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 · IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
Annual fee
₹1,000
Visa · Standard Chartered
5% cashback on subscriptions & utilities — Best for bill-payments.
Annual fee
₹1,500
Bank of Baroda
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
₹1,000
Reward Rate
3X on online; 2X offline
Welcome Benefit
—
Standard Chartered
Annual Fee
₹1,500
Reward Rate
5% cashback on subscriptions & utilities
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 | IDFC FIRST Millennia Credit CardVisa · IDFC FIRST Bank | Standard Chartered DigiSmart Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | Bank of Baroda | IDFC FIRST Bank | Standard Chartered |
Card | |||
Annual fee | Lifetime FreeBest | ₹1,000 | ₹1,500 |
Joining fee | ₹0Best | ₹1,000 | ₹1,500 |
Reward rate | 1 reward point per ₹100Best | 3X on online; 2X offline | 5% cashback on subscriptions & utilities |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Visa | Visa | Visa |
Best for | lifetime-free | online-shopping, rewards | bill-payments |
Apply |
Bank of Baroda
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free.
IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
Standard Chartered
5% cashback on subscriptions & utilities — Best for bill-payments.
Related Guides
In-depth guides on rewards, lounge access, forex and more.
Related Comparisons
Compare any two cards side-by-side across 140+ issuers.
