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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · HDFC Bank
2 reward points per ₹150 — Best for rewards · everyday.
Annual fee
₹500
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 categories — Best for lifetime-free · app-driven · rewards.
Annual fee
Lifetime free
HDFC Bank
Annual Fee
₹500
Reward Rate
2 reward points per ₹150
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 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 | HDFC Bank Bharat Credit CardMastercard · HDFC Bank | Kotak White Reserve Credit CardVisa · Kotak Mahindra Bank | OneCard RuPay Credit CardVisa · OneCard |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | Kotak Mahindra Bank | OneCard |
Card | |||
Annual fee | ₹500 | ₹3,000 | Lifetime FreeBest |
Joining fee | ₹500 | ₹3,000 | ₹0Best |
Reward rate | 2 reward points per ₹150Best | 4X rewards on selected spends | 5X rewards on top categories |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Mastercard | Visa | Visa |
Best for | rewards, everyday | rewards, premium | lifetime-free, app-driven, rewards, upi |
Apply |
HDFC Bank
2 reward points per ₹150 — Best for rewards · everyday.
Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
OneCard
Lifetime free. 5X rewards on top categories — Best for lifetime-free · app-driven · rewards.
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