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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
4 reward points per ₹100 — Best for rewards.
Annual fee
₹500
Visa · SBI Card
5% Value Back as NeuCoins on non-EMI spends at the Tata Neu App / Website and… — Best for .
Annual fee
₹1,499
HDFC Bank
Annual Fee
₹12,500
Reward Rate
5 reward points per ₹150
Welcome Benefit
—
Punjab National Bank
Annual Fee
₹500
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
SBI Card
Annual Fee
₹1,499
Reward Rate
5% Value Back as NeuCoins on non-EMI spends at the Tata Neu App / Website and partner Tata brands; up to 5% extra Value Back as NeuCoins on select category spends (NeuPass); 1.5% Value Back as NeuCoins on other spends, including UPI transactions (on the RuPay variant); NeuCoins auto-credited to cardholder's NeuPass account within 7 working days of monthly statement cycle
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 | Punjab National Bank Rakshak Credit CardVisa · Punjab National Bank | Tata Neu Infinity SBI CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | Punjab National Bank | SBI Card |
Card | |||
Annual fee | ₹12,500 | ₹500Best | ₹1,499 |
Joining fee | ₹12,500 | ₹500Best | ₹1,499 |
Reward rate | 5 reward points per ₹150Best | 4 reward points per ₹100 | 5% Value Back as NeuCoins on non-EMI spends at the Tata Neu App / Website and partner Tata brands; up to 5% extra Value Back as NeuCoins on select category spends (NeuPass); 1.5% Value Back as NeuCoins on other spends, including UPI transactions (on the RuPay variant); NeuCoins auto-credited to cardholder's NeuPass account within 7 working days of monthly statement cycle |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Mastercard | Visa | Visa |
Best for | premium, lounge-access, travel | rewards | — |
Apply |
HDFC Bank
5 reward points per ₹150 — Best for premium · lounge-access · travel.
Punjab National Bank
4 reward points per ₹100 — Best for rewards.
SBI Card
5% Value Back as NeuCoins on non-EMI spends at the Tata Neu App / Website and… — Best for .
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