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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
Visa · HDFC Bank
5X rewards on PayZapp — Best for online-shopping · cashback.
Annual fee
₹500
Visa · Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
Annual fee
Lifetime free
Bank of Baroda
Annual Fee
₹1,500
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
5X rewards on PayZapp
Welcome Benefit
—
Niyo (DCB Bank)
Annual Fee
Lifetime Free
Reward Rate
2X rewards on forex spends
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 | HDFC Bank PayZapp Credit CardVisa · HDFC Bank | Niyo Global Credit CardVisa · Niyo (DCB Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | Bank of Baroda | HDFC Bank | Niyo (DCB Bank) |
Card | |||
Annual fee | ₹1,500 | ₹500 | Lifetime FreeBest |
Joining fee | ₹1,500 | ₹500 | ₹0Best |
Reward rate | 4 reward points per ₹100Best | 5X rewards on PayZapp | 2X rewards on forex spends |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Visa | Visa | Visa |
Best for | rewards, premium | online-shopping, cashback | travel, lifetime-free |
Apply |
Bank of Baroda
4 reward points per ₹100 — Best for rewards · premium.
HDFC Bank
5X rewards on PayZapp — Best for online-shopping · cashback.
Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
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