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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Axis Bank
4 EDGE Reward Points per Rs 200 (effective 0.4%) — Best for .
Annual fee
₹250
Visa · Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
Annual fee
Lifetime free
Visa · Punjab National Bank
4 reward points per ₹100 — Best for rewards.
Annual fee
₹500
Axis Bank
Annual Fee
₹250
Reward Rate
4 EDGE Reward Points per Rs 200 (effective 0.4%)
Welcome Benefit
—
Niyo (DCB Bank)
Annual Fee
Lifetime Free
Reward Rate
2X rewards on forex spends
Welcome Benefit
—
Punjab National Bank
Annual Fee
₹500
Reward Rate
4 reward points per ₹100
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 Bank Pride Platinum Credit CardVisa · Axis Bank | Niyo Global Credit CardVisa · Niyo (DCB Bank) | Punjab National Bank Rakshak Credit CardVisa · Punjab National Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | Niyo (DCB Bank) | Punjab National Bank |
Card | |||
Annual fee | ₹250 | Lifetime FreeBest | ₹500 |
Joining fee | ₹0 | ₹0 | ₹500 |
Reward rate | 4 EDGE Reward Points per Rs 200 (effective 0.4%)Best | 2X rewards on forex spends | 4 reward points per ₹100 |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Visa | Visa | Visa |
Best for | — | travel, lifetime-free | rewards |
Apply |
Axis Bank
4 EDGE Reward Points per Rs 200 (effective 0.4%) — Best for .
Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
Punjab National Bank
4 reward points per ₹100 — Best for rewards.
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