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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 · Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
Annual fee
₹3,000
Visa · SBI Card
1-year FITPASS PRO + Apollo 24|7 e-Gift Voucher
Annual fee
₹1,499
HSBC India
Annual Fee
₹3,000
Reward Rate
5X on travel
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
₹3,000
Reward Rate
4X rewards on selected spends
Welcome Benefit
—
SBI Card
Annual Fee
₹1,499
Reward Rate
5 reward points per ₹100 on Apollo 24|7, pharmacy, and hospital spends; 1 reward point per ₹100 elsewhere
Welcome Benefit
1-year FITPASS PRO membership + Apollo 24|7 e-Gift Voucher 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 TravelOne Credit CardVisa · HSBC India | Kotak White Reserve Credit CardVisa · Kotak Mahindra Bank | Apollo SBI Card SELECTVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | HSBC India | Kotak Mahindra Bank | SBI Card |
Card | |||
Annual fee | ₹3,000 | ₹3,000 | ₹1,499Best |
Joining fee | ₹3,000 | ₹3,000 | ₹1,499Best |
Reward rate | 5X on travel | 4X rewards on selected spends | 5 reward points per ₹100 on Apollo 24|7, pharmacy, and hospital spends; 1 reward point per ₹100 elsewhereBest |
Welcome benefit | — | — | 1-year FITPASS PRO membership + Apollo 24|7 e-Gift Voucher on joining |
Lifetime free | No | No | No |
Network | Visa | Visa | Visa |
Best for | travel | rewards, premium | healthcare, lifestyle |
Apply |
HSBC India
5X on travel — Best for travel.
Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
SBI Card
1-year FITPASS PRO + Apollo 24|7 e-Gift Voucher
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