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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · Axis Bank
5 EDGE Miles per ₹100 on travel via SmartHub; 2 elsewhere — 8+8 lounge visits per year
Annual fee
₹5,000
Visa · Bank of Baroda
4 reward points per ₹100 — Best for rewards · premium.
Annual fee
₹1,500
Mastercard · IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
Annual fee
₹5,000
Axis Bank
Annual Fee
₹5,000
Reward Rate
5 EDGE miles per ₹100 on travel; 2 elsewhere
Welcome Benefit
5,000 EDGE Miles on first txn within 30 days
Bank of Baroda
Annual Fee
₹1,500
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
₹5,000
Reward Rate
10X reward points on all spends
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 Atlas Credit CardMastercard · Axis Bank | Bank of Baroda Prime Credit CardVisa · Bank of Baroda | IDFC FIRST Ashva Credit CardMastercard · IDFC FIRST Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | Bank of Baroda | IDFC FIRST Bank |
Card | |||
Annual fee | ₹5,000 | ₹1,500Best | ₹5,000 |
Joining fee | ₹5,000 | ₹1,500Best | ₹5,000 |
Reward rate | 5 EDGE miles per ₹100 on travel; 2 elsewhereBest | 4 reward points per ₹100 | 10X reward points on all spends |
Welcome benefit | 5,000 EDGE Miles on first txn within 30 days | — | — |
Lifetime free | No | No | No |
Network | Mastercard | Visa | Mastercard |
Best for | travel, miles | rewards, premium | rewards, premium |
Apply |
Axis Bank
5 EDGE Miles per ₹100 on travel via SmartHub; 2 elsewhere — 8+8 lounge visits per year
Bank of Baroda
4 reward points per ₹100 — Best for rewards · premium.
IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
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