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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · HDFC Bank
10X cashback on partner spends; 2X on PayZapp — Best for online-shopping · cashback.
Annual fee
₹500
American Express · ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Annual fee
₹6,500
Visa · Punjab National Bank
10X rewards on international travel — Best for travel.
Annual fee
₹2,000
HDFC Bank
Annual Fee
₹500
Reward Rate
10X cashback on partner spends; 2X on PayZapp
Welcome Benefit
—
ICICI Bank
Annual Fee
₹6,500
Reward Rate
4 reward points per ₹100
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 Bank MoneyBack Plus Credit CardVisa · HDFC Bank | ICICI Sapphiro Credit CardAmerican Express · ICICI Bank | Punjab National Bank Global Credit CardVisa · Punjab National Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | ICICI Bank | Punjab National Bank |
Card | |||
Annual fee | ₹500Best | ₹6,500 | ₹2,000 |
Joining fee | ₹500Best | ₹6,500 | ₹2,000 |
Reward rate | 10X cashback on partner spends; 2X on PayZapp | 4 reward points per ₹100Best | 10X rewards on international travel |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | American Express | Visa |
Best for | online-shopping, cashback | premium, travel, rewards | travel |
Apply |
HDFC Bank
10X cashback on partner spends; 2X on PayZapp — Best for online-shopping · cashback.
ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Punjab National Bank
10X rewards on international travel — Best for travel.
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