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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
5X rewards on travel & dining — Best for travel · dining.
Annual fee
₹750
Visa · HDFC Bank
Lifetime free. 10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; … — Best for .
Annual fee
₹0
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
₹750
Reward Rate
5X rewards on travel & dining
Welcome Benefit
—
HDFC Bank
Annual Fee
₹0
Reward Rate
10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; 2 Reward Points per ₹200 on other 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 Select Credit CardVisa · Bank of Baroda | HDFC Bank Freedom Credit CardVisa · HDFC Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | Bank of Baroda | HDFC Bank |
Card | |||
Annual fee | ₹5,000 | ₹750 | ₹0Best |
Joining fee | ₹5,000 | ₹750Best | ₹1,000 |
Reward rate | 5 EDGE miles per ₹100 on travel; 2 elsewhere | 5X rewards on travel & dining | 10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; 2 Reward Points per ₹200 on other spendsBest |
Welcome benefit | 5,000 EDGE Miles on first txn within 30 days | — | — |
Lifetime free | No | No | No |
Network | Mastercard | Visa | Visa |
Best for | travel, miles | travel, dining | — |
Apply |
Axis Bank
5 EDGE Miles per ₹100 on travel via SmartHub; 2 elsewhere — 8+8 lounge visits per year
Bank of Baroda
5X rewards on travel & dining — Best for travel · dining.
HDFC Bank
Lifetime free. 10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; … — Best for .
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