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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 · OneCard
Lifetime free. 5X rewards on top spending categories — Best for lifetime-free · app-driven · rewards.
Annual fee
Lifetime free
Visa · Uni (SBM Bank)
Lifetime free. 2X rewards on UPI — Best for upi · cashback · lifetime-free.
Annual fee
Lifetime free
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
—
OneCard
Annual Fee
Lifetime Free
Reward Rate
5X rewards on top spending categories
Welcome Benefit
—
Uni (SBM Bank)
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
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 | OneCard Metal Credit CardVisa · OneCard | Uni Pay Credit CardVisa · Uni (SBM Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | Bank of Baroda | OneCard | Uni (SBM Bank) |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | Lifetime Free |
Joining fee | ₹0 | ₹0 | ₹0 |
Reward rate | 2 Reward Points per ₹100 on all eligible categories (no accelerated category on this card)Best | 5X rewards on top spending categories | 2X rewards on UPI |
Welcome benefit | — | — | — |
Lifetime free | Yes | Yes | Yes |
Network | Visa | Visa | Visa |
Best for | — | lifetime-free, app-driven, rewards | upi, cashback, lifetime-free |
Apply |
Bank of Baroda
Lifetime free. 2 Reward Points per ₹100 on all eligible categories (no accelerated category … — Best for .
OneCard
Lifetime free. 5X rewards on top spending categories — Best for lifetime-free · app-driven · rewards.
Uni (SBM Bank)
Lifetime free. 2X rewards on UPI — Best for upi · cashback · lifetime-free.
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