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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Axis Bank
15 EDGE Reward Points per Rs 200 (effective 6% back via 5:4 redemption) — Best for .
Annual fee
₹50,000
Mastercard · ICICI Bank
Lifetime free. 2X rewards on dining & lifestyle — Best for dining · lifestyle.
Annual fee
Lifetime free
Visa · OneCard
Lifetime free. 5X rewards on top categories — Best for lifetime-free · app-driven · rewards.
Annual fee
Lifetime free
Axis Bank
Annual Fee
₹50,000
Reward Rate
15 EDGE Reward Points per Rs 200 (effective 6% back via 5:4 redemption)
Welcome Benefit
—
ICICI Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on dining & lifestyle
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 Bank Burgundy Private Credit Card (The One Card)Visa · Axis Bank | ICICI Bank Femina Credit CardMastercard · ICICI Bank | OneCard RuPay Credit CardVisa · OneCard |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | ICICI Bank | OneCard |
Card | |||
Annual fee | ₹50,000 | Lifetime Free | Lifetime Free |
Joining fee | ₹50,000 | ₹0 | ₹0 |
Reward rate | 15 EDGE Reward Points per Rs 200 (effective 6% back via 5:4 redemption)Best | 2X rewards on dining & lifestyle | 5X rewards on top categories |
Welcome benefit | — | — | — |
Lifetime free | No | Yes | Yes |
Network | Visa | Mastercard | Visa |
Best for | — | dining, lifestyle | lifetime-free, app-driven, rewards, upi |
Apply |
Axis Bank
15 EDGE Reward Points per Rs 200 (effective 6% back via 5:4 redemption) — Best for .
ICICI Bank
Lifetime free. 2X rewards on dining & lifestyle — Best for dining · lifestyle.
OneCard
Lifetime free. 5X rewards on top categories — Best for lifetime-free · app-driven · rewards.
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