Bank of Baroda Select vs IndusInd Bank Signature
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
IndusInd Bank Signature Credit Card wins 3 of 8 dimensions with a CardTrail Score of 5.9/10 vs 5.7/10.
| Feature | Bank of Baroda Select | IndusInd Bank Signature |
|---|---|---|
| CardTrail Score | 5.7/10 | 5.9/10 |
| Annual Fee | ₹750 | ₹1,999 |
| Base Reward Rate | 0.5% | 0.75% |
| Max Reward Rate | 2% | 1.5% |
| Forex Markup | 3.5% | 2% |
| Domestic Lounges | 0 | 0 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Visa Signature |
When to Choose Bank of Baroda Select
- You can meet the fee waiver condition: Spend ₹70K/year
- You want higher rewards — up to 2% vs 1.5%
- Your primary spend is: general, lounge, rewards
When to Choose IndusInd Bank Signature
- You can meet the fee waiver condition: Spend ₹2L/year
- You travel internationally — saves ₹1,500/year on ₹1L forex spend
- Your primary spend is: lifestyle, rewards
Forex Cost Comparison
On ₹1,00,000 annual international spending: Bank of Baroda Select costs ₹4,130 in forex fees vs IndusInd Bank Signature at ₹2,360. You save ₹1,770/year with IndusInd Bank Signature.
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 IndusInd Bank Signature's ₹1,999 fee at 0.75% rewards, spend ₹22,211/month.