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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
Visa · Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
Annual fee
Lifetime free
Visa · Standard Chartered
5% cashback on utilities — Best for bill-payments.
Annual fee
₹750
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
—
Niyo (DCB Bank)
Annual Fee
Lifetime Free
Reward Rate
2X rewards on forex spends
Welcome Benefit
—
Standard Chartered
Annual Fee
₹750
Reward Rate
5% cashback on 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 | BOBCARD Prime Credit Card (mapped from requested 'bob-prime-novus')Visa · Bank of Baroda | Niyo Global Credit CardVisa · Niyo (DCB Bank) | Standard Chartered Super ValueTitanium Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | Bank of Baroda | Niyo (DCB Bank) | Standard Chartered |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | ₹750 |
Joining fee | ₹0 | ₹0 | ₹750 |
Reward rate | 2 Reward Points per ₹100 on all eligible categories (no accelerated category on this card)Best | 2X rewards on forex spends | 5% cashback on utilities |
Welcome benefit | — | — | — |
Lifetime free | Yes | Yes | No |
Network | Visa | Visa | Visa |
Best for | — | travel, lifetime-free | bill-payments |
Apply |
Bank of Baroda
Lifetime free. 2 Reward Points per ₹100 on all eligible categories (no accelerated category … — Best for .
Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
Standard Chartered
5% cashback on utilities — Best for bill-payments.
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