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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
Annual fee
Lifetime free
Visa · OneCard
Lifetime free. 5X rewards on top categories — Best for lifetime-free · app-driven · rewards.
Annual fee
Lifetime free
Visa · Yes Bank
8 reward points per ₹200 — Best for premium · rewards.
Annual fee
₹2,500
Niyo (DCB Bank)
Annual Fee
Lifetime Free
Reward Rate
2X rewards on forex spends
Welcome Benefit
—
OneCard
Annual Fee
Lifetime Free
Reward Rate
5X rewards on top categories
Welcome Benefit
—
Yes Bank
Annual Fee
₹2,500
Reward Rate
8 reward points per ₹200
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 | Niyo Global Credit CardVisa · Niyo (DCB Bank) | OneCard RuPay Credit CardVisa · OneCard | Yes Bank YES Premia Credit CardVisa · Yes Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Niyo (DCB Bank) | OneCard | Yes Bank |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | ₹2,500 |
Joining fee | ₹0 | ₹0 | ₹2,500 |
Reward rate | 2X rewards on forex spends | 5X rewards on top categories | 8 reward points per ₹200Best |
Welcome benefit | — | — | — |
Lifetime free | Yes | Yes | No |
Network | Visa | Visa | Visa |
Best for | travel, lifetime-free | lifetime-free, app-driven, rewards, upi | premium, rewards |
Apply |
Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
OneCard
Lifetime free. 5X rewards on top categories — Best for lifetime-free · app-driven · rewards.
Yes Bank
8 reward points per ₹200 — Best for premium · rewards.
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