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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Axis Bank
Lifetime free. 5% cashback on Google Pay — Best for bill-payments · cashback.
Annual fee
Lifetime free
Visa · IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
Annual fee
₹1,000
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
5% cashback on Google Pay
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
₹1,000
Reward Rate
3X on online; 2X offline
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 Neo Credit CardVisa · Axis Bank | IDFC FIRST Millennia Credit CardVisa · IDFC FIRST Bank | OneCard RuPay Credit CardVisa · OneCard |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | IDFC FIRST Bank | OneCard |
Card | |||
Annual fee | Lifetime Free | ₹1,000 | Lifetime Free |
Joining fee | ₹0 | ₹1,000 | ₹0 |
Reward rate | 5% cashback on Google Pay | 3X on online; 2X offlineBest | 5X rewards on top categories |
Welcome benefit | — | — | — |
Lifetime free | Yes | No | Yes |
Network | Visa | Visa | Visa |
Best for | bill-payments, cashback | online-shopping, rewards | lifetime-free, app-driven, rewards, upi |
Apply |
Axis Bank
Lifetime free. 5% cashback on Google Pay — Best for bill-payments · cashback.
IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
OneCard
Lifetime free. 5X rewards on top categories — Best for lifetime-free · app-driven · rewards.
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