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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · HDFC Bank
5X rewards on Amazon/Flipkart/Myntra; 1X on others — Best for online-shopping · cashback.
Annual fee
₹1,000
Visa · OneCard
Lifetime free. 5X rewards on top spending categories — Best for lifetime-free · app-driven · rewards.
Annual fee
Lifetime free
Visa · SBI Card
5X rewards on medical — Best for healthcare.
Annual fee
₹1,500
HDFC Bank
Annual Fee
₹1,000
Reward Rate
5X rewards on Amazon/Flipkart/Myntra; 1X on others
Welcome Benefit
—
OneCard
Annual Fee
Lifetime Free
Reward Rate
5X rewards on top spending categories
Welcome Benefit
—
SBI Card
Annual Fee
₹1,500
Reward Rate
5X rewards on medical
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 Millennia Credit CardVisa · HDFC Bank | OneCard Metal Credit CardVisa · OneCard | SBI Doctor's Credit CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | OneCard | SBI Card |
Card | |||
Annual fee | ₹1,000 | Lifetime FreeBest | ₹1,500 |
Joining fee | ₹1,000 | ₹0Best | ₹1,500 |
Reward rate | 5X rewards on Amazon/Flipkart/Myntra; 1X on othersBest | 5X rewards on top spending categories | 5X rewards on medical |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Visa | Visa | Visa |
Best for | online-shopping, cashback | lifetime-free, app-driven, rewards | healthcare |
Apply |
HDFC Bank
5X rewards on Amazon/Flipkart/Myntra; 1X on others — Best for online-shopping · cashback.
OneCard
Lifetime free. 5X rewards on top spending categories — Best for lifetime-free · app-driven · rewards.
SBI Card
5X rewards on medical — Best for healthcare.
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