We use analytics cookies to understand how visitors interact with our site. By continuing you agree to our use of cookies as described in our Privacy Policy.
3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · AU Small Finance Bank
5X on top merchants; 2X on others — Best for rewards · premium.
Annual fee
₹3,000
Visa · Bank of Baroda
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free.
Annual fee
Lifetime free
Visa · Bank of Baroda
5X rewards on travel & dining — Best for travel · dining.
Annual fee
₹750
AU Small Finance Bank
Annual Fee
₹3,000
Reward Rate
5X on top merchants; 2X on others
Welcome Benefit
—
Bank of Baroda
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
Welcome Benefit
—
Bank of Baroda
Annual Fee
₹750
Reward Rate
5X rewards on travel & dining
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 | AU Zenith Credit CardVisa · AU Small Finance Bank | Bank of Baroda Empower Credit CardVisa · Bank of Baroda | Bank of Baroda Select Credit CardVisa · Bank of Baroda |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | Bank of Baroda | Bank of Baroda |
Card | |||
Annual fee | ₹3,000 | Lifetime FreeBest | ₹750 |
Joining fee | ₹3,000 | ₹0Best | ₹750 |
Reward rate | 5X on top merchants; 2X on others | 1 reward point per ₹100Best | 5X rewards on travel & dining |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Visa | Visa | Visa |
Best for | rewards, premium | lifetime-free | travel, dining |
Apply |
AU Small Finance Bank
5X on top merchants; 2X on others — Best for rewards · premium.
Bank of Baroda
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free.
Bank of Baroda
5X rewards on travel & dining — Best for travel · dining.
Related Guides
In-depth guides on rewards, lounge access, forex and more.
Related Comparisons
Compare any two cards side-by-side across 140+ issuers.
