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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · HDFC Bank
4 reward points per ₹150 — Best for travel · lounge-access · premium.
Annual fee
₹2,500
Mastercard · IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
Annual fee
₹5,000
Visa · Punjab National Bank
4 reward points per ₹100 — Best for rewards.
Annual fee
₹500
HDFC Bank
Annual Fee
₹2,500
Reward Rate
4 reward points per ₹150
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
₹5,000
Reward Rate
10X reward points on all spends
Welcome Benefit
—
Punjab National Bank
Annual Fee
₹500
Reward Rate
4 reward points per ₹100
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 Regalia Gold Credit CardMastercard · HDFC Bank | IDFC FIRST Ashva Credit CardMastercard · IDFC FIRST Bank | Punjab National Bank Rakshak Credit CardVisa · Punjab National Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | IDFC FIRST Bank | Punjab National Bank |
Card | |||
Annual fee | ₹2,500 | ₹5,000 | ₹500Best |
Joining fee | ₹2,500 | ₹5,000 | ₹500Best |
Reward rate | 4 reward points per ₹150Best | 10X reward points on all spends | 4 reward points per ₹100 |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Mastercard | Mastercard | Visa |
Best for | travel, lounge-access, premium | rewards, premium | rewards |
Apply |
HDFC Bank
4 reward points per ₹150 — Best for travel · lounge-access · premium.
IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
Punjab National Bank
4 reward points per ₹100 — Best for rewards.
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