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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · HSBC India
Lifetime free. 2X rewards per ₹100 — Best for lifetime-free · rewards.
Annual fee
Lifetime free
American Express · ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Annual fee
₹6,500
Visa · Punjab National Bank
10X rewards on international travel — Best for travel.
Annual fee
₹2,000
HSBC India
Annual Fee
Lifetime Free
Reward Rate
2X rewards per ₹100
Welcome Benefit
—
ICICI Bank
Annual Fee
₹6,500
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
Punjab National Bank
Annual Fee
₹2,000
Reward Rate
10X rewards on international travel
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 Visa Platinum Credit CardVisa · HSBC India | ICICI Sapphiro Credit CardAmerican Express · ICICI Bank | Punjab National Bank Global Credit CardVisa · Punjab National Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | HSBC India | ICICI Bank | Punjab National Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹6,500 | ₹2,000 |
Joining fee | ₹0Best | ₹6,500 | ₹2,000 |
Reward rate | 2X rewards per ₹100 | 4 reward points per ₹100Best | 10X rewards on international travel |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Visa | American Express | Visa |
Best for | lifetime-free, rewards | premium, travel, rewards | travel |
Apply |
HSBC India
Lifetime free. 2X rewards per ₹100 — Best for lifetime-free · rewards.
ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Punjab National Bank
10X rewards on international travel — Best for travel.
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