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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 · Standard Chartered
5% cashback on subscriptions & utilities — Best for bill-payments.
Annual fee
₹1,500
Visa · Yes Bank
12 reward points per ₹200 — Best for premium · rewards.
Annual fee
₹5,000
HSBC India
Annual Fee
₹3,000
Reward Rate
5X on travel
Welcome Benefit
—
Standard Chartered
Annual Fee
₹1,500
Reward Rate
5% cashback on subscriptions & utilities
Welcome Benefit
—
Yes Bank
Annual Fee
₹5,000
Reward Rate
12 reward points per ₹200
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 | Standard Chartered DigiSmart Credit CardVisa · Standard Chartered | Yes Bank YES First Preferred Credit CardVisa · Yes Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | HSBC India | Standard Chartered | Yes Bank |
Card | |||
Annual fee | ₹3,000 | ₹1,500Best | ₹5,000 |
Joining fee | ₹3,000 | ₹1,500Best | ₹5,000 |
Reward rate | 5X on travel | 5% cashback on subscriptions & utilities | 12 reward points per ₹200Best |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Visa | Visa |
Best for | travel | bill-payments | premium, rewards |
Apply |
HSBC India
5X on travel — Best for travel.
Standard Chartered
5% cashback on subscriptions & utilities — Best for bill-payments.
Yes Bank
12 reward points per ₹200 — Best for premium · rewards.
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