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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
10X cashback on partner spends; 2X on PayZapp — Best for online-shopping · cashback.
Annual fee
₹500
Visa · Punjab National Bank
10X rewards on international travel — Best for travel.
Annual fee
₹2,000
Bank of Baroda
Annual Fee
₹750
Reward Rate
5X rewards on travel & dining
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
10X cashback on partner spends; 2X on PayZapp
Welcome Benefit
—
Punjab National Bank
Annual Fee
₹2,000
Reward Rate
10X rewards on international travel
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 MoneyBack Plus Credit CardVisa · HDFC Bank | Punjab National Bank Global Credit CardVisa · Punjab National Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Bank of Baroda | HDFC Bank | Punjab National Bank |
Card | |||
Annual fee | ₹750 | ₹500Best | ₹2,000 |
Joining fee | ₹750 | ₹500Best | ₹2,000 |
Reward rate | 5X rewards on travel & dining | 10X cashback on partner spends; 2X on PayZappBest | 10X rewards on international travel |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Visa | Visa |
Best for | travel, dining | online-shopping, cashback | travel |
Apply |
Bank of Baroda
5X rewards on travel & dining — Best for travel · dining.
HDFC Bank
10X cashback on partner spends; 2X on PayZapp — Best for online-shopping · cashback.
Punjab National Bank
10X rewards on international travel — Best for travel.
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