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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Bank of Baroda
4 reward points per ₹100 — Best for rewards · premium.
Annual fee
₹1,500
Mastercard · DBS Bank India
Lifetime free. 5X on online & 2X offline — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
Mastercard · HDFC Bank
2 reward points per ₹150 — Best for rewards · everyday.
Annual fee
₹500
Bank of Baroda
Annual Fee
₹1,500
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
DBS Bank India
Annual Fee
Lifetime Free
Reward Rate
5X on online & 2X offline
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
2 reward points per ₹150
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 Prime Credit CardVisa · Bank of Baroda | DBS Live Fresh Credit CardMastercard · DBS Bank India | HDFC Bank Bharat Credit CardMastercard · HDFC Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Bank of Baroda | DBS Bank India | HDFC Bank |
Card | |||
Annual fee | ₹1,500 | Lifetime FreeBest | ₹500 |
Joining fee | ₹1,500 | ₹0Best | ₹500 |
Reward rate | 4 reward points per ₹100Best | 5X on online & 2X offline | 2 reward points per ₹150 |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Visa | Mastercard | Mastercard |
Best for | rewards, premium | online-shopping, lifetime-free | rewards, everyday |
Apply |
Bank of Baroda
4 reward points per ₹100 — Best for rewards · premium.
DBS Bank India
Lifetime free. 5X on online & 2X offline — Best for online-shopping · lifetime-free.
HDFC Bank
2 reward points per ₹150 — Best for rewards · everyday.
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