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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
Visa · Punjab National Bank
10X rewards on international travel — Best for travel.
Annual fee
₹2,000
Visa · SBI Card
5X rewards on dining, departmental stores & grocery. 8 domestic + 6 international lounge visits. 1.99% lowest forex markup.
Annual fee
₹4,999
HDFC Bank
Annual Fee
₹12,500
Reward Rate
5 reward points per ₹150
Welcome Benefit
—
Punjab National Bank
Annual Fee
₹2,000
Reward Rate
10X rewards on international travel
Welcome Benefit
—
SBI Card
Annual Fee
₹4,999
Reward Rate
5 Reward Points per ₹100 on dining, departmental stores and grocery; 2 Reward Points per ₹100 on all other retail spends; 1 Reward Point = Re. 0.25
Welcome Benefit
Up to 5,000 Bonus Reward Points as welcome gift on payment of joining fee, plus complimentary 1-year Club ITC Silver Tier membership on first transaction within 60 days of card activation.
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 | Punjab National Bank Global Credit CardVisa · Punjab National Bank | SBI Card ELITEVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | Punjab National Bank | SBI Card |
Card | |||
Annual fee | ₹12,500 | ₹2,000Best | ₹4,999 |
Joining fee | ₹12,500 | ₹2,000Best | ₹4,999 |
Reward rate | 5 reward points per ₹150 | 10X rewards on international travel | 5 Reward Points per ₹100 on dining, departmental stores and grocery; 2 Reward Points per ₹100 on all other retail spends; 1 Reward Point = Re. 0.25Best |
Welcome benefit | — | — | Up to 5,000 Bonus Reward Points as welcome gift on payment of joining fee, plus complimentary 1-year Club ITC Silver Tier membership on first transaction within 60 days of card activation. |
Lifetime free | No | No | No |
Network | Mastercard | Visa | Visa |
Best for | premium, lounge-access, travel | travel | premium, lounge-access, dining, forex, milestone |
Apply |
HDFC Bank
5 reward points per ₹150 — Best for premium · lounge-access · travel.
Punjab National Bank
10X rewards on international travel — Best for travel.
SBI Card
5X rewards on dining, departmental stores & grocery. 8 domestic + 6 international lounge visits. 1.99% lowest forex markup.
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