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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · HDFC Bank
5 reward points per ₹150 — Best for premium · lounge-access · travel.
Annual fee
₹12,500
Visa · OneCard
Lifetime free. 5X rewards on top spending categories — Best for lifetime-free · app-driven · rewards.
Annual fee
Lifetime free
Visa · Standard Chartered
5% cashback on subscriptions & utilities — Best for bill-payments.
Annual fee
₹1,500
HDFC Bank
Annual Fee
₹12,500
Reward Rate
5 reward points per ₹150
Welcome Benefit
—
OneCard
Annual Fee
Lifetime Free
Reward Rate
5X rewards on top spending categories
Welcome Benefit
—
Standard Chartered
Annual Fee
₹1,500
Reward Rate
5% cashback on subscriptions & utilities
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 Infinia Credit CardMastercard · HDFC Bank | OneCard Metal Credit CardVisa · OneCard | Standard Chartered DigiSmart Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | OneCard | Standard Chartered |
Card | |||
Annual fee | ₹12,500 | Lifetime FreeBest | ₹1,500 |
Joining fee | ₹12,500 | ₹0Best | ₹1,500 |
Reward rate | 5 reward points per ₹150Best | 5X rewards on top spending categories | 5% cashback on subscriptions & utilities |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Mastercard | Visa | Visa |
Best for | premium, lounge-access, travel | lifetime-free, app-driven, rewards | bill-payments |
Apply |
HDFC Bank
5 reward points per ₹150 — Best for premium · lounge-access · travel.
OneCard
Lifetime free. 5X rewards on top spending categories — Best for lifetime-free · app-driven · rewards.
Standard Chartered
5% cashback on subscriptions & utilities — Best for bill-payments.
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