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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
RuPay · HDFC Bank
2X reward points on UPI spends — Best for rewards · upi.
Annual fee
₹500
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
—
HDFC Bank
Annual Fee
₹500
Reward Rate
2X reward points on UPI spends
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 | HDFC Bank RuPay Credit CardRuPay · HDFC Bank | PNB Global Gold Credit Card (Visa) — mapped from requested 'pnb-gold'Visa · Punjab National Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | HDFC Bank | Punjab National Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹500 | ₹300 |
Joining fee | ₹0Best | ₹500 | ₹2,026 |
Reward rate | 1000 bonus points on ₹20K monthlyBest | 2X reward points on UPI spends | 1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in) |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | American Express | RuPay | Visa |
Best for | rewards, lifetime-free | rewards, upi | — |
Apply |
American Express
Lifetime free. 1000 bonus points on ₹20K monthly — Best for rewards · lifetime-free.
HDFC Bank
2X reward points on UPI spends — Best for rewards · upi.
Punjab National Bank
1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in) — Best for .
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