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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 · ICICI Bank
2 Payback points per ₹100 on dining — Best for dining · rewards.
Annual fee
₹500
Visa · IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
Annual fee
₹1,000
Bank of Baroda
Annual Fee
₹1,500
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
ICICI Bank
Annual Fee
₹500
Reward Rate
2 Payback points per ₹100 on dining
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
₹1,000
Reward Rate
3X on online; 2X offline
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 Coral Credit CardMastercard · ICICI Bank | IDFC FIRST Millennia Credit CardVisa · IDFC FIRST Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Bank of Baroda | ICICI Bank | IDFC FIRST Bank |
Card | |||
Annual fee | ₹1,500 | ₹500Best | ₹1,000 |
Joining fee | ₹1,500 | ₹500Best | ₹1,000 |
Reward rate | 4 reward points per ₹100Best | 2 Payback points per ₹100 on dining | 3X on online; 2X offline |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Mastercard | Visa |
Best for | rewards, premium | dining, rewards | online-shopping, rewards |
Apply |
Bank of Baroda
4 reward points per ₹100 — Best for rewards · premium.
ICICI Bank
2 Payback points per ₹100 on dining — Best for dining · rewards.
IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
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