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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
American Express · American Express
5X on travel; 1X elsewhere — Best for travel · premium.
Annual fee
₹5,000
Visa · Bank of Baroda
Lifetime free. 2X rewards on fashion & lifestyle — Best for online-shopping · lifestyle.
Annual fee
Lifetime free
Mastercard · SBI Card
5% cashback on top online brands; 1% on others — Best for cashback · online-shopping.
Annual fee
₹999
American Express
Annual Fee
₹5,000
Reward Rate
5X on travel; 1X elsewhere
Welcome Benefit
—
Bank of Baroda
Annual Fee
Lifetime Free
Reward Rate
2X rewards on fashion & lifestyle
Welcome Benefit
—
SBI Card
Annual Fee
₹999
Reward Rate
5% cashback on top online brands; 1% on others
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 | Amex Platinum Reserve Credit CardAmerican Express · American Express | Bank of Baroda Virgo Credit CardVisa · Bank of Baroda | SBI Cashback Credit CardMastercard · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | Bank of Baroda | SBI Card |
Card | |||
Annual fee | ₹5,000 | Lifetime FreeBest | ₹999 |
Joining fee | ₹5,000 | ₹0Best | ₹999 |
Reward rate | 5X on travel; 1X elsewhere | 2X rewards on fashion & lifestyle | 5% cashback on top online brands; 1% on others |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | American Express | Visa | Mastercard |
Best for | travel, premium | online-shopping, lifestyle | cashback, online-shopping |
Apply |
American Express
5X on travel; 1X elsewhere — Best for travel · premium.
Bank of Baroda
Lifetime free. 2X rewards on fashion & lifestyle — Best for online-shopping · lifestyle.
SBI Card
5% cashback on top online brands; 1% on others — Best for cashback · online-shopping.
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