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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · OneCard
Lifetime free. 5X rewards on top categories — Best for lifetime-free · app-driven · rewards.
Annual fee
Lifetime free
Mastercard · SBI Card
5% cashback on top online brands; 1% on others — Best for cashback · online-shopping.
Annual fee
₹999
Visa · Standard Chartered
5% cashback on utilities — Best for bill-payments.
Annual fee
₹750
OneCard
Annual Fee
Lifetime Free
Reward Rate
5X rewards on top categories
Welcome Benefit
—
SBI Card
Annual Fee
₹999
Reward Rate
5% cashback on top online brands; 1% on others
Welcome Benefit
—
Standard Chartered
Annual Fee
₹750
Reward Rate
5% cashback on utilities
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 | OneCard RuPay Credit CardVisa · OneCard | SBI Cashback Credit CardMastercard · SBI Card | Standard Chartered Super ValueTitanium Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | OneCard | SBI Card | Standard Chartered |
Card | |||
Annual fee | Lifetime FreeBest | ₹999 | ₹750 |
Joining fee | ₹0Best | ₹999 | ₹750 |
Reward rate | 5X rewards on top categories | 5% cashback on top online brands; 1% on othersBest | 5% cashback on utilities |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Visa | Mastercard | Visa |
Best for | lifetime-free, app-driven, rewards, upi | cashback, online-shopping | bill-payments |
Apply |
OneCard
Lifetime free. 5X rewards on top categories — Best for lifetime-free · app-driven · rewards.
SBI Card
5% cashback on top online brands; 1% on others — Best for cashback · online-shopping.
Standard Chartered
5% cashback on utilities — Best for bill-payments.
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