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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
Visa · HDFC Bank
Lifetime free. 1 reward point per ₹100 — Best for fuel · bill-payments.
Annual fee
Lifetime free
Mastercard · SBI Card
5% cashback on top online brands; 1% on others — Best for cashback · online-shopping.
Annual fee
₹999
Bank of Baroda
Annual Fee
₹750
Reward Rate
5X rewards on travel & dining
Welcome Benefit
—
HDFC Bank
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
Welcome Benefit
—
SBI Card
Annual Fee
₹999
Reward Rate
5% cashback on top online brands; 1% on others
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 IRIS Credit CardVisa · HDFC Bank | SBI Cashback Credit CardMastercard · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | Bank of Baroda | HDFC Bank | SBI Card |
Card | |||
Annual fee | ₹750 | Lifetime FreeBest | ₹999 |
Joining fee | ₹750 | ₹0Best | ₹999 |
Reward rate | 5X rewards on travel & dining | 1 reward point per ₹100Best | 5% cashback on top online brands; 1% on others |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Visa | Visa | Mastercard |
Best for | travel, dining | fuel, bill-payments | cashback, online-shopping |
Apply |
Bank of Baroda
5X rewards on travel & dining — Best for travel · dining.
HDFC Bank
Lifetime free. 1 reward point per ₹100 — Best for fuel · bill-payments.
SBI Card
5% cashback on top online brands; 1% on others — Best for cashback · online-shopping.
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