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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
5X on top merchants; 2X on others — Best for rewards · premium.
Annual fee
₹3,000
Visa · Axis Bank
4 EDGE Reward Points per Rs 200 (effective 0.4%) — Best for .
Annual fee
₹250
Visa · Punjab National Bank
10X rewards on international travel — Best for travel.
Annual fee
₹2,000
AU Small Finance Bank
Annual Fee
₹3,000
Reward Rate
5X on top merchants; 2X on others
Welcome Benefit
—
Axis Bank
Annual Fee
₹250
Reward Rate
4 EDGE Reward Points per Rs 200 (effective 0.4%)
Welcome Benefit
—
Punjab National Bank
Annual Fee
₹2,000
Reward Rate
10X rewards on international travel
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 Zenith Credit CardVisa · AU Small Finance Bank | Axis Bank Pride Platinum Credit CardVisa · Axis Bank | Punjab National Bank Global Credit CardVisa · Punjab National Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | Axis Bank | Punjab National Bank |
Card | |||
Annual fee | ₹3,000 | ₹250Best | ₹2,000 |
Joining fee | ₹3,000 | ₹0Best | ₹2,000 |
Reward rate | 5X on top merchants; 2X on others | 4 EDGE Reward Points per Rs 200 (effective 0.4%)Best | 10X rewards on international travel |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Visa | Visa |
Best for | rewards, premium | — | travel |
Apply |
AU Small Finance Bank
5X on top merchants; 2X on others — Best for rewards · premium.
Axis Bank
4 EDGE Reward Points per Rs 200 (effective 0.4%) — Best for .
Punjab National Bank
10X rewards on international travel — Best for travel.
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