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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · IndusInd Bank
1 reward point per ₹100 — Best for fuel · rewards.
Annual fee
₹500
Visa · OneCard
Lifetime free. 5X rewards on top spending categories — Best for lifetime-free · app-driven · rewards.
Annual fee
Lifetime free
Visa · SBI Card
10X rewards on partner online brands; 1X on others — Best for online-shopping · rewards.
Annual fee
₹499
IndusInd Bank
Annual Fee
₹500
Reward Rate
1 reward point per ₹100
Welcome Benefit
—
OneCard
Annual Fee
Lifetime Free
Reward Rate
5X rewards on top spending categories
Welcome Benefit
—
SBI Card
Annual Fee
₹499
Reward Rate
10X rewards on partner online brands; 1X on others
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 | IndusInd Bank Celeste Credit CardVisa · IndusInd Bank | OneCard Metal Credit CardVisa · OneCard | SBI SimplyCLICK Credit CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | IndusInd Bank | OneCard | SBI Card |
Card | |||
Annual fee | ₹500 | Lifetime FreeBest | ₹499 |
Joining fee | ₹500 | ₹0Best | ₹499 |
Reward rate | 1 reward point per ₹100Best | 5X rewards on top spending categories | 10X rewards on partner online brands; 1X on others |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Visa | Visa | Visa |
Best for | fuel, rewards | lifetime-free, app-driven, rewards | online-shopping, rewards |
Apply |
IndusInd Bank
1 reward point per ₹100 — Best for fuel · rewards.
OneCard
Lifetime free. 5X rewards on top spending categories — Best for lifetime-free · app-driven · rewards.
SBI Card
10X rewards on partner online brands; 1X on others — Best for online-shopping · rewards.
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