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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Axis Bank
12 EDGE Reward Points per Rs 200 on monthly spends up to Rs 1.5 lakh; 35 poin… — Best for .
Annual fee
₹30,000
Visa · Axis Bank
12000 bonus points on ₹1L monthly; 5X on travel — Best for premium · travel · lounge-access.
Annual fee
₹12,500
Visa · Bank of Baroda
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free.
Annual fee
Lifetime free
Axis Bank
Annual Fee
₹30,000
Reward Rate
12 EDGE Reward Points per Rs 200 on monthly spends up to Rs 1.5 lakh; 35 points per Rs 200 above Rs 1.5 lakh; enhanced ratio for Burgundy customers (4 partner points per 5 EDGE = 5:4 ratio)
Welcome Benefit
—
Axis Bank
Annual Fee
₹12,500
Reward Rate
12000 bonus points on ₹1L monthly; 5X on travel
Welcome Benefit
—
Bank of Baroda
Annual Fee
Lifetime Free
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 Bank Burgundy Credit CardVisa · Axis Bank | Axis Magnus Credit CardVisa · Axis Bank | Bank of Baroda Empower Credit CardVisa · Bank of Baroda |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | Axis Bank | Bank of Baroda |
Card | |||
Annual fee | ₹30,000 | ₹12,500 | Lifetime FreeBest |
Joining fee | ₹30,000 | ₹12,500 | ₹0Best |
Reward rate | 12 EDGE Reward Points per Rs 200 on monthly spends up to Rs 1.5 lakh; 35 points per Rs 200 above Rs 1.5 lakh; enhanced ratio for Burgundy customers (4 partner points per 5 EDGE = 5:4 ratio) | 12000 bonus points on ₹1L monthly; 5X on travelBest | 1 reward point per ₹100 |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Visa | Visa | Visa |
Best for | — | premium, travel, lounge-access | lifetime-free |
Apply |
Axis Bank
12 EDGE Reward Points per Rs 200 on monthly spends up to Rs 1.5 lakh; 35 poin… — Best for .
Axis Bank
12000 bonus points on ₹1L monthly; 5X on travel — Best for premium · travel · lounge-access.
Bank of Baroda
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free.
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