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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
Mastercard · SBI Card
6 Travel Credits for every ₹200 spent on travel; 2 Travel Credits for every ₹… — Best for .
Annual fee
₹4,999
Visa · Uni (SBM Bank)
Lifetime free. 2X rewards on UPI — Best for upi · cashback · lifetime-free.
Annual fee
Lifetime free
HSBC India
Annual Fee
₹3,000
Reward Rate
5X on travel
Welcome Benefit
—
SBI Card
Annual Fee
₹4,999
Reward Rate
6 Travel Credits for every ₹200 spent on travel; 2 Travel Credits for every ₹200 on all other spends; Travel Credits convertible to Air Miles / Hotel Points (1 TC = Re. 1) or used for Travel Bookings (1 TC = ₹0.50)
Welcome Benefit
—
Uni (SBM Bank)
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
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 | SBI Card MILES ELITEMastercard · SBI Card | Uni Pay Credit CardVisa · Uni (SBM Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | HSBC India | SBI Card | Uni (SBM Bank) |
Card | |||
Annual fee | ₹3,000 | ₹4,999 | Lifetime FreeBest |
Joining fee | ₹3,000 | ₹4,999 | ₹0Best |
Reward rate | 5X on travel | 6 Travel Credits for every ₹200 spent on travel; 2 Travel Credits for every ₹200 on all other spends; Travel Credits convertible to Air Miles / Hotel Points (1 TC = Re. 1) or used for Travel Bookings (1 TC = ₹0.50)Best | 2X rewards on UPI |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Visa | Mastercard | Visa |
Best for | travel | — | upi, cashback, lifetime-free |
Apply |
HSBC India
5X on travel — Best for travel.
SBI Card
6 Travel Credits for every ₹200 spent on travel; 2 Travel Credits for every ₹… — Best for .
Uni (SBM Bank)
Lifetime free. 2X rewards on UPI — Best for upi · cashback · lifetime-free.
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