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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · HSBC India
5X on travel — Best for travel.
Annual fee
₹3,000
Visa · IDFC FIRST Bank
Lifetime free. 3X reward points on all spends — Best for lifetime-free · rewards · beginners.
Annual fee
Lifetime free
Visa · SBI Card
5% Value Back as NeuCoins on non-EMI spends at the Tata Neu App / Website and… — Best for .
Annual fee
₹1,499
HSBC India
Annual Fee
₹3,000
Reward Rate
5X on travel
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X reward points on all spends
Welcome Benefit
—
SBI Card
Annual Fee
₹1,499
Reward Rate
5% Value Back as NeuCoins on non-EMI spends at the Tata Neu App / Website and partner Tata brands; up to 5% extra Value Back as NeuCoins on select category spends (NeuPass); 1.5% Value Back as NeuCoins on other spends, including UPI transactions (on the RuPay variant); NeuCoins auto-credited to cardholder's NeuPass account within 7 working days of monthly statement cycle
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 TravelOne Credit CardVisa · HSBC India | IDFC FIRST Classic Credit CardVisa · IDFC FIRST Bank | Tata Neu Infinity SBI CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | HSBC India | IDFC FIRST Bank | SBI Card |
Card | |||
Annual fee | ₹3,000 | Lifetime FreeBest | ₹1,499 |
Joining fee | ₹3,000 | ₹0Best | ₹1,499 |
Reward rate | 5X on travel | 3X reward points on all spends | 5% Value Back as NeuCoins on non-EMI spends at the Tata Neu App / Website and partner Tata brands; up to 5% extra Value Back as NeuCoins on select category spends (NeuPass); 1.5% Value Back as NeuCoins on other spends, including UPI transactions (on the RuPay variant); NeuCoins auto-credited to cardholder's NeuPass account within 7 working days of monthly statement cycleBest |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Visa | Visa | Visa |
Best for | travel | lifetime-free, rewards, beginners | — |
Apply |
HSBC India
5X on travel — Best for travel.
IDFC FIRST Bank
Lifetime free. 3X reward points on all spends — Best for lifetime-free · rewards · beginners.
SBI Card
5% Value Back as NeuCoins on non-EMI spends at the Tata Neu App / Website and… — Best for .
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