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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · DBS Bank India
Lifetime free. 5X on online & 2X offline — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
Visa · Punjab National Bank
10X rewards on international travel — Best for travel.
Annual fee
₹2,000
Visa · SBI Card
10X rewards on partner online brands; 1X on others — Best for online-shopping · rewards.
Annual fee
₹499
DBS Bank India
Annual Fee
Lifetime Free
Reward Rate
5X on online & 2X offline
Welcome Benefit
—
Punjab National Bank
Annual Fee
₹2,000
Reward Rate
10X rewards on international travel
Welcome Benefit
—
SBI Card
Annual Fee
₹499
Reward Rate
10X rewards on partner online brands; 1X on others
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 | DBS Live Fresh Credit CardMastercard · DBS Bank India | Punjab National Bank Global Credit CardVisa · Punjab National Bank | SBI SimplyCLICK Credit CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | DBS Bank India | Punjab National Bank | SBI Card |
Card | |||
Annual fee | Lifetime FreeBest | ₹2,000 | ₹499 |
Joining fee | ₹0Best | ₹2,000 | ₹499 |
Reward rate | 5X on online & 2X offline | 10X rewards on international travel | 10X rewards on partner online brands; 1X on othersBest |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Mastercard | Visa | Visa |
Best for | online-shopping, lifetime-free | travel | online-shopping, rewards |
Apply |
DBS Bank India
Lifetime free. 5X on online & 2X offline — Best for online-shopping · lifetime-free.
Punjab National Bank
10X rewards on international travel — Best for travel.
SBI Card
10X rewards on partner online brands; 1X on others — Best for online-shopping · rewards.
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