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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 · HSBC India
5X on travel — Best for travel.
Annual fee
₹3,000
Visa · OneCard
Lifetime free. 5X rewards on top spending categories — Best for lifetime-free · app-driven · rewards.
Annual fee
Lifetime free
Bank of Baroda
Annual Fee
₹750
Reward Rate
5X rewards on travel & dining
Welcome Benefit
—
HSBC India
Annual Fee
₹3,000
Reward Rate
5X on travel
Welcome Benefit
—
OneCard
Annual Fee
Lifetime Free
Reward Rate
5X rewards on top spending categories
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 TravelOne Credit CardVisa · HSBC India | OneCard Metal Credit CardVisa · OneCard |
|---|---|---|---|
Card image |  |  |  |
Provider | Bank of Baroda | HSBC India | OneCard |
Card | |||
Annual fee | ₹750 | ₹3,000 | Lifetime FreeBest |
Joining fee | ₹750 | ₹3,000 | ₹0Best |
Reward rate | 5X rewards on travel & dining | 5X on travel | 5X rewards on top spending categories |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Visa | Visa | Visa |
Best for | travel, dining | travel | lifetime-free, app-driven, rewards |
Apply |
Bank of Baroda
5X rewards on travel & dining — Best for travel · dining.
HSBC India
5X on travel — Best for travel.
OneCard
Lifetime free. 5X rewards on top spending categories — Best for lifetime-free · app-driven · rewards.
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