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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
Visa · Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
Annual fee
Lifetime free
Visa · Yes Bank
12 reward points per ₹200 — Best for premium · rewards.
Annual fee
₹5,000
OneCard
Annual Fee
Lifetime Free
Reward Rate
5X rewards on top categories
Welcome Benefit
—
Uni (SBM Bank)
Annual Fee
Lifetime Free
Reward Rate
1.5X rewards on all spends
Welcome Benefit
—
Yes Bank
Annual Fee
₹5,000
Reward Rate
12 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 | Uni Credit CardVisa · Uni (SBM Bank) | Yes Bank YES First Preferred Credit CardVisa · Yes Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | OneCard | Uni (SBM Bank) | Yes Bank |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | ₹5,000 |
Joining fee | ₹0 | ₹0 | ₹5,000 |
Reward rate | 5X rewards on top categories | 1.5X rewards on all spends | 12 reward points per ₹200Best |
Welcome benefit | — | — | — |
Lifetime free | Yes | Yes | No |
Network | Visa | Visa | Visa |
Best for | lifetime-free, app-driven, rewards, upi | rewards, lifetime-free | premium, rewards |
Apply |
OneCard
Lifetime free. 5X rewards on top categories — Best for lifetime-free · app-driven · rewards.
Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
Yes Bank
12 reward points per ₹200 — Best for premium · rewards.
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