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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
RuPay · Axis Bank
2X rewards on UPI spends — Best for rewards · upi.
Annual fee
₹500
Visa · Bank of Baroda
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free.
Annual fee
Lifetime free
Mastercard · SBI Card
3 reward points per ₹100 — Best for rewards · premium.
Annual fee
₹4,999
Axis Bank
Annual Fee
₹500
Reward Rate
2X rewards on UPI spends
Welcome Benefit
—
Bank of Baroda
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
Welcome Benefit
—
SBI Card
Annual Fee
₹4,999
Reward Rate
3 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 Bank RuPay Credit CardRuPay · Axis Bank | Bank of Baroda Empower Credit CardVisa · Bank of Baroda | SBI Card SignatureMastercard · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | Bank of Baroda | SBI Card |
Card | |||
Annual fee | ₹500 | Lifetime FreeBest | ₹4,999 |
Joining fee | ₹500 | ₹0Best | ₹4,999 |
Reward rate | 2X rewards on UPI spends | 1 reward point per ₹100 | 3 reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | RuPay | Visa | Mastercard |
Best for | rewards, upi | lifetime-free | rewards, premium |
Apply |
Axis Bank
2X rewards on UPI spends — Best for rewards · upi.
Bank of Baroda
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free.
SBI Card
3 reward points per ₹100 — Best for rewards · premium.
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