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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
American Express · ICICI Bank
3 reward points per ₹100 — Best for premium · luxury.
Annual fee
₹20,000
Visa · Standard Chartered
Lifetime free. 2X rewards on dining — Best for dining · lifetime-free.
Annual fee
Lifetime free
Bank of Baroda
Annual Fee
₹1,500
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
ICICI Bank
Annual Fee
₹20,000
Reward Rate
3 reward points per ₹100
Welcome Benefit
—
Standard Chartered
Annual Fee
Lifetime Free
Reward Rate
2X rewards on dining
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 | ICICI Bank Bvlgari Credit CardAmerican Express · ICICI Bank | Standard Chartered Smart Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | Bank of Baroda | ICICI Bank | Standard Chartered |
Card | |||
Annual fee | ₹1,500 | ₹20,000 | Lifetime FreeBest |
Joining fee | ₹1,500 | ₹20,000 | ₹0Best |
Reward rate | 4 reward points per ₹100Best | 3 reward points per ₹100 | 2X rewards on dining |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Visa | American Express | Visa |
Best for | rewards, premium | premium, luxury | dining, lifetime-free |
Apply |
Bank of Baroda
4 reward points per ₹100 — Best for rewards · premium.
ICICI Bank
3 reward points per ₹100 — Best for premium · luxury.
Standard Chartered
Lifetime free. 2X rewards on dining — Best for dining · lifetime-free.
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