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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · AU Small Finance Bank
Lifetime free. 5X on top merchants; 2X on others — Best for lifetime-free · rewards.
Annual fee
Lifetime free
Mastercard · DBS Bank India
Lifetime free. 5X on online & 2X offline — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
Visa · OneCard
Lifetime free. 5X rewards on top spending categories — Best for lifetime-free · app-driven · rewards.
Annual fee
Lifetime free
AU Small Finance Bank
Annual Fee
Lifetime Free
Reward Rate
5X on top merchants; 2X on others
Welcome Benefit
—
DBS Bank India
Annual Fee
Lifetime Free
Reward Rate
5X on online & 2X offline
Welcome Benefit
—
OneCard
Annual Fee
Lifetime Free
Reward Rate
5X rewards on top spending categories
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 | AU LifeTime Free Credit CardVisa · AU Small Finance Bank | DBS Live Fresh Credit CardMastercard · DBS Bank India | OneCard Metal Credit CardVisa · OneCard |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | DBS Bank India | OneCard |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | Lifetime Free |
Joining fee | ₹0 | ₹0 | ₹0 |
Reward rate | 5X on top merchants; 2X on others | 5X on online & 2X offline | 5X rewards on top spending categories |
Welcome benefit | — | — | — |
Lifetime free | Yes | Yes | Yes |
Network | Visa | Mastercard | Visa |
Best for | lifetime-free, rewards | online-shopping, lifetime-free | lifetime-free, app-driven, rewards |
Apply |
AU Small Finance Bank
Lifetime free. 5X on top merchants; 2X on others — Best for lifetime-free · rewards.
DBS Bank India
Lifetime free. 5X on online & 2X offline — Best for online-shopping · lifetime-free.
OneCard
Lifetime free. 5X rewards on top spending categories — Best for lifetime-free · app-driven · rewards.
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