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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
RuPay · Federal Bank
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
Annual fee
Lifetime free
Visa · IDFC FIRST Bank
Lifetime free. 3X on top categories; 1X others — Best for lifetime-free · rewards · lounge-access.
Annual fee
Lifetime free
Bank of Baroda
Annual Fee
Lifetime Free
Reward Rate
2X rewards on fashion & lifestyle
Welcome Benefit
—
Federal Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X on top categories; 1X others
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 RuPay Credit CardRuPay · Federal Bank | IDFC FIRST Select Credit CardVisa · IDFC FIRST Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Bank of Baroda | Federal Bank | IDFC FIRST Bank |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | Lifetime Free |
Joining fee | ₹0 | ₹0 | ₹0 |
Reward rate | 2X rewards on fashion & lifestyle | 2X rewards on UPI | 3X on top categories; 1X othersBest |
Welcome benefit | — | — | — |
Lifetime free | Yes | Yes | Yes |
Network | Visa | RuPay | Visa |
Best for | online-shopping, lifestyle | rewards, upi, lifetime-free | lifetime-free, rewards, lounge-access |
Apply |
Bank of Baroda
Lifetime free. 2X rewards on fashion & lifestyle — Best for online-shopping · lifestyle.
Federal Bank
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
IDFC FIRST Bank
Lifetime free. 3X on top categories; 1X others — Best for lifetime-free · rewards · lounge-access.
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