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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
RuPay · HDFC Bank
2X reward points on UPI spends — Best for rewards · upi.
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 · Yes Bank
3X rewards on entertainment & dining — Best for entertainment · dining.
Annual fee
₹500
HDFC Bank
Annual Fee
₹500
Reward Rate
2X reward points on UPI spends
Welcome Benefit
—
OneCard
Annual Fee
Lifetime Free
Reward Rate
5X rewards on top spending categories
Welcome Benefit
—
Yes Bank
Annual Fee
₹500
Reward Rate
3X rewards on entertainment & dining
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 RuPay Credit CardRuPay · HDFC Bank | OneCard Metal Credit CardVisa · OneCard | Yes Bank Marvel Plus Credit CardMastercard · Yes Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | OneCard | Yes Bank |
Card | |||
Annual fee | ₹500 | Lifetime FreeBest | ₹500 |
Joining fee | ₹500 | ₹0Best | ₹500 |
Reward rate | 2X reward points on UPI spends | 5X rewards on top spending categoriesBest | 3X rewards on entertainment & dining |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | RuPay | Visa | Mastercard |
Best for | rewards, upi | lifetime-free, app-driven, rewards | entertainment, dining |
Apply |
HDFC Bank
2X reward points on UPI spends — Best for rewards · upi.
OneCard
Lifetime free. 5X rewards on top spending categories — Best for lifetime-free · app-driven · rewards.
Yes Bank
3X rewards on entertainment & dining — Best for entertainment · dining.
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