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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. 10X on Amazon/Flipkart (cap); 5X on others — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
Visa · Punjab National Bank
1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in) — Best for .
Annual fee
₹300
Visa · SBI Card
7.5% cashback on Myntra, 5% cashback on Flipkart
Annual fee
₹500
American Express
Annual Fee
Lifetime Free
Reward Rate
10X on Amazon/Flipkart (cap); 5X on others
Welcome Benefit
—
Punjab National Bank
Annual Fee
₹300
Reward Rate
1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in)
Welcome Benefit
—
SBI Card
Annual Fee
₹500
Reward Rate
7.5% cashback on Myntra; 5% cashback on Flipkart; 1% cashback on all other spends
Welcome Benefit
Welcome cashback worth ₹500 on first transaction
Side by side
Every fee, reward and benefit in one place — the winning card in each row is marked with a check.
CategoryFeature | Amex SmartEarn Credit CardAmerican Express · American Express | PNB Global Gold Credit Card (Visa) — mapped from requested 'pnb-gold'Visa · Punjab National Bank | Flipkart SBI CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | American Express | Punjab National Bank | SBI Card |
Card | |||
Annual fee | Lifetime FreeBest | ₹300 | ₹500 |
Joining fee | ₹0Best | ₹2,026 | ₹500 |
Reward rate | 10X on Amazon/Flipkart (cap); 5X on others | 1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in)Best | 7.5% cashback on Myntra; 5% cashback on Flipkart; 1% cashback on all other spends |
Welcome benefit | — | — | Welcome cashback worth ₹500 on first transaction |
Lifetime free | YesBest | No | No |
Network | American Express | Visa | Visa |
Best for | online-shopping, lifetime-free | — | flipkart, online-shopping, cashback |
Apply |
American Express
Lifetime free. 10X on Amazon/Flipkart (cap); 5X on others — Best for online-shopping · lifetime-free.
Punjab National Bank
1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in) — Best for .
SBI Card
7.5% cashback on Myntra, 5% cashback on Flipkart
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