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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Bank of Baroda
5X rewards on travel & dining — Best for travel · dining.
Annual fee
₹750
Mastercard · DBS Bank India
Lifetime free. 5X on online & 2X offline — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
Visa · Punjab National Bank
4 reward points per ₹100 — Best for rewards.
Annual fee
₹500
Bank of Baroda
Annual Fee
₹750
Reward Rate
5X rewards on travel & dining
Welcome Benefit
—
DBS Bank India
Annual Fee
Lifetime Free
Reward Rate
5X on online & 2X offline
Welcome Benefit
—
Punjab National Bank
Annual Fee
₹500
Reward Rate
4 reward points per ₹100
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 Select Credit CardVisa · Bank of Baroda | DBS Live Fresh Credit CardMastercard · DBS Bank India | Punjab National Bank Rakshak Credit CardVisa · Punjab National Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Bank of Baroda | DBS Bank India | Punjab National Bank |
Card | |||
Annual fee | ₹750 | Lifetime FreeBest | ₹500 |
Joining fee | ₹750 | ₹0Best | ₹500 |
Reward rate | 5X rewards on travel & dining | 5X on online & 2X offline | 4 reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Visa | Mastercard | Visa |
Best for | travel, dining | online-shopping, lifetime-free | rewards |
Apply |
Bank of Baroda
5X rewards on travel & dining — Best for travel · dining.
DBS Bank India
Lifetime free. 5X on online & 2X offline — Best for online-shopping · lifetime-free.
Punjab National Bank
4 reward points per ₹100 — Best for rewards.
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