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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · HDFC Bank
5 reward points per ₹150 — Best for premium · lounge-access · travel.
Annual fee
₹12,500
Mastercard · Kotak Mahindra Bank
Lifetime free. 2X rewards on online spends — 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
HDFC Bank
Annual Fee
₹12,500
Reward Rate
5 reward points per ₹150
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on online spends
Welcome Benefit
—
Punjab National Bank
Annual Fee
₹2,000
Reward Rate
10X rewards on international travel
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 Infinia Credit CardMastercard · HDFC Bank | Kotak MOJO Credit CardMastercard · Kotak Mahindra Bank | Punjab National Bank Global Credit CardVisa · Punjab National Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | Kotak Mahindra Bank | Punjab National Bank |
Card | |||
Annual fee | ₹12,500 | Lifetime FreeBest | ₹2,000 |
Joining fee | ₹12,500 | ₹0Best | ₹2,000 |
Reward rate | 5 reward points per ₹150Best | 2X rewards on online spends | 10X rewards on international travel |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Mastercard | Mastercard | Visa |
Best for | premium, lounge-access, travel | online-shopping, lifetime-free | travel |
Apply |
HDFC Bank
5 reward points per ₹150 — Best for premium · lounge-access · travel.
Kotak Mahindra Bank
Lifetime free. 2X rewards on online spends — Best for online-shopping · lifetime-free.
Punjab National Bank
10X rewards on international travel — Best for travel.
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