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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Axis Bank
10% cashback on Swiggy — Best for food-delivery · cashback.
Annual fee
₹500
Visa · HDFC Bank
5X rewards on Amazon/Flipkart/Myntra; 1X on others — Best for online-shopping · cashback.
Annual fee
₹1,000
Visa · Punjab National Bank
1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in) — Best for .
Annual fee
₹300
Axis Bank
Annual Fee
₹500
Reward Rate
10% cashback on Swiggy
Welcome Benefit
—
HDFC Bank
Annual Fee
₹1,000
Reward Rate
5X rewards on Amazon/Flipkart/Myntra; 1X on others
Welcome Benefit
—
Punjab National Bank
Annual Fee
₹300
Reward Rate
1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in)
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 Swiggy Credit CardVisa · Axis Bank | HDFC Bank Millennia Credit CardVisa · HDFC Bank | PNB Global Gold Credit Card (Visa) — mapped from requested 'pnb-gold'Visa · Punjab National Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | HDFC Bank | Punjab National Bank |
Card | |||
Annual fee | ₹500 | ₹1,000 | ₹300Best |
Joining fee | ₹500Best | ₹1,000 | ₹2,026 |
Reward rate | 10% cashback on Swiggy | 5X rewards on Amazon/Flipkart/Myntra; 1X on others | 1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in)Best |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Visa | Visa |
Best for | food-delivery, cashback | online-shopping, cashback | — |
Apply |
Axis Bank
10% cashback on Swiggy — Best for food-delivery · cashback.
HDFC Bank
5X rewards on Amazon/Flipkart/Myntra; 1X on others — Best for online-shopping · cashback.
Punjab National Bank
1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in) — Best for .
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