SBI ELITE vs HSBC Cashback Card vs Canara RuPay Select
Side-by-side credit card comparison to help you choose the best one.
Our Pick
SBI ELITE
4.6
Why this card wins: Premium Lifestyle — 2X reward points on dining, movies & grocery
| Feature | SBI ELITE | HSBC Cashback Card | Canara RuPay Select |
|---|---|---|---|
| Bank | SBI | HSBC India | Canara Bank |
| Card Type | Super Premium | Cashback | Entry Level |
| Annual Fee | ₹4,999 + GST | ₹750 + GST | ₹500 + GST |
| Joining Fee | ₹4,999 + GST | ₹750 + GST | ₹500 + GST |
| Rewards | 2X reward points on dining, movies & grocery | 1.5% unlimited cashback on all spends | 1 reward point per ₹100 spent |
| Best For | Premium Lifestyle | Pure Cashback | Budget Users |
| Interest Rate | 3.35% per month (40.20% p.a.) | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹3,00,000 - ₹15,00,000 | ₹50,000 - ₹5,00,000 | ₹25,000 - ₹2,00,000 |
| Welcome Benefit | 5000 bonus reward points | ₹750 cashback on first ₹7,500 spend | None |
| Min Income | ₹60,000/month | ₹25,000/month | ₹12,000/month |
| Lounge Access | Unlimited domestic + 6 international per year | 2 domestic per year | None |
| Fuel Surcharge Waiver | 1% waiver on ₹500-₹3,000 txns | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹4,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free | Free |
| Rating | 4.6 | 4.4 | 3.8 |
| Contactless | |||
| EMI Conversion |
Key Features
Our Pick
SBI ELITE
Premium Lifestyle
Mastercard • Super Premium
- Complimentary Trident Privilege membership
- Unlimited domestic lounge visits
- Buy 1 Get 1 on BookMyShow
- Annual fee reversal on ₹10L spend
HSBC Cashback Card
Pure Cashback
Visa • Cashback
- No merchant category restrictions
- Cashback auto-credited to statement
- Global acceptance — accepted in 200+ countries
- Fee waiver on ₹1L annual spend
Canara RuPay Select
Budget Users
RuPay • Entry Level
- RuPay UPI linkage supported
- Fuel surcharge waiver up to ₹100/month
- Personal accident insurance ₹5 Lakh
- Easy EMI conversion available
Verdict
Based on rating and overall value, SBI ELITE ranks highest among your selected cards. It excels at Premium Lifestyle and offers 2X reward points on dining, movies & grocery.