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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
2 Travel Credits per ₹200 on travel spends; 1 Travel Credit per ₹200 on other… — Best for .
Annual fee
₹1,499
Visa · SBI Card
10 Reward Points per ₹150 on dining, movies, departmental stores and grocery;… — Best for .
Annual fee
₹499
HSBC India
Annual Fee
₹3,000
Reward Rate
5X on travel
Welcome Benefit
—
SBI Card
Annual Fee
₹1,499
Reward Rate
2 Travel Credits per ₹200 on travel spends; 1 Travel Credit per ₹200 on other spends; Travel Credits can be redeemed for Air Miles / Hotel Points (1 Travel Credit = Re. 1) or for Travel Bookings (1 Travel Credit = ₹0.50)
Welcome Benefit
—
SBI Card
Annual Fee
₹499
Reward Rate
10 Reward Points per ₹150 on dining, movies, departmental stores and grocery; 1 Reward Point per ₹150 on all other spends; 4 Reward Points = Re. 1
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 MILESMastercard · SBI Card | SimplySAVE SBI CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | HSBC India | SBI Card | SBI Card |
Card | |||
Annual fee | ₹3,000 | ₹1,499 | ₹499Best |
Joining fee | ₹3,000 | ₹1,499 | ₹499Best |
Reward rate | 5X on travel | 2 Travel Credits per ₹200 on travel spends; 1 Travel Credit per ₹200 on other spends; Travel Credits can be redeemed for Air Miles / Hotel Points (1 Travel Credit = Re. 1) or for Travel Bookings (1 Travel Credit = ₹0.50) | 10 Reward Points per ₹150 on dining, movies, departmental stores and grocery; 1 Reward Point per ₹150 on all other spends; 4 Reward Points = Re. 1Best |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Mastercard | Visa |
Best for | travel | — | — |
Apply |
HSBC India
5X on travel — Best for travel.
SBI Card
2 Travel Credits per ₹200 on travel spends; 1 Travel Credit per ₹200 on other… — Best for .
SBI Card
10 Reward Points per ₹150 on dining, movies, departmental stores and grocery;… — Best for .
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