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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
Lowest forex markup of 1.99% + 5% NeuCoins on Tata
Annual fee
₹4,999
Visa · Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · 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
5% Value Back as NeuCoins on Tata Neu spends; up to 5% extra as NeuCoins via NeuPass; 1.5% NeuCoins on other spends
Welcome Benefit
Welcome NeuCoins worth up to ₹4,999 credited within 15 days of joining fee realization
Uni (SBM Bank)
Annual Fee
Lifetime Free
Reward Rate
1.5X rewards on all spends
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 | Tata Neu Infinity SBI CardVisa · SBI Card | Uni 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 | 5% Value Back as NeuCoins on Tata Neu spends; up to 5% extra as NeuCoins via NeuPass; 1.5% NeuCoins on other spendsBest | 1.5X rewards on all spends |
Welcome benefit | — | Welcome NeuCoins worth up to ₹4,999 credited within 15 days of joining fee realization | — |
Lifetime free | No | No | YesBest |
Network | Visa | Visa | Visa |
Best for | travel | online-shopping, premium, travel | rewards, lifetime-free |
Apply |
HSBC India
5X on travel — Best for travel.
SBI Card
Lowest forex markup of 1.99% + 5% NeuCoins on Tata
Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
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