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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 categories — Best for lifetime-free · app-driven · rewards.
Annual fee
Lifetime free
Visa · SBI Card
5X reward points on BPCL fuel — Best for fuel.
Annual fee
₹1,499
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 categories
Welcome Benefit
—
SBI Card
Annual Fee
₹1,499
Reward Rate
5X reward points on BPCL fuel
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 RuPay Credit CardVisa · OneCard | SBI BPCL Credit CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | IDFC FIRST Bank | OneCard | SBI Card |
Card | |||
Annual fee | ₹5,000 | Lifetime FreeBest | ₹1,499 |
Joining fee | ₹5,000 | ₹0Best | ₹1,499 |
Reward rate | 10X reward points on all spendsBest | 5X rewards on top categories | 5X reward points on BPCL fuel |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Mastercard | Visa | Visa |
Best for | rewards, premium | lifetime-free, app-driven, rewards, upi | fuel |
Apply |
IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
OneCard
Lifetime free. 5X rewards on top categories — Best for lifetime-free · app-driven · rewards.
SBI Card
5X reward points on BPCL fuel — Best for fuel.
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