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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · Axis Bank
Lifetime free. 2% on bill pays; 1% on others — Best for lifetime-free · cashback · bill-payments.
Annual fee
Lifetime free
Visa · Bank of Baroda
4 reward points per ₹100 — Best for rewards · premium.
Annual fee
₹1,500
Visa · HDFC Bank
5X rewards on PayZapp — Best for online-shopping · cashback.
Annual fee
₹500
Axis Bank
Annual Fee
Lifetime Free
Reward Rate
2% on bill pays; 1% on others
Welcome Benefit
—
Bank of Baroda
Annual Fee
₹1,500
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
5X rewards on PayZapp
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 | Axis Ace Credit CardMastercard · Axis Bank | Bank of Baroda Prime Credit CardVisa · Bank of Baroda | HDFC Bank PayZapp Credit CardVisa · HDFC Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | Bank of Baroda | HDFC Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹1,500 | ₹500 |
Joining fee | ₹0Best | ₹1,500 | ₹500 |
Reward rate | 2% on bill pays; 1% on others | 4 reward points per ₹100Best | 5X rewards on PayZapp |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Mastercard | Visa | Visa |
Best for | lifetime-free, cashback, bill-payments | rewards, premium | online-shopping, cashback |
Apply |
Axis Bank
Lifetime free. 2% on bill pays; 1% on others — Best for lifetime-free · cashback · bill-payments.
Bank of Baroda
4 reward points per ₹100 — Best for rewards · premium.
HDFC Bank
5X rewards on PayZapp — Best for online-shopping · cashback.
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