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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 · HSBC India
Lifetime free. 2X rewards per ₹100 — Best for lifetime-free · 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
₹1,500
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
HSBC India
Annual Fee
Lifetime Free
Reward Rate
2X rewards per ₹100
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 | Bank of Baroda Prime Credit CardVisa · Bank of Baroda | HSBC Visa Platinum Credit CardVisa · HSBC India | Uni Pay Credit CardVisa · Uni (SBM Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | Bank of Baroda | HSBC India | Uni (SBM Bank) |
Card | |||
Annual fee | ₹1,500 | Lifetime Free | Lifetime Free |
Joining fee | ₹1,500 | ₹0 | ₹0 |
Reward rate | 4 reward points per ₹100Best | 2X rewards per ₹100 | 2X rewards on UPI |
Welcome benefit | — | — | — |
Lifetime free | No | Yes | Yes |
Network | Visa | Visa | Visa |
Best for | rewards, premium | lifetime-free, rewards | upi, cashback, lifetime-free |
Apply |
Bank of Baroda
4 reward points per ₹100 — Best for rewards · premium.
HSBC India
Lifetime free. 2X rewards per ₹100 — Best for lifetime-free · rewards.
Uni (SBM Bank)
Lifetime free. 2X rewards on UPI — Best for upi · cashback · lifetime-free.
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