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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
Lifetime free. 2X rewards on fashion & lifestyle — Best for online-shopping · lifestyle.
Annual fee
Lifetime free
Visa · SBI Card
2% NeuCoins + annual fee reversal on ₹1L spend
Annual fee
₹1,499
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
Lifetime Free
Reward Rate
2X rewards on fashion & lifestyle
Welcome Benefit
—
SBI Card
Annual Fee
₹1,499
Reward Rate
5% NeuCoins on Tata Neu App / Tata partner spends; 1.5% NeuCoins on other spends
Welcome Benefit
Welcome NeuCoins worth up to ₹1,500 on first 30 days of card activation
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 Virgo Credit CardVisa · Bank of Baroda | Tata Neu Plus SBI CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | Bank of Baroda | SBI Card |
Card | |||
Annual fee | ₹5,000 | Lifetime FreeBest | ₹1,499 |
Joining fee | ₹5,000 | ₹0Best | ₹1,499 |
Reward rate | 5 EDGE miles per ₹100 on travel; 2 elsewhereBest | 2X rewards on fashion & lifestyle | 5% NeuCoins on Tata Neu App / Tata partner spends; 1.5% NeuCoins on other spends |
Welcome benefit | 5,000 EDGE Miles on first txn within 30 days | — | Welcome NeuCoins worth up to ₹1,500 on first 30 days of card activation |
Lifetime free | No | YesBest | No |
Network | Mastercard | Visa | Visa |
Best for | travel, miles | online-shopping, lifestyle | online-shopping, rewards |
Apply |
Axis Bank
5 EDGE Miles per ₹100 on travel via SmartHub; 2 elsewhere — 8+8 lounge visits per year
Bank of Baroda
Lifetime free. 2X rewards on fashion & lifestyle — Best for online-shopping · lifestyle.
SBI Card
2% NeuCoins + annual fee reversal on ₹1L spend
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