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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Federal Bank
2 reward points per ₹100 — Best for rewards.
Annual fee
₹1,500
Visa · HSBC India
3 reward points per ₹100 — Best for premium · rewards.
Annual fee
₹5,000
Visa · OneCard
Lifetime free. 5X rewards on top categories — Best for lifetime-free · app-driven · rewards.
Annual fee
Lifetime free
Federal Bank
Annual Fee
₹1,500
Reward Rate
2 reward points per ₹100
Welcome Benefit
—
HSBC India
Annual Fee
₹5,000
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 | Federal Bank Visa Signature Credit CardVisa · Federal Bank | HSBC Premier Credit CardVisa · HSBC India | OneCard RuPay Credit CardVisa · OneCard |
|---|---|---|---|
Card image |  |  |  |
Provider | Federal Bank | HSBC India | OneCard |
Card | |||
Annual fee | ₹1,500 | ₹5,000 | Lifetime FreeBest |
Joining fee | ₹1,500 | ₹5,000 | ₹0Best |
Reward rate | 2 reward points per ₹100 | 3 reward points per ₹100Best | 5X rewards on top categories |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Visa | Visa | Visa |
Best for | rewards | premium, rewards | lifetime-free, app-driven, rewards, upi |
Apply |
Federal Bank
2 reward points per ₹100 — Best for rewards.
HSBC India
3 reward points per ₹100 — Best for premium · rewards.
OneCard
Lifetime free. 5X rewards on top categories — Best for lifetime-free · app-driven · rewards.
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