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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · HDFC Bank
5X on Myntra; 2X on others — Best for online-shopping · myntra · fashion.
Annual fee
₹500
Visa · OneCard
Lifetime free. 5X rewards on top categories — Best for lifetime-free · app-driven · rewards.
Annual fee
Lifetime free
Visa · Punjab National Bank
1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in) — Best for .
Annual fee
₹300
HDFC Bank
Annual Fee
₹500
Reward Rate
5X on Myntra; 2X on others
Welcome Benefit
—
OneCard
Annual Fee
Lifetime Free
Reward Rate
5X rewards on top categories
Welcome Benefit
—
Punjab National Bank
Annual Fee
₹300
Reward Rate
1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in)
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 | Myntra HDFC Bank Credit CardVisa · HDFC Bank | OneCard RuPay Credit CardVisa · OneCard | PNB Global Gold Credit Card (Visa) — mapped from requested 'pnb-gold'Visa · Punjab National Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | OneCard | Punjab National Bank |
Card | |||
Annual fee | ₹500 | Lifetime FreeBest | ₹300 |
Joining fee | ₹500 | ₹0Best | ₹2,026 |
Reward rate | 5X on Myntra; 2X on others | 5X rewards on top categories | 1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in)Best |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Visa | Visa | Visa |
Best for | online-shopping, myntra, fashion | lifetime-free, app-driven, rewards, upi | — |
Apply |
HDFC Bank
5X on Myntra; 2X on others — Best for online-shopping · myntra · fashion.
OneCard
Lifetime free. 5X rewards on top categories — Best for lifetime-free · app-driven · rewards.
Punjab National Bank
1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in) — Best for .
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