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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · Axis Bank
2X rewards on dining — Best for dining.
Annual fee
₹750
Visa · HSBC India
2X reward points per ₹100 — Best for rewards.
Annual fee
₹500
Visa · Punjab National Bank
1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in) — Best for .
Annual fee
₹300
Axis Bank
Annual Fee
₹750
Reward Rate
2X rewards on dining
Welcome Benefit
—
HSBC India
Annual Fee
₹500
Reward Rate
2X reward points per ₹100
Welcome Benefit
—
Punjab National Bank
Annual Fee
₹300
Reward Rate
1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in)
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 Aura Credit CardMastercard · Axis Bank | HSBC Smart Value Credit CardVisa · HSBC India | PNB Global Gold Credit Card (Visa) — mapped from requested 'pnb-gold'Visa · Punjab National Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | HSBC India | Punjab National Bank |
Card | |||
Annual fee | ₹750 | ₹500 | ₹300Best |
Joining fee | ₹750 | ₹500Best | ₹2,026 |
Reward rate | 2X rewards on dining | 2X reward points per ₹100Best | 1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in) |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Mastercard | Visa | Visa |
Best for | dining | rewards | — |
Apply |
Axis Bank
2X rewards on dining — Best for dining.
HSBC India
2X reward points per ₹100 — Best for rewards.
Punjab National Bank
1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in) — Best for .
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