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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Axis Bank
Lifetime free. 5% cashback on Google Pay — Best for bill-payments · cashback.
Annual fee
Lifetime free
Visa · Punjab National Bank
4 reward points per ₹100 — Best for rewards.
Annual fee
₹500
Visa · SBI Card
Lifetime free. 5% NeuCoins on Tata — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
Axis Bank
Annual Fee
Lifetime Free
Reward Rate
5% cashback on Google Pay
Welcome Benefit
—
Punjab National Bank
Annual Fee
₹500
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
SBI Card
Annual Fee
Lifetime Free
Reward Rate
5% NeuCoins on Tata
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 Neo Credit CardVisa · Axis Bank | Punjab National Bank Rakshak Credit CardVisa · Punjab National Bank | SBI Card Tata NeuVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | Punjab National Bank | SBI Card |
Card | |||
Annual fee | Lifetime Free | ₹500 | Lifetime Free |
Joining fee | ₹0Best | ₹500 | ₹1,499 |
Reward rate | 5% cashback on Google Pay | 4 reward points per ₹100Best | 5% NeuCoins on Tata |
Welcome benefit | — | — | — |
Lifetime free | Yes | No | Yes |
Network | Visa | Visa | Visa |
Best for | bill-payments, cashback | rewards | online-shopping, lifetime-free |
Apply |
Axis Bank
Lifetime free. 5% cashback on Google Pay — Best for bill-payments · cashback.
Punjab National Bank
4 reward points per ₹100 — Best for rewards.
SBI Card
Lifetime free. 5% NeuCoins on Tata — Best for online-shopping · lifetime-free.
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