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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 · HDFC Bank
2 reward points per ₹150 — Best for rewards · everyday.
Annual fee
₹500
Visa · SBI Card
Lowest forex markup of 1.99% + 5% NeuCoins on Tata
Annual fee
₹4,999
Bank of Baroda
Annual Fee
₹1,500
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
2 reward points per ₹150
Welcome Benefit
—
SBI Card
Annual Fee
₹4,999
Reward Rate
5% Value Back as NeuCoins on Tata Neu spends; up to 5% extra as NeuCoins via NeuPass; 1.5% NeuCoins on other spends
Welcome Benefit
Welcome NeuCoins worth up to ₹4,999 credited within 15 days of joining fee realization
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 | HDFC Bank Bharat Credit CardMastercard · HDFC Bank | Tata Neu Infinity SBI CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | Bank of Baroda | HDFC Bank | SBI Card |
Card | |||
Annual fee | ₹1,500 | ₹500Best | ₹4,999 |
Joining fee | ₹1,500 | ₹500Best | ₹4,999 |
Reward rate | 4 reward points per ₹100Best | 2 reward points per ₹150 | 5% Value Back as NeuCoins on Tata Neu spends; up to 5% extra as NeuCoins via NeuPass; 1.5% NeuCoins on other spends |
Welcome benefit | — | — | Welcome NeuCoins worth up to ₹4,999 credited within 15 days of joining fee realization |
Lifetime free | No | No | No |
Network | Visa | Mastercard | Visa |
Best for | rewards, premium | rewards, everyday | online-shopping, premium, travel |
Apply |
Bank of Baroda
4 reward points per ₹100 — Best for rewards · premium.
HDFC Bank
2 reward points per ₹150 — Best for rewards · everyday.
SBI Card
Lowest forex markup of 1.99% + 5% NeuCoins on Tata
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