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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
American Express · American Express
5X rewards on travel; 1X on others — Best for travel · premium · lounge-access.
Annual fee
₹5,000
Visa · Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
Annual fee
₹3,000
Visa · Punjab National Bank
1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in) — Best for .
Annual fee
₹300
American Express
Annual Fee
₹5,000
Reward Rate
5X rewards on travel; 1X on others
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
₹3,000
Reward Rate
4X rewards on selected 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 Platinum Travel Credit CardAmerican Express · American Express | Kotak White Reserve Credit CardVisa · Kotak Mahindra Bank | PNB Global Gold Credit Card (Visa) — mapped from requested 'pnb-gold'Visa · Punjab National Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | Kotak Mahindra Bank | Punjab National Bank |
Card | |||
Annual fee | ₹5,000 | ₹3,000 | ₹300Best |
Joining fee | ₹5,000 | ₹3,000 | ₹2,026Best |
Reward rate | 5X rewards on travel; 1X on others | 4X rewards on selected spends | 1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in)Best |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | American Express | Visa | Visa |
Best for | travel, premium, lounge-access | rewards, premium | — |
Apply |
American Express
5X rewards on travel; 1X on others — Best for travel · premium · lounge-access.
Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
Punjab National Bank
1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in) — Best for .
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