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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · IndusInd Bank
2X rewards on all spends — Best for rewards.
Annual fee
₹1,500
Visa · OneCard
Lifetime free. 5X rewards on top spending categories — Best for lifetime-free · app-driven · rewards.
Annual fee
Lifetime free
Mastercard · SBI Card
6 Travel Credits for every ₹200 spent on travel; 2 Travel Credits for every ₹… — Best for .
Annual fee
₹4,999
IndusInd Bank
Annual Fee
₹1,500
Reward Rate
2X rewards on all spends
Welcome Benefit
—
OneCard
Annual Fee
Lifetime Free
Reward Rate
5X rewards on top spending categories
Welcome Benefit
—
SBI Card
Annual Fee
₹4,999
Reward Rate
6 Travel Credits for every ₹200 spent on travel; 2 Travel Credits for every ₹200 on all other spends; Travel Credits convertible to Air Miles / Hotel Points (1 TC = Re. 1) or used for Travel Bookings (1 TC = ₹0.50)
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 Duo Credit CardMastercard · IndusInd Bank | OneCard Metal Credit CardVisa · OneCard | SBI Card MILES ELITEMastercard · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | IndusInd Bank | OneCard | SBI Card |
Card | |||
Annual fee | ₹1,500 | Lifetime FreeBest | ₹4,999 |
Joining fee | ₹1,500 | ₹0Best | ₹4,999 |
Reward rate | 2X rewards on all spends | 5X rewards on top spending categories | 6 Travel Credits for every ₹200 spent on travel; 2 Travel Credits for every ₹200 on all other spends; Travel Credits convertible to Air Miles / Hotel Points (1 TC = Re. 1) or used for Travel Bookings (1 TC = ₹0.50)Best |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Mastercard | Visa | Mastercard |
Best for | rewards | lifetime-free, app-driven, rewards | — |
Apply |
IndusInd Bank
2X rewards on all spends — Best for rewards.
OneCard
Lifetime free. 5X rewards on top spending categories — Best for lifetime-free · app-driven · rewards.
SBI Card
6 Travel Credits for every ₹200 spent on travel; 2 Travel Credits for every ₹… — Best for .
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