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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
Annual fee
₹5,000
Visa · OneCard
Lifetime free. 5X rewards on top spending categories — Best for lifetime-free · app-driven · rewards.
Annual fee
Lifetime free
Mastercard · RBL Bank
2X reward points per ₹100 — Best for rewards.
Annual fee
₹500
IDFC FIRST Bank
Annual Fee
₹5,000
Reward Rate
10X reward points on all spends
Welcome Benefit
—
OneCard
Annual Fee
Lifetime Free
Reward Rate
5X rewards on top spending categories
Welcome Benefit
—
RBL Bank
Annual Fee
₹500
Reward Rate
2X reward points per ₹100
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 | IDFC FIRST Ashva Credit CardMastercard · IDFC FIRST Bank | OneCard Metal Credit CardVisa · OneCard | RBL Bank Platinum Plus Credit CardMastercard · RBL Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | IDFC FIRST Bank | OneCard | RBL Bank |
Card | |||
Annual fee | ₹5,000 | Lifetime FreeBest | ₹500 |
Joining fee | ₹5,000 | ₹0Best | ₹500 |
Reward rate | 10X reward points on all spends | 5X rewards on top spending categories | 2X reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Mastercard | Visa | Mastercard |
Best for | rewards, premium | lifetime-free, app-driven, rewards | rewards |
Apply |
IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
OneCard
Lifetime free. 5X rewards on top spending categories — Best for lifetime-free · app-driven · rewards.
RBL Bank
2X reward points per ₹100 — Best for rewards.
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