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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Annual fee
₹12,000
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
1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in) — Best for .
Annual fee
₹300
ICICI Bank
Annual Fee
₹12,000
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
Jupiter (Federal Bank)
Annual Fee
Lifetime Free
Reward Rate
2X rewards on online spends
Welcome Benefit
—
Punjab National Bank
Annual Fee
₹300
Reward Rate
1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in)
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 | ICICI Emeralde Credit CardMastercard · ICICI Bank | Jupiter Edge Credit CardVisa · Jupiter (Federal Bank) | PNB Global Gold Credit Card (Visa) — mapped from requested 'pnb-gold'Visa · Punjab National Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | ICICI Bank | Jupiter (Federal Bank) | Punjab National Bank |
Card | |||
Annual fee | ₹12,000 | Lifetime FreeBest | ₹300 |
Joining fee | ₹12,000 | ₹0Best | ₹2,026 |
Reward rate | 4 reward points per ₹100Best | 2X rewards on online spends | 1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in) |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Mastercard | Visa | Visa |
Best for | premium, travel, rewards | online-shopping, lifetime-free | — |
Apply |
ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Jupiter (Federal Bank)
Lifetime free. 2X rewards on online spends — Best for online-shopping · lifetime-free.
Punjab National Bank
1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in) — Best for .
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