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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. 2X rewards on fashion & lifestyle — Best for online-shopping · lifestyle.
Annual fee
Lifetime free
Visa · Standard Chartered
5x on travel & dining; 1x others — Best for travel · dining · lounge-access.
Annual fee
₹5,000
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
2X rewards on fashion & lifestyle
Welcome Benefit
—
Standard Chartered
Annual Fee
₹5,000
Reward Rate
5x on travel & dining; 1x 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 | AU Zenith Credit CardVisa · AU Small Finance Bank | Bank of Baroda Virgo Credit CardVisa · Bank of Baroda | Standard Chartered Ultimate Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | Bank of Baroda | Standard Chartered |
Card | |||
Annual fee | ₹3,000 | Lifetime FreeBest | ₹5,000 |
Joining fee | ₹3,000 | ₹0Best | ₹5,000 |
Reward rate | 5X on top merchants; 2X on othersBest | 2X rewards on fashion & lifestyle | 5x on travel & dining; 1x others |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Visa | Visa | Visa |
Best for | rewards, premium | online-shopping, lifestyle | travel, dining, lounge-access |
Apply |
AU Small Finance Bank
5X on top merchants; 2X on others — Best for rewards · premium.
Bank of Baroda
Lifetime free. 2X rewards on fashion & lifestyle — Best for online-shopping · lifestyle.
Standard Chartered
5x on travel & dining; 1x others — Best for travel · dining · lounge-access.
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