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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · AU Small Finance Bank
2X reward points on online spends; 1 RP per ₹100 on offline spends — Best for .
Annual fee
₹499
Mastercard · Axis Bank
5 EDGE Miles per ₹100 on travel via SmartHub; 2 elsewhere — 8+8 lounge visits per year
Annual fee
₹5,000
Visa · Punjab National Bank
4 reward points per ₹100 — Best for rewards.
Annual fee
₹500
AU Small Finance Bank
Annual Fee
₹499
Reward Rate
2X reward points on online spends; 1 RP per ₹100 on offline spends
Welcome Benefit
—
Axis Bank
Annual Fee
₹5,000
Reward Rate
5 EDGE miles per ₹100 on travel; 2 elsewhere
Welcome Benefit
5,000 EDGE Miles on first txn within 30 days
Punjab National Bank
Annual Fee
₹500
Reward Rate
4 reward points per ₹100
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 | AU Altura+ Credit CardVisa · AU Small Finance Bank | Axis Atlas Credit CardMastercard · Axis Bank | Punjab National Bank Rakshak Credit CardVisa · Punjab National Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | Axis Bank | Punjab National Bank |
Card | |||
Annual fee | ₹499Best | ₹5,000 | ₹500 |
Joining fee | ₹90Best | ₹5,000 | ₹500 |
Reward rate | 2X reward points on online spends; 1 RP per ₹100 on offline spends | 5 EDGE miles per ₹100 on travel; 2 elsewhereBest | 4 reward points per ₹100 |
Welcome benefit | — | 5,000 EDGE Miles on first txn within 30 days | — |
Lifetime free | No | No | No |
Network | Visa | Mastercard | Visa |
Best for | — | travel, miles | rewards |
Apply |
AU Small Finance Bank
2X reward points on online spends; 1 RP per ₹100 on offline spends — Best for .
Axis Bank
5 EDGE Miles per ₹100 on travel via SmartHub; 2 elsewhere — 8+8 lounge visits per year
Punjab National Bank
4 reward points per ₹100 — Best for rewards.
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