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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · HDFC Bank
Lifetime free. 10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; … — Best for .
Annual fee
₹0
Visa · OneCard
Lifetime free. 5X rewards on top spending categories — Best for lifetime-free · app-driven · rewards.
Annual fee
Lifetime free
Mastercard · RBL Bank
5X rewards on travel — Best for travel.
Annual fee
₹3,000
HDFC Bank
Annual Fee
₹0
Reward Rate
10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; 2 Reward Points per ₹200 on other spends
Welcome Benefit
—
OneCard
Annual Fee
Lifetime Free
Reward Rate
5X rewards on top spending categories
Welcome Benefit
—
RBL Bank
Annual Fee
₹3,000
Reward Rate
5X rewards on travel
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 Freedom Credit CardVisa · HDFC Bank | OneCard Metal Credit CardVisa · OneCard | RBL Bank World Safari Credit CardMastercard · RBL Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | OneCard | RBL Bank |
Card | |||
Annual fee | ₹0 | Lifetime Free | ₹3,000 |
Joining fee | ₹1,000 | ₹0Best | ₹3,000 |
Reward rate | 10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; 2 Reward Points per ₹200 on other spendsBest | 5X rewards on top spending categories | 5X rewards on travel |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Visa | Visa | Mastercard |
Best for | — | lifetime-free, app-driven, rewards | travel |
Apply |
HDFC Bank
Lifetime free. 10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; … — Best for .
OneCard
Lifetime free. 5X rewards on top spending categories — Best for lifetime-free · app-driven · rewards.
RBL Bank
5X rewards on travel — Best for travel.
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