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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
Visa · IDFC FIRST Bank
Lifetime free. 3X reward points on all spends — Best for lifetime-free · rewards · beginners.
Annual fee
Lifetime free
Visa · Yes Bank
8 reward points per ₹200 — Best for premium · rewards.
Annual fee
₹2,500
Bank of Baroda
Annual Fee
₹500
Reward Rate
2 reward points per ₹100
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X reward points on all spends
Welcome Benefit
—
Yes Bank
Annual Fee
₹2,500
Reward Rate
8 reward points per ₹200
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 | IDFC FIRST Classic Credit CardVisa · IDFC FIRST Bank | Yes Bank YES Premia Credit CardVisa · Yes Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Bank of Baroda | IDFC FIRST Bank | Yes Bank |
Card | |||
Annual fee | ₹500 | Lifetime FreeBest | ₹2,500 |
Joining fee | ₹500 | ₹0Best | ₹2,500 |
Reward rate | 2 reward points per ₹100 | 3X reward points on all spends | 8 reward points per ₹200Best |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Visa | Visa | Visa |
Best for | rewards | lifetime-free, rewards, beginners | premium, rewards |
Apply |
Bank of Baroda
2 reward points per ₹100 — Best for rewards.
IDFC FIRST Bank
Lifetime free. 3X reward points on all spends — Best for lifetime-free · rewards · beginners.
Yes Bank
8 reward points per ₹200 — Best for premium · rewards.
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