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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. 2 Reward Points per ₹100 on all eligible categories (no accelerated category … — Best for .
Annual fee
Lifetime free
Mastercard · IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
Annual fee
₹5,000
Visa · Punjab National Bank
10X rewards on international travel — Best for travel.
Annual fee
₹2,000
Bank of Baroda
Annual Fee
Lifetime Free
Reward Rate
2 Reward Points per ₹100 on all eligible categories (no accelerated category on this card)
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
₹5,000
Reward Rate
10X reward points on all spends
Welcome Benefit
—
Punjab National Bank
Annual Fee
₹2,000
Reward Rate
10X rewards on international 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 | BOBCARD Prime Credit Card (mapped from requested 'bob-prime-novus')Visa · Bank of Baroda | IDFC FIRST Ashva Credit CardMastercard · IDFC FIRST Bank | Punjab National Bank Global Credit CardVisa · Punjab National Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Bank of Baroda | IDFC FIRST Bank | Punjab National Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹5,000 | ₹2,000 |
Joining fee | ₹0Best | ₹5,000 | ₹2,000 |
Reward rate | 2 Reward Points per ₹100 on all eligible categories (no accelerated category on this card)Best | 10X reward points on all spends | 10X rewards on international travel |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Visa | Mastercard | Visa |
Best for | — | rewards, premium | travel |
Apply |
Bank of Baroda
Lifetime free. 2 Reward Points per ₹100 on all eligible categories (no accelerated category … — Best for .
IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
Punjab National Bank
10X rewards on international travel — Best for travel.
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