Bank of Baroda Select vs IDBI Euphoria
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
IDBI Euphoria Credit Card wins 3 of 8 dimensions with a CardTrail Score of 7.9/10 vs 5.7/10.
| Feature | Bank of Baroda Select | IDBI Euphoria |
|---|---|---|
| CardTrail Score | 5.7/10 | 7.9/10 |
| Annual Fee | ₹750 | ₹1,499 |
| Base Reward Rate | 0.5% | 3% |
| Max Reward Rate | 2% | 6% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 0 | -1 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Mastercard |
When to Choose Bank of Baroda Select
- You can meet the fee waiver condition: Spend ₹70K/year
- Airport lounge access matters — 0 domestic visits
- Your primary spend is: general, lounge, rewards
When to Choose IDBI Euphoria
- You can meet the fee waiver condition: Spend Rs 1.5L/year
- You want higher rewards — up to 6% vs 2%
- Your primary spend is: travel, lounge, rewards
Annual Fee Value Analysis
To break even on Bank of Baroda Select's ₹750 fee at 0.5% rewards, spend ₹12,500/month.
To break even on IDBI Euphoria's ₹1,499 fee at 3% rewards, spend ₹4,164/month.