Bank of Baroda Select vs Union Bank Visa Signature
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Union Bank Visa Signature Credit Card wins 3 of 8 dimensions with a CardTrail Score of 7.1/10 vs 5.7/10.
| Feature | Bank of Baroda Select | Union Bank Visa Signature |
|---|---|---|
| CardTrail Score | 5.7/10 | 7.1/10 |
| Annual Fee | ₹750 | ₹250 |
| Base Reward Rate | 0.5% | 0.5% |
| Max Reward Rate | 2% | 2% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 0 | 2 |
| 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
- Your primary spend is: general, lounge, rewards
When to Choose Union Bank Visa Signature
- You can meet the fee waiver condition: Spend ₹1L/year
- Airport lounge access matters — 2 domestic visits
- Your primary spend is: general, 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 Union Bank Visa Signature's ₹250 fee at 0.5% rewards, spend ₹4,167/month.