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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 · Standard Chartered
5X on travel & dining — Best for travel · dining.
Annual fee
₹2,500
Visa · Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
Annual fee
Lifetime free
OneCard
Annual Fee
Lifetime Free
Reward Rate
5X rewards on top categories
Welcome Benefit
—
Standard Chartered
Annual Fee
₹2,500
Reward Rate
5X on travel & dining
Welcome Benefit
—
Uni (SBM Bank)
Annual Fee
Lifetime Free
Reward Rate
1.5X rewards on all spends
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 | Standard Chartered Journey Credit CardMastercard · Standard Chartered | Uni Credit CardVisa · Uni (SBM Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | OneCard | Standard Chartered | Uni (SBM Bank) |
Card | |||
Annual fee | Lifetime Free | ₹2,500 | Lifetime Free |
Joining fee | ₹0 | ₹2,500 | ₹0 |
Reward rate | 5X rewards on top categories | 5X on travel & dining | 1.5X rewards on all spends |
Welcome benefit | — | — | — |
Lifetime free | Yes | No | Yes |
Network | Visa | Mastercard | Visa |
Best for | lifetime-free, app-driven, rewards, upi | travel, dining | rewards, lifetime-free |
Apply |
OneCard
Lifetime free. 5X rewards on top categories — Best for lifetime-free · app-driven · rewards.
Standard Chartered
5X on travel & dining — Best for travel · dining.
Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
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