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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 · SBI Card
7.5% cashback on Myntra, 5% cashback on Flipkart
Annual fee
₹500
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
₹500
Reward Rate
7.5% cashback on Myntra; 5% cashback on Flipkart; 1% cashback on all other spends
Welcome Benefit
Welcome cashback worth ₹500 on first transaction
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 | Flipkart SBI CardVisa · SBI Card | Uni Pay Credit CardVisa · Uni (SBM Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | HSBC India | SBI Card | Uni (SBM Bank) |
Card | |||
Annual fee | ₹3,000 | ₹500 | Lifetime FreeBest |
Joining fee | ₹3,000 | ₹500 | ₹0Best |
Reward rate | 5X on travel | 7.5% cashback on Myntra; 5% cashback on Flipkart; 1% cashback on all other spendsBest | 2X rewards on UPI |
Welcome benefit | — | Welcome cashback worth ₹500 on first transaction | — |
Lifetime free | No | No | YesBest |
Network | Visa | Visa | Visa |
Best for | travel | flipkart, online-shopping, cashback | upi, cashback, lifetime-free |
Apply |
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