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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
Mastercard · IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
Annual fee
₹5,000
Visa · IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
Annual fee
₹1,000
Bank of Baroda
Annual Fee
Lifetime Free
Reward Rate
2X rewards on fashion & lifestyle
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
₹5,000
Reward Rate
10X reward points on all spends
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
₹1,000
Reward Rate
3X on online; 2X offline
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 | IDFC FIRST Ashva Credit CardMastercard · IDFC FIRST Bank | IDFC FIRST Millennia Credit CardVisa · IDFC FIRST Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Bank of Baroda | IDFC FIRST Bank | IDFC FIRST Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹5,000 | ₹1,000 |
Joining fee | ₹0Best | ₹5,000 | ₹1,000 |
Reward rate | 2X rewards on fashion & lifestyle | 10X reward points on all spends | 3X on online; 2X offlineBest |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Visa | Mastercard | Visa |
Best for | online-shopping, lifestyle | rewards, premium | online-shopping, rewards |
Apply |
Bank of Baroda
Lifetime free. 2X rewards on fashion & lifestyle — Best for online-shopping · lifestyle.
IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
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