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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · Axis Bank
Lifetime free. 2% on bill pays; 1% on others — Best for lifetime-free · cashback · bill-payments.
Annual fee
Lifetime free
RuPay · HDFC Bank
2X reward points on UPI spends — Best for rewards · upi.
Annual fee
₹500
Visa · Punjab National Bank
10X rewards on international travel — Best for travel.
Annual fee
₹2,000
Axis Bank
Annual Fee
Lifetime Free
Reward Rate
2% on bill pays; 1% on others
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
2X reward points on UPI spends
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 | Axis Ace Credit CardMastercard · Axis Bank | HDFC Bank RuPay Credit CardRuPay · HDFC Bank | Punjab National Bank Global Credit CardVisa · Punjab National Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | HDFC Bank | Punjab National Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹500 | ₹2,000 |
Joining fee | ₹0Best | ₹500 | ₹2,000 |
Reward rate | 2% on bill pays; 1% on othersBest | 2X reward points on UPI spends | 10X rewards on international travel |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Mastercard | RuPay | Visa |
Best for | lifetime-free, cashback, bill-payments | rewards, upi | travel |
Apply |
Axis Bank
Lifetime free. 2% on bill pays; 1% on others — Best for lifetime-free · cashback · bill-payments.
HDFC Bank
2X reward points on UPI spends — Best for rewards · upi.
Punjab National Bank
10X rewards on international travel — Best for travel.
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