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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · HDFC Bank
2 reward points per ₹150 — Best for rewards · everyday.
Annual fee
₹500
Visa · HDFC Bank
10X cashback on partner spends; 2X on PayZapp — Best for online-shopping · cashback.
Annual fee
₹500
Visa · Punjab National Bank
4 reward points per ₹100 — Best for rewards.
Annual fee
₹500
HDFC Bank
Annual Fee
₹500
Reward Rate
2 reward points per ₹150
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
10X cashback on partner spends; 2X on PayZapp
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 | HDFC Bank Bharat Credit CardMastercard · HDFC Bank | HDFC Bank MoneyBack Plus Credit CardVisa · HDFC Bank | Punjab National Bank Rakshak Credit CardVisa · Punjab National Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | HDFC Bank | Punjab National Bank |
Card | |||
Annual fee | ₹500 | ₹500 | ₹500 |
Joining fee | ₹500 | ₹500 | ₹500 |
Reward rate | 2 reward points per ₹150 | 10X cashback on partner spends; 2X on PayZapp | 4 reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Mastercard | Visa | Visa |
Best for | rewards, everyday | online-shopping, cashback | rewards |
Apply |
HDFC Bank
2 reward points per ₹150 — Best for rewards · everyday.
HDFC Bank
10X cashback on partner spends; 2X on PayZapp — Best for online-shopping · cashback.
Punjab National Bank
4 reward points per ₹100 — Best for rewards.
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