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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
1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in) — Best for .
Annual fee
₹300
Visa · Yes Bank
Lifetime free. 2X reward points on all spends — Best for rewards · lifetime-free.
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
₹300
Reward Rate
1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in)
Welcome Benefit
—
Yes Bank
Annual Fee
Lifetime Free
Reward Rate
2X reward points on all spends
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 Atlas Credit CardMastercard · Axis Bank | PNB Global Gold Credit Card (Visa) — mapped from requested 'pnb-gold'Visa · Punjab National Bank | Yes Bank YES Prosperity Credit CardVisa · Yes Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | Punjab National Bank | Yes Bank |
Card | |||
Annual fee | ₹5,000 | ₹300 | Lifetime FreeBest |
Joining fee | ₹5,000 | ₹2,026 | ₹0Best |
Reward rate | 5 EDGE miles per ₹100 on travel; 2 elsewhereBest | 1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in) | 2X reward points on all spends |
Welcome benefit | 5,000 EDGE Miles on first txn within 30 days | — | — |
Lifetime free | No | No | YesBest |
Network | Mastercard | Visa | Visa |
Best for | travel, miles | — | rewards, lifetime-free |
Apply |
Axis Bank
5 EDGE Miles per ₹100 on travel via SmartHub; 2 elsewhere — 8+8 lounge visits per year
Punjab National Bank
1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in) — Best for .
Yes Bank
Lifetime free. 2X reward points on all spends — Best for rewards · lifetime-free.
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