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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
Lifetime free. 2X rewards on fashion & lifestyle — Best for online-shopping · lifestyle.
Annual fee
Lifetime free
Visa · SBI Card
1 reward point per ₹100 — Best for rewards · beginners.
Annual fee
₹499
Axis Bank
Annual Fee
Lifetime Free
Reward Rate
2% on bill pays; 1% on others
Welcome Benefit
—
Bank of Baroda
Annual Fee
Lifetime Free
Reward Rate
2X rewards on fashion & lifestyle
Welcome Benefit
—
SBI Card
Annual Fee
₹499
Reward Rate
1 reward point per ₹100
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 Virgo Credit CardVisa · Bank of Baroda | SBI Unnati Credit CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | Bank of Baroda | SBI Card |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | ₹499 |
Joining fee | ₹0 | ₹0 | ₹499 |
Reward rate | 2% on bill pays; 1% on others | 2X rewards on fashion & lifestyle | 1 reward point per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | Yes | Yes | No |
Network | Mastercard | Visa | Visa |
Best for | lifetime-free, cashback, bill-payments | online-shopping, lifestyle | rewards, beginners |
Apply |
Axis Bank
Lifetime free. 2% on bill pays; 1% on others — Best for lifetime-free · cashback · bill-payments.
Bank of Baroda
Lifetime free. 2X rewards on fashion & lifestyle — Best for online-shopping · lifestyle.
SBI Card
1 reward point per ₹100 — Best for rewards · beginners.
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