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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
5,000 IndiGo BluChips & 6E Eats voucher
Annual fee
₹4,500
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
₹4,500
Reward Rate
5 IndiGo BluChips per ₹100 on IndiGo transactions; 2 BluChips per ₹100 on dining, grocery, entertainment
Welcome Benefit
Welcome gift of 5,000 IndiGo BluChips + 6E Eats voucher
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 | IndiGo SBI Card ELITEVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | Punjab National Bank | SBI Card |
Card | |||
Annual fee | ₹12,500 | ₹500Best | ₹4,500 |
Joining fee | ₹12,500 | ₹500Best | ₹4,500 |
Reward rate | 5 reward points per ₹150 | 4 reward points per ₹100 | 5 IndiGo BluChips per ₹100 on IndiGo transactions; 2 BluChips per ₹100 on dining, grocery, entertainmentBest |
Welcome benefit | — | — | Welcome gift of 5,000 IndiGo BluChips + 6E Eats voucher |
Lifetime free | No | No | No |
Network | Mastercard | Visa | Visa |
Best for | premium, lounge-access, travel | rewards | airlines, travel, premium |
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
5,000 IndiGo BluChips & 6E Eats voucher
Related Guides
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