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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
Visa · Jupiter (Federal Bank)
Lifetime free. 2X rewards on online spends — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
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
—
Jupiter (Federal Bank)
Annual Fee
Lifetime Free
Reward Rate
2X rewards on online 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 | Jupiter Edge Credit CardVisa · Jupiter (Federal Bank) | Punjab National Bank Rakshak Credit CardVisa · Punjab National Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | Jupiter (Federal Bank) | Punjab National Bank |
Card | |||
Annual fee | ₹2,500 | Lifetime FreeBest | ₹500 |
Joining fee | ₹2,500 | ₹0Best | ₹500 |
Reward rate | 4 reward points per ₹150Best | 2X rewards on online spends | 4 reward points per ₹100 |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Mastercard | Visa | Visa |
Best for | travel, lounge-access, premium | online-shopping, lifetime-free | rewards |
Apply |
HDFC Bank
4 reward points per ₹150 — Best for travel · lounge-access · premium.
Jupiter (Federal Bank)
Lifetime free. 2X rewards on online spends — Best for online-shopping · lifetime-free.
Punjab National Bank
4 reward points per ₹100 — Best for rewards.
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