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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 · HDFC Bank
2 cashback points per ₹150 (1 point = ₹0.25) — Best for cashback · fuel.
Annual fee
₹500
Visa · HDFC Bank
5 reward points per ₹150 — Best for online-shopping · lifestyle.
Annual fee
₹500
Bank of Baroda
Annual Fee
Lifetime Free
Reward Rate
2X rewards on fashion & lifestyle
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
2 cashback points per ₹150 (1 point = ₹0.25)
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
5 reward points per ₹150
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 | HDFC Bank MoneyBack Credit CardVisa · HDFC Bank | HDFC Bank Shopper's Stop Credit CardVisa · HDFC Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Bank of Baroda | HDFC Bank | HDFC Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹500 | ₹500 |
Joining fee | ₹0Best | ₹500 | ₹500 |
Reward rate | 2X rewards on fashion & lifestyle | 2 cashback points per ₹150 (1 point = ₹0.25)Best | 5 reward points per ₹150 |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Visa | Visa | Visa |
Best for | online-shopping, lifestyle | cashback, fuel | online-shopping, lifestyle |
Apply |
Bank of Baroda
Lifetime free. 2X rewards on fashion & lifestyle — Best for online-shopping · lifestyle.
HDFC Bank
2 cashback points per ₹150 (1 point = ₹0.25) — Best for cashback · fuel.
HDFC Bank
5 reward points per ₹150 — Best for online-shopping · lifestyle.
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