We use analytics cookies to understand how visitors interact with our site. By continuing you agree to our use of cookies as described in our Privacy Policy.
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 · HSBC India
3 reward points per ₹100 — Best for premium · rewards.
Annual fee
₹5,000
Mastercard · ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Annual fee
₹12,000
Bank of Baroda
Annual Fee
₹750
Reward Rate
5X rewards on travel & dining
Welcome Benefit
—
HSBC India
Annual Fee
₹5,000
Reward Rate
3 reward points per ₹100
Welcome Benefit
—
ICICI Bank
Annual Fee
₹12,000
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 | HSBC Premier Credit CardVisa · HSBC India | ICICI Emeralde Credit CardMastercard · ICICI Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Bank of Baroda | HSBC India | ICICI Bank |
Card | |||
Annual fee | ₹750Best | ₹5,000 | ₹12,000 |
Joining fee | ₹750Best | ₹5,000 | ₹12,000 |
Reward rate | 5X rewards on travel & dining | 3 reward points per ₹100 | 4 reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Visa | Mastercard |
Best for | travel, dining | premium, rewards | premium, travel, rewards |
Apply |
Bank of Baroda
5X rewards on travel & dining — Best for travel · dining.
HSBC India
3 reward points per ₹100 — Best for premium · rewards.
ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Related Guides
In-depth guides on rewards, lounge access, forex and more.
Related Comparisons
Compare any two cards side-by-side across 140+ issuers.
