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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · Axis Bank
Lifetime free. 2% on bill pays; 1% on others — Best for lifetime-free · cashback · bill-payments.
Annual fee
Lifetime free
Visa · IndusInd Bank
3 reward points per ₹100 — Best for rewards · premium.
Annual fee
₹3,000
Visa · OneCard
Lifetime free. 5X rewards on top categories — Best for lifetime-free · app-driven · rewards.
Annual fee
Lifetime free
Axis Bank
Annual Fee
Lifetime Free
Reward Rate
2% on bill pays; 1% on others
Welcome Benefit
—
IndusInd Bank
Annual Fee
₹3,000
Reward Rate
3 reward points per ₹100
Welcome Benefit
—
OneCard
Annual Fee
Lifetime Free
Reward Rate
5X rewards on top 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 | Axis Ace Credit CardMastercard · Axis Bank | IndusInd Bank Legend Credit CardVisa · IndusInd Bank | OneCard RuPay Credit CardVisa · OneCard |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | IndusInd Bank | OneCard |
Card | |||
Annual fee | Lifetime Free | ₹3,000 | Lifetime Free |
Joining fee | ₹0 | ₹3,000 | ₹0 |
Reward rate | 2% on bill pays; 1% on others | 3 reward points per ₹100Best | 5X rewards on top categories |
Welcome benefit | — | — | — |
Lifetime free | Yes | No | Yes |
Network | Mastercard | Visa | Visa |
Best for | lifetime-free, cashback, bill-payments | rewards, premium | lifetime-free, app-driven, rewards, upi |
Apply |
Axis Bank
Lifetime free. 2% on bill pays; 1% on others — Best for lifetime-free · cashback · bill-payments.
IndusInd Bank
3 reward points per ₹100 — Best for rewards · premium.
OneCard
Lifetime free. 5X rewards on top categories — Best for lifetime-free · app-driven · rewards.
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