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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 · ICICI Bank
2 reward points per ₹100 — Best for rewards.
Annual fee
₹3,000
Mastercard · IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
Annual fee
₹5,000
Bank of Baroda
Annual Fee
₹750
Reward Rate
5X rewards on travel & dining
Welcome Benefit
—
ICICI Bank
Annual Fee
₹3,000
Reward Rate
2 reward points per ₹100
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
₹5,000
Reward Rate
10X reward points on all spends
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 | ICICI Bank Rubyx Credit CardVisa · ICICI Bank | IDFC FIRST Ashva Credit CardMastercard · IDFC FIRST Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Bank of Baroda | ICICI Bank | IDFC FIRST Bank |
Card | |||
Annual fee | ₹750Best | ₹3,000 | ₹5,000 |
Joining fee | ₹750Best | ₹3,000 | ₹5,000 |
Reward rate | 5X rewards on travel & dining | 2 reward points per ₹100Best | 10X reward points on all spends |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Visa | Mastercard |
Best for | travel, dining | rewards | rewards, premium |
Apply |
Bank of Baroda
5X rewards on travel & dining — Best for travel · dining.
ICICI Bank
2 reward points per ₹100 — Best for rewards.
IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
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