fee | ₹500 | Lifetime FreeBest | ₹12,500 |
Joining fee | ₹500 | ₹0Best | ₹12,500 |
Reward rate | 2X reward points per ₹100 | 5% NeuCoins on Tata spends | 5 reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Visa | Visa | Visa |
Best for | rewards | online-shopping, lifetime-free | premium |
Apply |
HSBC India
2X reward points per ₹100 — Best for rewards.
ICICI Bank
Lifetime free. 5% NeuCoins on Tata spends — Best for online-shopping · lifetime-free.
IndusInd Bank
5 reward points per ₹100 — Best for premium.
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