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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Canara Bank
Lifetime free. 2 Reward Points for every ₹100 spent on PoS and e-commerce transactions — Best for .
Annual fee
Lifetime free
Visa · HDFC Bank
2 cashback points per ₹150 (1 point = ₹0.25) — Best for cashback · fuel.
Annual fee
₹500
Visa · Punjab National Bank
4 reward points per ₹100 — Best for rewards.
Annual fee
₹500
Canara Bank
Annual Fee
Lifetime Free
Reward Rate
2 Reward Points for every ₹100 spent on PoS and e-commerce transactions
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
2 cashback points per ₹150 (1 point = ₹0.25)
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 | Canara Bank Visa Signature Credit CardVisa · Canara Bank | HDFC Bank MoneyBack Credit CardVisa · HDFC Bank | Punjab National Bank Rakshak Credit CardVisa · Punjab National Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Canara Bank | HDFC Bank | Punjab National Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹500 | ₹500 |
Joining fee | ₹0Best | ₹500 | ₹500 |
Reward rate | 2 Reward Points for every ₹100 spent on PoS and e-commerce transactions | 2 cashback points per ₹150 (1 point = ₹0.25)Best | 4 reward points per ₹100 |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Visa | Visa | Visa |
Best for | — | cashback, fuel | rewards |
Apply |
Canara Bank
Lifetime free. 2 Reward Points for every ₹100 spent on PoS and e-commerce transactions — Best for .
HDFC Bank
2 cashback points per ₹150 (1 point = ₹0.25) — Best for cashback · fuel.
Punjab National Bank
4 reward points per ₹100 — Best for rewards.
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