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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · HDFC Bank
2 cashback points per ₹150 (1 point = ₹0.25) — Best for cashback · fuel.
Annual fee
₹500
Visa · HSBC India
5X on travel — Best for travel.
Annual fee
₹3,000
Visa · Punjab National Bank
10X rewards on international travel — Best for travel.
Annual fee
₹2,000
HDFC Bank
Annual Fee
₹500
Reward Rate
2 cashback points per ₹150 (1 point = ₹0.25)
Welcome Benefit
—
HSBC India
Annual Fee
₹3,000
Reward Rate
5X on travel
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 Credit CardVisa · HDFC Bank | HSBC TravelOne Credit CardVisa · HSBC India | Punjab National Bank Global Credit CardVisa · Punjab National Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | HSBC India | Punjab National Bank |
Card | |||
Annual fee | ₹500Best | ₹3,000 | ₹2,000 |
Joining fee | ₹500Best | ₹3,000 | ₹2,000 |
Reward rate | 2 cashback points per ₹150 (1 point = ₹0.25)Best | 5X on travel | 10X rewards on international travel |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Visa | Visa |
Best for | cashback, fuel | travel | travel |
Apply |
HDFC Bank
2 cashback points per ₹150 (1 point = ₹0.25) — Best for cashback · fuel.
HSBC India
5X on travel — Best for travel.
Punjab National Bank
10X rewards on international travel — Best for travel.
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