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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 · HSBC India
2X reward points per ₹100 — Best for rewards.
Annual fee
₹500
Visa · HSBC India
5X on travel — Best for travel.
Annual fee
₹3,000
Bank of Baroda
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
Welcome Benefit
—
HSBC India
Annual Fee
₹500
Reward Rate
2X reward points per ₹100
Welcome Benefit
—
HSBC India
Annual Fee
₹3,000
Reward Rate
5X on travel
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 | HSBC Smart Value Credit CardVisa · HSBC India | HSBC TravelOne Credit CardVisa · HSBC India |
|---|---|---|---|
Card image |  |  |  |
Provider | Bank of Baroda | HSBC India | HSBC India |
Card | |||
Annual fee | Lifetime FreeBest | ₹500 | ₹3,000 |
Joining fee | ₹0Best | ₹500 | ₹3,000 |
Reward rate | 1 reward point per ₹100 | 2X reward points per ₹100Best | 5X on travel |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Visa | Visa | Visa |
Best for | lifetime-free | rewards | travel |
Apply |
Bank of Baroda
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free.
HSBC India
2X reward points per ₹100 — Best for rewards.
HSBC India
5X on travel — Best for travel.
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