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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Bank of Baroda
Lifetime free. 2X rewards on fashion & lifestyle — Best for online-shopping · lifestyle.
Annual fee
Lifetime free
Visa · Federal Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · rewards.
Annual fee
Lifetime free
Visa · HSBC India
3 reward points per ₹100 — Best for premium · rewards.
Annual fee
₹5,000
Bank of Baroda
Annual Fee
Lifetime Free
Reward Rate
2X rewards on fashion & lifestyle
Welcome Benefit
—
Federal Bank
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
Welcome Benefit
—
HSBC India
Annual Fee
₹5,000
Reward Rate
3 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 Virgo Credit CardVisa · Bank of Baroda | Federal Bank Celebration Credit CardVisa · Federal Bank | HSBC Premier Credit CardVisa · HSBC India |
|---|---|---|---|
Card image |  |  |  |
Provider | Bank of Baroda | Federal Bank | HSBC India |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | ₹5,000 |
Joining fee | ₹0 | ₹0 | ₹5,000 |
Reward rate | 2X rewards on fashion & lifestyle | 1 reward point per ₹100 | 3 reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | Yes | Yes | No |
Network | Visa | Visa | Visa |
Best for | online-shopping, lifestyle | lifetime-free, rewards | premium, rewards |
Apply |
Bank of Baroda
Lifetime free. 2X rewards on fashion & lifestyle — Best for online-shopping · lifestyle.
Federal Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · rewards.
HSBC India
3 reward points per ₹100 — Best for premium · rewards.
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