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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
5X rewards on PayZapp — Best for online-shopping · cashback.
Annual fee
₹500
Visa · Yes Bank
12 reward points per ₹200 — Best for premium · rewards.
Annual fee
₹5,000
Bank of Baroda
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
5X rewards on PayZapp
Welcome Benefit
—
Yes Bank
Annual Fee
₹5,000
Reward Rate
12 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 Empower Credit CardVisa · Bank of Baroda | HDFC Bank PayZapp Credit CardVisa · HDFC Bank | Yes Bank YES First Preferred Credit CardVisa · Yes Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Bank of Baroda | HDFC Bank | Yes Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹500 | ₹5,000 |
Joining fee | ₹0Best | ₹500 | ₹5,000 |
Reward rate | 1 reward point per ₹100 | 5X rewards on PayZapp | 12 reward points per ₹200Best |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Visa | Visa | Visa |
Best for | lifetime-free | online-shopping, cashback | premium, rewards |
Apply |
Bank of Baroda
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free.
HDFC Bank
5X rewards on PayZapp — Best for online-shopping · cashback.
Yes Bank
12 reward points per ₹200 — Best for premium · rewards.
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