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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · IDFC FIRST Bank
Lifetime free. 3X reward points on all spends — Best for lifetime-free · rewards · beginners.
Annual fee
Lifetime free
Visa · IndusInd Bank
5 reward points per ₹100 — Best for premium.
Annual fee
₹12,500
Visa · OneCard
Lifetime free. 5X rewards on top categories — Best for lifetime-free · app-driven · rewards.
Annual fee
Lifetime free
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X reward points on all spends
Welcome Benefit
—
IndusInd Bank
Annual Fee
₹12,500
Reward Rate
5 reward points per ₹100
Welcome Benefit
—
OneCard
Annual Fee
Lifetime Free
Reward Rate
5X rewards on top 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 | IDFC FIRST Classic Credit CardVisa · IDFC FIRST Bank | IndusInd Bank Pinnacle Credit CardVisa · IndusInd Bank | OneCard RuPay Credit CardVisa · OneCard |
|---|---|---|---|
Card image |  |  |  |
Provider | IDFC FIRST Bank | IndusInd Bank | OneCard |
Card | |||
Annual fee | Lifetime Free | ₹12,500 | Lifetime Free |
Joining fee | ₹0 | ₹12,500 | ₹0 |
Reward rate | 3X reward points on all spends | 5 reward points per ₹100Best | 5X rewards on top categories |
Welcome benefit | — | — | — |
Lifetime free | Yes | No | Yes |
Network | Visa | Visa | Visa |
Best for | lifetime-free, rewards, beginners | premium | lifetime-free, app-driven, rewards, upi |
Apply |
IDFC FIRST Bank
Lifetime free. 3X reward points on all spends — Best for lifetime-free · rewards · beginners.
IndusInd Bank
5 reward points per ₹100 — Best for premium.
OneCard
Lifetime free. 5X rewards on top categories — Best for lifetime-free · app-driven · rewards.
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