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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · HSBC India
5X on travel — Best for travel.
Annual fee
₹3,000
Visa · IndusInd Bank
1 reward point per ₹100 — Best for fuel · rewards.
Annual fee
₹500
Visa · Punjab National Bank
4 reward points per ₹100 — Best for rewards.
Annual fee
₹500
HSBC India
Annual Fee
₹3,000
Reward Rate
5X on travel
Welcome Benefit
—
IndusInd Bank
Annual Fee
₹500
Reward Rate
1 reward point per ₹100
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 | HSBC TravelOne Credit CardVisa · HSBC India | IndusInd Bank Celeste Credit CardVisa · IndusInd Bank | Punjab National Bank Rakshak Credit CardVisa · Punjab National Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | HSBC India | IndusInd Bank | Punjab National Bank |
Card | |||
Annual fee | ₹3,000 | ₹500 | ₹500 |
Joining fee | ₹3,000 | ₹500 | ₹500 |
Reward rate | 5X on travel | 1 reward point per ₹100 | 4 reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Visa | Visa |
Best for | travel | fuel, rewards | rewards |
Apply |
HSBC India
5X on travel — Best for travel.
IndusInd Bank
1 reward point per ₹100 — Best for fuel · rewards.
Punjab National Bank
4 reward points per ₹100 — Best for rewards.
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