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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. 2X rewards on fashion & lifestyle — Best for online-shopping · lifestyle.
Annual fee
Lifetime free
Mastercard · HDFC Bank
2 reward points per ₹150 — Best for rewards · everyday.
Annual fee
₹500
Axis Bank
Annual Fee
₹500
Reward Rate
2X rewards on UPI spends
Welcome Benefit
—
Bank of Baroda
Annual Fee
Lifetime Free
Reward Rate
2X rewards on fashion & lifestyle
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
2 reward points per ₹150
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 Virgo Credit CardVisa · Bank of Baroda | HDFC Bank Bharat Credit CardMastercard · HDFC Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | Bank of Baroda | HDFC Bank |
Card | |||
Annual fee | ₹500 | Lifetime FreeBest | ₹500 |
Joining fee | ₹500 | ₹0Best | ₹500 |
Reward rate | 2X rewards on UPI spends | 2X rewards on fashion & lifestyle | 2 reward points per ₹150Best |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | RuPay | Visa | Mastercard |
Best for | rewards, upi | online-shopping, lifestyle | rewards, everyday |
Apply |
Axis Bank
2X rewards on UPI spends — Best for rewards · upi.
Bank of Baroda
Lifetime free. 2X rewards on fashion & lifestyle — Best for online-shopping · lifestyle.
HDFC Bank
2 reward points per ₹150 — Best for rewards · everyday.
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