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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Federal Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · rewards.
Annual fee
Lifetime free
Mastercard · HDFC Bank
4 reward points per ₹150 — Best for travel · lounge-access · premium.
Annual fee
₹2,500
Visa · Punjab National Bank
4 reward points per ₹100 — Best for rewards.
Annual fee
₹500
Federal Bank
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
Welcome Benefit
—
HDFC Bank
Annual Fee
₹2,500
Reward Rate
4 reward points per ₹150
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 | Federal Bank Celebration Credit CardVisa · Federal Bank | HDFC Bank Regalia Gold Credit CardMastercard · HDFC Bank | Punjab National Bank Rakshak Credit CardVisa · Punjab National Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Federal Bank | HDFC Bank | Punjab National Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹2,500 | ₹500 |
Joining fee | ₹0Best | ₹2,500 | ₹500 |
Reward rate | 1 reward point per ₹100 | 4 reward points per ₹150Best | 4 reward points per ₹100 |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Visa | Mastercard | Visa |
Best for | lifetime-free, rewards | travel, lounge-access, premium | rewards |
Apply |
Federal Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · rewards.
HDFC Bank
4 reward points per ₹150 — Best for travel · lounge-access · premium.
Punjab National Bank
4 reward points per ₹100 — Best for rewards.
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