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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 reward points per ₹100 — Best for rewards · premium.
Annual fee
₹2,999
Visa · Yes Bank
8 reward points per ₹200 — Best for premium · rewards.
Annual fee
₹2,500
OneCard
Annual Fee
Lifetime Free
Reward Rate
5X rewards on top categories
Welcome Benefit
—
SBI Card
Annual Fee
₹2,999
Reward Rate
5 reward points per ₹100
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 | OneCard RuPay Credit CardVisa · OneCard | SBI Card PRIMEMastercard · SBI Card | Yes Bank YES Premia Credit CardVisa · Yes Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | OneCard | SBI Card | Yes Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹2,999 | ₹2,500 |
Joining fee | ₹0Best | ₹2,999 | ₹2,500 |
Reward rate | 5X rewards on top categories | 5 reward points per ₹100 | 8 reward points per ₹200Best |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Visa | Mastercard | Visa |
Best for | lifetime-free, app-driven, rewards, upi | rewards, premium | premium, rewards |
Apply |
OneCard
Lifetime free. 5X rewards on top categories — Best for lifetime-free · app-driven · rewards.
SBI Card
5 reward points per ₹100 — Best for rewards · premium.
Yes Bank
8 reward points per ₹200 — Best for premium · rewards.
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