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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
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
10X rewards on international travel — Best for travel.
Annual fee
₹2,000
Visa · SBI Card
Welcome gift of 2,500 IndiGo BluChips
Annual fee
Lifetime free
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
₹2,000
Reward Rate
10X rewards on international travel
Welcome Benefit
—
SBI Card
Annual Fee
Lifetime Free
Reward Rate
2 IndiGo BluChips per ₹100 on IndiGo transactions; 1 BluChip per ₹100 on other spends
Welcome Benefit
Welcome gift of up to 2,500 IndiGo BluChips on joining
Side by side
Every fee, reward and benefit in one place — the winning card in each row is marked with a check.
CategoryFeature | Axis Atlas Credit CardMastercard · Axis Bank | Punjab National Bank Global Credit CardVisa · Punjab National Bank | IndiGo SBI CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | Punjab National Bank | SBI Card |
Card | |||
Annual fee | ₹5,000 | ₹2,000 | Lifetime FreeBest |
Joining fee | ₹5,000 | ₹2,000 | ₹0Best |
Reward rate | 5 EDGE miles per ₹100 on travel; 2 elsewhere | 10X rewards on international travel | 2 IndiGo BluChips per ₹100 on IndiGo transactions; 1 BluChip per ₹100 on other spendsBest |
Welcome benefit | 5,000 EDGE Miles on first txn within 30 days | — | Welcome gift of up to 2,500 IndiGo BluChips on joining |
Lifetime free | No | No | YesBest |
Network | Mastercard | Visa | Visa |
Best for | travel, miles | travel | airlines, travel |
Apply |
Axis Bank
5 EDGE Miles per ₹100 on travel via SmartHub; 2 elsewhere — 8+8 lounge visits per year
Punjab National Bank
10X rewards on international travel — Best for travel.
SBI Card
Welcome gift of 2,500 IndiGo BluChips
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