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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
5 reward points per ₹150 — Best for premium · lounge-access · travel.
Annual fee
₹12,500
Visa · SBI Card
2% NeuCoins + annual fee reversal on ₹1L spend
Annual fee
₹1,499
Bank of Baroda
Annual Fee
₹1,500
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
HDFC Bank
Annual Fee
₹12,500
Reward Rate
5 reward points per ₹150
Welcome Benefit
—
SBI Card
Annual Fee
₹1,499
Reward Rate
5% NeuCoins on Tata Neu App / Tata partner spends; 1.5% NeuCoins on other spends
Welcome Benefit
Welcome NeuCoins worth up to ₹1,500 on first 30 days of card activation
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 Infinia Credit CardMastercard · HDFC Bank | Tata Neu Plus SBI CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | Bank of Baroda | HDFC Bank | SBI Card |
Card | |||
Annual fee | ₹1,500 | ₹12,500 | ₹1,499Best |
Joining fee | ₹1,500 | ₹12,500 | ₹1,499Best |
Reward rate | 4 reward points per ₹100 | 5 reward points per ₹150Best | 5% NeuCoins on Tata Neu App / Tata partner spends; 1.5% NeuCoins on other spends |
Welcome benefit | — | — | Welcome NeuCoins worth up to ₹1,500 on first 30 days of card activation |
Lifetime free | No | No | No |
Network | Visa | Mastercard | Visa |
Best for | rewards, premium | premium, lounge-access, travel | online-shopping, rewards |
Apply |
Bank of Baroda
4 reward points per ₹100 — Best for rewards · premium.
HDFC Bank
5 reward points per ₹150 — Best for premium · lounge-access · travel.
SBI Card
2% NeuCoins + annual fee reversal on ₹1L spend
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