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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · HDFC Bank
5X rewards on PayZapp — Best for online-shopping · cashback.
Annual fee
₹500
Visa · Punjab National Bank
4 reward points per ₹100 — Best for rewards.
Annual fee
₹500
Mastercard · Standard Chartered
5% cashback on fuel — Best for fuel.
Annual fee
₹750
HDFC Bank
Annual Fee
₹500
Reward Rate
5X rewards on PayZapp
Welcome Benefit
—
Punjab National Bank
Annual Fee
₹500
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
Standard Chartered
Annual Fee
₹750
Reward Rate
5% cashback on fuel
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 PayZapp Credit CardVisa · HDFC Bank | Punjab National Bank Rakshak Credit CardVisa · Punjab National Bank | Standard Chartered Titanium Credit CardMastercard · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | Punjab National Bank | Standard Chartered |
Card | |||
Annual fee | ₹500 | ₹500 | ₹750 |
Joining fee | ₹500 | ₹500 | ₹750 |
Reward rate | 5X rewards on PayZapp | 4 reward points per ₹100Best | 5% cashback on fuel |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Visa | Mastercard |
Best for | online-shopping, cashback | rewards | fuel |
Apply |
HDFC Bank
5X rewards on PayZapp — Best for online-shopping · cashback.
Punjab National Bank
4 reward points per ₹100 — Best for rewards.
Standard Chartered
5% cashback on fuel — Best for fuel.
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