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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · HSBC India
3 reward points per ₹100 — Best for premium · rewards.
Annual fee
₹5,000
Mastercard · ICICI Bank
5X rewards on HPCL fuel spends — Best for fuel.
Annual fee
₹500
Visa · OneCard
Lifetime free. 5X rewards on top spending categories — Best for lifetime-free · app-driven · rewards.
Annual fee
Lifetime free
HSBC India
Annual Fee
₹5,000
Reward Rate
3 reward points per ₹100
Welcome Benefit
—
ICICI Bank
Annual Fee
₹500
Reward Rate
5X rewards on HPCL fuel 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 | HSBC Premier Credit CardVisa · HSBC India | ICICI HPCL Coral Credit CardMastercard · ICICI Bank | OneCard Metal Credit CardVisa · OneCard |
|---|---|---|---|
Card image |  |  |  |
Provider | HSBC India | ICICI Bank | OneCard |
Card | |||
Annual fee | ₹5,000 | ₹500 | Lifetime FreeBest |
Joining fee | ₹5,000 | ₹500 | ₹0Best |
Reward rate | 3 reward points per ₹100Best | 5X rewards on HPCL fuel spends | 5X rewards on top spending categories |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Visa | Mastercard | Visa |
Best for | premium, rewards | fuel | lifetime-free, app-driven, rewards |
Apply |
HSBC India
3 reward points per ₹100 — Best for premium · rewards.
ICICI Bank
5X rewards on HPCL fuel spends — Best for fuel.
OneCard
Lifetime free. 5X rewards on top spending categories — Best for lifetime-free · app-driven · rewards.
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