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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · Axis Bank
15X reward points on all spends — Best for premium · super-premium.
Annual fee
₹50,000
Visa · Bank of Baroda
Lifetime free. 2X rewards on fashion & lifestyle — Best for online-shopping · lifestyle.
Annual fee
Lifetime free
Visa · HSBC India
2X reward points per ₹100 — Best for rewards.
Annual fee
₹500
Axis Bank
Annual Fee
₹50,000
Reward Rate
15X reward points on all spends
Welcome Benefit
—
Bank of Baroda
Annual Fee
Lifetime Free
Reward Rate
2X rewards on fashion & lifestyle
Welcome Benefit
—
HSBC India
Annual Fee
₹500
Reward Rate
2X reward points 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 Reserve Credit CardMastercard · Axis Bank | Bank of Baroda Virgo Credit CardVisa · Bank of Baroda | HSBC Smart Value Credit CardVisa · HSBC India |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | Bank of Baroda | HSBC India |
Card | |||
Annual fee | ₹50,000 | Lifetime FreeBest | ₹500 |
Joining fee | ₹50,000 | ₹0Best | ₹500 |
Reward rate | 15X reward points on all spends | 2X rewards on fashion & lifestyle | 2X reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Mastercard | Visa | Visa |
Best for | premium, super-premium | online-shopping, lifestyle | rewards |
Apply |
Axis Bank
15X reward points on all spends — Best for premium · super-premium.
Bank of Baroda
Lifetime free. 2X rewards on fashion & lifestyle — Best for online-shopping · lifestyle.
HSBC India
2X reward points per ₹100 — Best for rewards.
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