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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
RuPay · Axis Bank
2X rewards on UPI spends — Best for rewards · upi.
Annual fee
₹500
Mastercard · IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
Annual fee
₹5,000
Visa · Punjab National Bank
4 reward points per ₹100 — Best for rewards.
Annual fee
₹500
Axis Bank
Annual Fee
₹500
Reward Rate
2X rewards on UPI spends
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
₹5,000
Reward Rate
10X reward points on all 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 RuPay Credit CardRuPay · Axis Bank | IDFC FIRST Ashva Credit CardMastercard · IDFC FIRST Bank | Punjab National Bank Rakshak Credit CardVisa · Punjab National Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | IDFC FIRST Bank | Punjab National Bank |
Card | |||
Annual fee | ₹500 | ₹5,000 | ₹500 |
Joining fee | ₹500 | ₹5,000 | ₹500 |
Reward rate | 2X rewards on UPI spends | 10X reward points on all spends | 4 reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | RuPay | Mastercard | Visa |
Best for | rewards, upi | rewards, premium | rewards |
Apply |
Axis Bank
2X rewards on UPI spends — Best for rewards · upi.
IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
Punjab National Bank
4 reward points per ₹100 — Best for rewards.
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