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
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free.
Annual fee
Lifetime free
Visa · HDFC Bank
Lifetime free. 1 reward point per ₹100 — Best for fuel · bill-payments.
Annual fee
Lifetime free
Visa · HSBC India
Lifetime free. 2X rewards per ₹100 — Best for lifetime-free · rewards.
Annual fee
Lifetime free
Bank of Baroda
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
Welcome Benefit
—
HDFC Bank
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
Welcome Benefit
—
HSBC India
Annual Fee
Lifetime Free
Reward Rate
2X rewards 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 Empower Credit CardVisa · Bank of Baroda | HDFC Bank IRIS Credit CardVisa · HDFC Bank | HSBC Visa Platinum Credit CardVisa · HSBC India |
|---|---|---|---|
Card image |  |  |  |
Provider | Bank of Baroda | HDFC Bank | HSBC India |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | Lifetime Free |
Joining fee | ₹0 | ₹0 | ₹0 |
Reward rate | 1 reward point per ₹100 | 1 reward point per ₹100 | 2X rewards per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | Yes | Yes | Yes |
Network | Visa | Visa | Visa |
Best for | lifetime-free | fuel, bill-payments | lifetime-free, rewards |
Apply |
Bank of Baroda
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free.
HDFC Bank
Lifetime free. 1 reward point per ₹100 — Best for fuel · bill-payments.
HSBC India
Lifetime free. 2X rewards per ₹100 — Best for lifetime-free · rewards.
Related Guides
In-depth guides on rewards, lounge access, forex and more.
Related Comparisons
Compare any two cards side-by-side across 140+ issuers.
