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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · HDFC Bank
4 reward points per ₹150 — Best for travel · lounge-access · premium.
Annual fee
₹2,500
Visa · OneCard
Lifetime free. 5X rewards on top spending categories — Best for lifetime-free · app-driven · rewards.
Annual fee
Lifetime free
Visa · Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
Annual fee
Lifetime free
HDFC Bank
Annual Fee
₹2,500
Reward Rate
4 reward points per ₹150
Welcome Benefit
—
OneCard
Annual Fee
Lifetime Free
Reward Rate
5X rewards on top spending categories
Welcome Benefit
—
Uni (SBM Bank)
Annual Fee
Lifetime Free
Reward Rate
1.5X rewards on all spends
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 Regalia Gold Credit CardMastercard · HDFC Bank | OneCard Metal Credit CardVisa · OneCard | Uni Credit CardVisa · Uni (SBM Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | OneCard | Uni (SBM Bank) |
Card | |||
Annual fee | ₹2,500 | Lifetime Free | Lifetime Free |
Joining fee | ₹2,500 | ₹0 | ₹0 |
Reward rate | 4 reward points per ₹150Best | 5X rewards on top spending categories | 1.5X rewards on all spends |
Welcome benefit | — | — | — |
Lifetime free | No | Yes | Yes |
Network | Mastercard | Visa | Visa |
Best for | travel, lounge-access, premium | lifetime-free, app-driven, rewards | rewards, lifetime-free |
Apply |
HDFC Bank
4 reward points per ₹150 — Best for travel · lounge-access · premium.
OneCard
Lifetime free. 5X rewards on top spending categories — Best for lifetime-free · app-driven · rewards.
Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
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