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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. 1 reward point per ₹100 — Best for fuel · bill-payments.
Annual fee
Lifetime free
Mastercard · Kotak Mahindra Bank
Lifetime free. 2X rewards on online spends — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
Visa · OneCard
Lifetime free. 5X rewards on top spending categories — Best for lifetime-free · app-driven · rewards.
Annual fee
Lifetime free
HDFC Bank
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on online 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 | HDFC Bank IRIS Credit CardVisa · HDFC Bank | Kotak MOJO Credit CardMastercard · Kotak Mahindra Bank | OneCard Metal Credit CardVisa · OneCard |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | Kotak Mahindra Bank | OneCard |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | Lifetime Free |
Joining fee | ₹0 | ₹0 | ₹0 |
Reward rate | 1 reward point per ₹100Best | 2X rewards on online spends | 5X rewards on top spending categories |
Welcome benefit | — | — | — |
Lifetime free | Yes | Yes | Yes |
Network | Visa | Mastercard | Visa |
Best for | fuel, bill-payments | online-shopping, lifetime-free | lifetime-free, app-driven, rewards |
Apply |
HDFC Bank
Lifetime free. 1 reward point per ₹100 — Best for fuel · bill-payments.
Kotak Mahindra Bank
Lifetime free. 2X rewards on online spends — Best for online-shopping · lifetime-free.
OneCard
Lifetime free. 5X rewards on top spending categories — Best for lifetime-free · app-driven · rewards.
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