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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 PayZapp — Best for online-shopping · cashback.
Annual fee
₹500
Visa · OneCard
Lifetime free. 5X rewards on top spending categories — Best for lifetime-free · app-driven · rewards.
Annual fee
Lifetime free
Mastercard · SBI Card
5% cashback on top online brands; 1% on others — Best for cashback · online-shopping.
Annual fee
₹999
HDFC Bank
Annual Fee
₹500
Reward Rate
5X rewards on PayZapp
Welcome Benefit
—
OneCard
Annual Fee
Lifetime Free
Reward Rate
5X rewards on top spending categories
Welcome Benefit
—
SBI Card
Annual Fee
₹999
Reward Rate
5% cashback on top online brands; 1% on others
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 PayZapp Credit CardVisa · HDFC Bank | OneCard Metal Credit CardVisa · OneCard | SBI Cashback Credit CardMastercard · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | OneCard | SBI Card |
Card | |||
Annual fee | ₹500 | Lifetime FreeBest | ₹999 |
Joining fee | ₹500 | ₹0Best | ₹999 |
Reward rate | 5X rewards on PayZapp | 5X rewards on top spending categories | 5% cashback on top online brands; 1% on othersBest |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Visa | Visa | Mastercard |
Best for | online-shopping, cashback | lifetime-free, app-driven, rewards | cashback, online-shopping |
Apply |
HDFC Bank
5X rewards on PayZapp — Best for online-shopping · cashback.
OneCard
Lifetime free. 5X rewards on top spending categories — Best for lifetime-free · app-driven · rewards.
SBI Card
5% cashback on top online brands; 1% on others — Best for cashback · online-shopping.
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