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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
American Express · American Express
Lifetime free. 1000 bonus points on ₹20K monthly — Best for rewards · lifetime-free.
Annual fee
Lifetime free
Visa · AU Small Finance Bank
Up to 5 Reward Points per ₹100 on shopping, dining & travel — Best for .
Annual fee
₹2,000
Visa · Punjab National Bank
1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in) — Best for .
Annual fee
₹300
American Express
Annual Fee
Lifetime Free
Reward Rate
1000 bonus points on ₹20K monthly
Welcome Benefit
—
AU Small Finance Bank
Annual Fee
₹2,000
Reward Rate
Up to 5 Reward Points per ₹100 on shopping, dining & travel
Welcome Benefit
—
Punjab National Bank
Annual Fee
₹300
Reward Rate
1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in)
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 | Amex Gold Credit CardAmerican Express · American Express | AU Vetta Credit CardVisa · AU Small Finance Bank | PNB Global Gold Credit Card (Visa) — mapped from requested 'pnb-gold'Visa · Punjab National Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | AU Small Finance Bank | Punjab National Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹2,000 | ₹300 |
Joining fee | ₹0 | ₹0 | ₹2,026 |
Reward rate | 1000 bonus points on ₹20K monthlyBest | Up to 5 Reward Points per ₹100 on shopping, dining & travel | 1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in) |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | American Express | Visa | Visa |
Best for | rewards, lifetime-free | — | — |
Apply |
American Express
Lifetime free. 1000 bonus points on ₹20K monthly — Best for rewards · lifetime-free.
AU Small Finance Bank
Up to 5 Reward Points per ₹100 on shopping, dining & travel — Best for .
Punjab National Bank
1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in) — Best for .
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