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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 · HDFC Bank
2 reward points per ₹150 — Best for rewards · everyday.
Annual fee
₹500
Visa · HDFC Bank
5X rewards on PayZapp — Best for online-shopping · cashback.
Annual fee
₹500
Bank of Baroda
Annual Fee
₹750
Reward Rate
5X rewards on travel & dining
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
2 reward points per ₹150
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
5X rewards on PayZapp
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 | HDFC Bank Bharat Credit CardMastercard · HDFC Bank | HDFC Bank PayZapp Credit CardVisa · HDFC Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Bank of Baroda | HDFC Bank | HDFC Bank |
Card | |||
Annual fee | ₹750 | ₹500 | ₹500 |
Joining fee | ₹750 | ₹500 | ₹500 |
Reward rate | 5X rewards on travel & dining | 2 reward points per ₹150Best | 5X rewards on PayZapp |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Mastercard | Visa |
Best for | travel, dining | rewards, everyday | online-shopping, cashback |
Apply |
Bank of Baroda
5X rewards on travel & dining — Best for travel · dining.
HDFC Bank
2 reward points per ₹150 — Best for rewards · everyday.
HDFC Bank
5X rewards on PayZapp — Best for online-shopping · cashback.
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