HSBC Premier Credit Card vs SBI Cashback Credit Card
A side-by-side breakdown of fees, rewards, lounge access and benefits — so you can pick the right card for your spending.
HSBC Premier Credit Card wins 4 of 12 categories
Across rewards, fees and benefits, HSBC Premier Credit Card edges ahead. But the best card for you depends on how you spend — check the detailed breakdown below.
Head-to-head comparison
Overview
Expert Score
86/100
88/100
Bank
HSBC
SBI Card
Network
Mastercard
Visa
Reward Rate
3%
5%
Fees & Charges
Joining Fee
₹12,000
₹999
Annual Fee
₹20,000
₹999
Forex Markup
0.99%
3.5%
Finance Charges
2.99% per month
3.75% per month
Rewards
Value per Point
—
—
Value Back
5%
Benefits
Domestic Lounge
International Lounge
Dining
Golf
Concierge
Insurance
Travel
Fuel Waiver
Movie Benefits
Pick HSBC Premier Credit Card if…
- You want better domestic lounge
- You want better international lounge
- You want better insurance
- You want better travel
Pick SBI Cashback Credit Card if…
- You want better expert score
- You want better joining fee
- You want better annual fee
Frequently asked questions
Which has a better expert score, HSBC Premier Credit Card or SBI Cashback Credit Card?+
SBI Cashback Credit Card scores higher at 88/100, compared to 86/100 for the other.
Which card has lower fees?+
HSBC Premier Credit Card costs ₹12,000 to join and ₹20,000 annually. SBI Cashback Credit Card costs ₹999 to join and ₹999 annually.
Which card should I pick?+
HSBC Premier Credit Card wins more categories overall in our breakdown. That said, the right choice depends on what you actually spend on — review the head-to-head table above and pick the one that matches your usage.