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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Axis Bank
10% cashback on Swiggy — Best for food-delivery · cashback.
Annual fee
₹500
Visa · Bank of Baroda
Lifetime free. 2X rewards on fashion & lifestyle — Best for online-shopping · lifestyle.
Annual fee
Lifetime free
Visa · HDFC Bank
Lifetime free. 1 reward point per ₹100 — Best for fuel · bill-payments.
Annual fee
Lifetime free
Axis Bank
Annual Fee
₹500
Reward Rate
10% cashback on Swiggy
Welcome Benefit
—
Bank of Baroda
Annual Fee
Lifetime Free
Reward Rate
2X rewards on fashion & lifestyle
Welcome Benefit
—
HDFC Bank
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 Swiggy Credit CardVisa · Axis Bank | Bank of Baroda Virgo Credit CardVisa · Bank of Baroda | HDFC Bank IRIS Credit CardVisa · HDFC Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | Bank of Baroda | HDFC Bank |
Card | |||
Annual fee | ₹500 | Lifetime Free | Lifetime Free |
Joining fee | ₹500 | ₹0 | ₹0 |
Reward rate | 10% cashback on Swiggy | 2X rewards on fashion & lifestyle | 1 reward point per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | No | Yes | Yes |
Network | Visa | Visa | Visa |
Best for | food-delivery, cashback | online-shopping, lifestyle | fuel, bill-payments |
Apply |
Axis Bank
10% cashback on Swiggy — Best for food-delivery · cashback.
Bank of Baroda
Lifetime free. 2X rewards on fashion & lifestyle — Best for online-shopping · lifestyle.
HDFC Bank
Lifetime free. 1 reward point per ₹100 — Best for fuel · bill-payments.
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