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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
Annual fee
₹1,000
Visa · OneCard
Lifetime free. 5X rewards on top categories — Best for lifetime-free · app-driven · rewards.
Annual fee
Lifetime free
Visa · SBI Card
7.5% cashback on Myntra, 5% cashback on Flipkart
Annual fee
₹500
IDFC FIRST Bank
Annual Fee
₹1,000
Reward Rate
3X on online; 2X offline
Welcome Benefit
—
OneCard
Annual Fee
Lifetime Free
Reward Rate
5X rewards on top categories
Welcome Benefit
—
SBI Card
Annual Fee
₹500
Reward Rate
7.5% cashback on Myntra; 5% cashback on Flipkart; 1% cashback on all other spends
Welcome Benefit
Welcome cashback worth ₹500 on first transaction
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 Millennia Credit CardVisa · IDFC FIRST Bank | OneCard RuPay Credit CardVisa · OneCard | Flipkart SBI CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | IDFC FIRST Bank | OneCard | SBI Card |
Card | |||
Annual fee | ₹1,000 | Lifetime FreeBest | ₹500 |
Joining fee | ₹1,000 | ₹0Best | ₹500 |
Reward rate | 3X on online; 2X offlineBest | 5X rewards on top categories | 7.5% cashback on Myntra; 5% cashback on Flipkart; 1% cashback on all other spends |
Welcome benefit | — | — | Welcome cashback worth ₹500 on first transaction |
Lifetime free | No | YesBest | No |
Network | Visa | Visa | Visa |
Best for | online-shopping, rewards | lifetime-free, app-driven, rewards, upi | flipkart, online-shopping, cashback |
Apply |
IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
OneCard
Lifetime free. 5X rewards on top categories — Best for lifetime-free · app-driven · rewards.
SBI Card
7.5% cashback on Myntra, 5% cashback on Flipkart
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