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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
Mastercard · HDFC Bank
4 reward points per ₹150 — Best for travel · lounge-access · premium.
Annual fee
₹2,500
Visa · HDFC Bank
5% NeuCoins on Tata purchases; 1.5% on others — Best for online-shopping · rewards.
Annual fee
₹1,500
Bank of Baroda
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
Welcome Benefit
—
HDFC Bank
Annual Fee
₹2,500
Reward Rate
4 reward points per ₹150
Welcome Benefit
—
HDFC Bank
Annual Fee
₹1,500
Reward Rate
5% NeuCoins on Tata purchases; 1.5% on others
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 Regalia Gold Credit CardMastercard · HDFC Bank | HDFC Bank Tata Neu Plus Credit CardVisa · HDFC Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Bank of Baroda | HDFC Bank | HDFC Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹2,500 | ₹1,500 |
Joining fee | ₹0Best | ₹2,500 | ₹1,500 |
Reward rate | 1 reward point per ₹100 | 4 reward points per ₹150Best | 5% NeuCoins on Tata purchases; 1.5% on others |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Visa | Mastercard | Visa |
Best for | lifetime-free | travel, lounge-access, premium | online-shopping, rewards |
Apply |
Bank of Baroda
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free.
HDFC Bank
4 reward points per ₹150 — Best for travel · lounge-access · premium.
HDFC Bank
5% NeuCoins on Tata purchases; 1.5% on others — Best for online-shopping · rewards.
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