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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
Visa · Punjab National Bank
1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in) — Best for .
Annual fee
₹300
Mastercard · SBI Card
2 Travel Credits per ₹200 on travel spends; 1 Travel Credit per ₹200 on other… — Best for .
Annual fee
₹1,499
Axis Bank
Annual Fee
₹500
Reward Rate
2X rewards on UPI spends
Welcome Benefit
—
Punjab National Bank
Annual Fee
₹300
Reward Rate
1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in)
Welcome Benefit
—
SBI Card
Annual Fee
₹1,499
Reward Rate
2 Travel Credits per ₹200 on travel spends; 1 Travel Credit per ₹200 on other spends; Travel Credits can be redeemed for Air Miles / Hotel Points (1 Travel Credit = Re. 1) or for Travel Bookings (1 Travel Credit = ₹0.50)
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 | PNB Global Gold Credit Card (Visa) — mapped from requested 'pnb-gold'Visa · Punjab National Bank | SBI Card MILESMastercard · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | Punjab National Bank | SBI Card |
Card | |||
Annual fee | ₹500 | ₹300Best | ₹1,499 |
Joining fee | ₹500Best | ₹2,026 | ₹1,499 |
Reward rate | 2X rewards on UPI spends | 1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in) | 2 Travel Credits per ₹200 on travel spends; 1 Travel Credit per ₹200 on other spends; Travel Credits can be redeemed for Air Miles / Hotel Points (1 Travel Credit = Re. 1) or for Travel Bookings (1 Travel Credit = ₹0.50)Best |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | RuPay | Visa | Mastercard |
Best for | rewards, upi | — | — |
Apply |
Axis Bank
2X rewards on UPI spends — Best for rewards · upi.
Punjab National Bank
1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in) — Best for .
SBI Card
2 Travel Credits per ₹200 on travel spends; 1 Travel Credit per ₹200 on other… — Best for .
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