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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
Mastercard · ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Annual fee
₹12,000
Visa · Kotak Mahindra Bank
5 reward points per ₹100 — Best for premium · rewards.
Annual fee
₹10,000
Bank of Baroda
Annual Fee
₹500
Reward Rate
2 reward points per ₹100
Welcome Benefit
—
ICICI Bank
Annual Fee
₹12,000
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
₹10,000
Reward Rate
5 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 | Bank of Baroda Easy Credit CardVisa · Bank of Baroda | ICICI Emeralde Credit CardMastercard · ICICI Bank | Kotak Zenith Credit CardVisa · Kotak Mahindra Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Bank of Baroda | ICICI Bank | Kotak Mahindra Bank |
Card | |||
Annual fee | ₹500Best | ₹12,000 | ₹10,000 |
Joining fee | ₹500Best | ₹12,000 | ₹10,000 |
Reward rate | 2 reward points per ₹100 | 4 reward points per ₹100 | 5 reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Mastercard | Visa |
Best for | rewards | premium, travel, rewards | premium, rewards |
Apply |
Bank of Baroda
2 reward points per ₹100 — Best for rewards.
ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Kotak Mahindra Bank
5 reward points per ₹100 — Best for premium · rewards.
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