We use analytics cookies to understand how visitors interact with our site. By continuing you agree to our use of cookies as described in our Privacy Policy.
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
Visa · Punjab National Bank
10X rewards on international travel — Best for travel.
Annual fee
₹2,000
Visa · SBI Card
Welcome gift of 2,500 IndiGo BluChips
Annual fee
Lifetime free
Axis Bank
Annual Fee
₹500
Reward Rate
2X rewards on UPI spends
Welcome Benefit
—
Punjab National Bank
Annual Fee
₹2,000
Reward Rate
10X rewards on international travel
Welcome Benefit
—
SBI Card
Annual Fee
Lifetime Free
Reward Rate
2 IndiGo BluChips per ₹100 on IndiGo transactions; 1 BluChip per ₹100 on other spends
Welcome Benefit
Welcome gift of up to 2,500 IndiGo BluChips on joining
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 | Punjab National Bank Global Credit CardVisa · Punjab National Bank | IndiGo SBI CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | Punjab National Bank | SBI Card |
Card | |||
Annual fee | ₹500 | ₹2,000 | Lifetime FreeBest |
Joining fee | ₹500 | ₹2,000 | ₹0Best |
Reward rate | 2X rewards on UPI spends | 10X rewards on international travel | 2 IndiGo BluChips per ₹100 on IndiGo transactions; 1 BluChip per ₹100 on other spendsBest |
Welcome benefit | — | — | Welcome gift of up to 2,500 IndiGo BluChips on joining |
Lifetime free | No | No | YesBest |
Network | RuPay | Visa | Visa |
Best for | rewards, upi | travel | airlines, travel |
Apply |
Axis Bank
2X rewards on UPI spends — Best for rewards · upi.
Punjab National Bank
10X rewards on international travel — Best for travel.
SBI Card
Welcome gift of 2,500 IndiGo BluChips
Related Guides
In-depth guides on rewards, lounge access, forex and more.
Related Comparisons
Compare any two cards side-by-side across 140+ issuers.
