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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
RuPay · Federal Bank
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
Annual fee
Lifetime free
Visa · Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
Annual fee
₹3,000
Visa · OneCard
Lifetime free. 5X rewards on top spending categories — Best for lifetime-free · app-driven · rewards.
Annual fee
Lifetime free
Federal Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
₹3,000
Reward Rate
4X rewards on selected spends
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 | Federal Bank RuPay Credit CardRuPay · Federal Bank | Kotak White Reserve Credit CardVisa · Kotak Mahindra Bank | OneCard Metal Credit CardVisa · OneCard |
|---|---|---|---|
Card image |  |  |  |
Provider | Federal Bank | Kotak Mahindra Bank | OneCard |
Card | |||
Annual fee | Lifetime Free | ₹3,000 | Lifetime Free |
Joining fee | ₹0 | ₹3,000 | ₹0 |
Reward rate | 2X rewards on UPI | 4X rewards on selected spends | 5X rewards on top spending categoriesBest |
Welcome benefit | — | — | — |
Lifetime free | Yes | No | Yes |
Network | RuPay | Visa | Visa |
Best for | rewards, upi, lifetime-free | rewards, premium | lifetime-free, app-driven, rewards |
Apply |
Federal Bank
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
OneCard
Lifetime free. 5X rewards on top spending categories — Best for lifetime-free · app-driven · rewards.
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