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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Bank of Baroda
Lifetime free. 2 Reward Points per ₹100 on all eligible categories (no accelerated category … — Best for .
Annual fee
Lifetime free
Visa · Punjab National Bank
4 reward points per ₹100 — Best for rewards.
Annual fee
₹500
Visa · Standard Chartered
5% cashback on subscriptions & utilities — Best for bill-payments.
Annual fee
₹1,500
Bank of Baroda
Annual Fee
Lifetime Free
Reward Rate
2 Reward Points per ₹100 on all eligible categories (no accelerated category on this card)
Welcome Benefit
—
Punjab National Bank
Annual Fee
₹500
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
Standard Chartered
Annual Fee
₹1,500
Reward Rate
5% cashback on subscriptions & utilities
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 | BOBCARD Prime Credit Card (mapped from requested 'bob-prime-novus')Visa · Bank of Baroda | Punjab National Bank Rakshak Credit CardVisa · Punjab National Bank | Standard Chartered DigiSmart Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | Bank of Baroda | Punjab National Bank | Standard Chartered |
Card | |||
Annual fee | Lifetime FreeBest | ₹500 | ₹1,500 |
Joining fee | ₹0Best | ₹500 | ₹1,500 |
Reward rate | 2 Reward Points per ₹100 on all eligible categories (no accelerated category on this card) | 4 reward points per ₹100Best | 5% cashback on subscriptions & utilities |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Visa | Visa | Visa |
Best for | — | rewards | bill-payments |
Apply |
Bank of Baroda
Lifetime free. 2 Reward Points per ₹100 on all eligible categories (no accelerated category … — Best for .
Punjab National Bank
4 reward points per ₹100 — Best for rewards.
Standard Chartered
5% cashback on subscriptions & utilities — Best for bill-payments.
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