We use analytics cookies to understand how visitors interact with our site. By continuing you agree to our use of cookies as described in our Privacy Policy.
3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Bank of Baroda
2 reward points per ₹100 — Best for rewards.
Annual fee
₹500
Visa · HDFC Bank
Lifetime free. 10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; … — Best for .
Annual fee
₹0
Visa · HDFC Bank
5X rewards on PayZapp — Best for online-shopping · cashback.
Annual fee
₹500
Bank of Baroda
Annual Fee
₹500
Reward Rate
2 reward points per ₹100
Welcome Benefit
—
HDFC Bank
Annual Fee
₹0
Reward Rate
10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; 2 Reward Points per ₹200 on other spends
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
5X rewards on PayZapp
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 | Bank of Baroda Easy Credit CardVisa · Bank of Baroda | HDFC Bank Freedom Credit CardVisa · HDFC Bank | HDFC Bank PayZapp Credit CardVisa · HDFC Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Bank of Baroda | HDFC Bank | HDFC Bank |
Card | |||
Annual fee | ₹500 | ₹0Best | ₹500 |
Joining fee | ₹500 | ₹1,000 | ₹500 |
Reward rate | 2 reward points per ₹100 | 10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; 2 Reward Points per ₹200 on other spendsBest | 5X rewards on PayZapp |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Visa | Visa |
Best for | rewards | — | online-shopping, cashback |
Apply |
Bank of Baroda
2 reward points per ₹100 — Best for rewards.
HDFC Bank
Lifetime free. 10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; … — Best for .
HDFC Bank
5X rewards on PayZapp — Best for online-shopping · cashback.
Related Guides
In-depth guides on rewards, lounge access, forex and more.
Related Comparisons
Compare any two cards side-by-side across 140+ issuers.
