Bank of Baroda Premier vs IDBI Winnings
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
IDBI Winnings Credit Card wins 6 of 8 dimensions with a CardTrail Score of 8.4/10 vs 7.1/10.
| Feature | Bank of Baroda Premier | IDBI Winnings |
|---|---|---|
| CardTrail Score | 7.1/10 | 8.4/10 |
| Annual Fee | ₹1,000 | ₹899 |
| Base Reward Rate | 0.25% | 2% |
| Max Reward Rate | 1% | 2% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 2 | 8 |
| International Lounges | 0 | 4 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | RuPay |
When to Choose Bank of Baroda Premier
- You can meet the fee waiver condition: Spend ₹1.2L/year
- Your primary spend is: general, lounge
When to Choose IDBI Winnings
- You can meet the fee waiver condition: Spend Rs 90K/year
- You want higher rewards — up to 2% vs 1%
- Airport lounge access matters — 8 domestic visits
- Your primary spend is: lounge, rewards, rupay
Annual Fee Value Analysis
To break even on Bank of Baroda Premier's ₹1,000 fee at 0.25% rewards, spend ₹33,333/month.
To break even on IDBI Winnings's ₹899 fee at 2% rewards, spend ₹3,746/month.