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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · HSBC India
Lifetime free. 2X rewards per ₹100 — Best for lifetime-free · rewards.
Annual fee
Lifetime free
Visa · Standard Chartered
5% cashback on subscriptions & utilities — Best for bill-payments.
Annual fee
₹1,500
Visa · Standard Chartered
5x on travel & dining; 1x others — Best for travel · dining · lounge-access.
Annual fee
₹5,000
HSBC India
Annual Fee
Lifetime Free
Reward Rate
2X rewards per ₹100
Welcome Benefit
—
Standard Chartered
Annual Fee
₹1,500
Reward Rate
5% cashback on subscriptions & utilities
Welcome Benefit
—
Standard Chartered
Annual Fee
₹5,000
Reward Rate
5x on travel & dining; 1x others
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 Visa Platinum Credit CardVisa · HSBC India | Standard Chartered DigiSmart Credit CardVisa · Standard Chartered | Standard Chartered Ultimate Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | HSBC India | Standard Chartered | Standard Chartered |
Card | |||
Annual fee | Lifetime FreeBest | ₹1,500 | ₹5,000 |
Joining fee | ₹0Best | ₹1,500 | ₹5,000 |
Reward rate | 2X rewards per ₹100Best | 5% cashback on subscriptions & utilities | 5x on travel & dining; 1x others |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Visa | Visa | Visa |
Best for | lifetime-free, rewards | bill-payments | travel, dining, lounge-access |
Apply |
HSBC India
Lifetime free. 2X rewards per ₹100 — Best for lifetime-free · rewards.
Standard Chartered
5% cashback on subscriptions & utilities — Best for bill-payments.
Standard Chartered
5x on travel & dining; 1x others — Best for travel · dining · lounge-access.
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