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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · ICICI Bank
Lifetime free. 2X rewards on dining & lifestyle — Best for dining · lifestyle.
Annual fee
Lifetime free
Visa · Punjab National Bank
10X rewards on international travel — Best for travel.
Annual fee
₹2,000
Mastercard · SBI Card
5% cashback on top online brands; 1% on others — Best for cashback · online-shopping.
Annual fee
₹999
ICICI Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on dining & lifestyle
Welcome Benefit
—
Punjab National Bank
Annual Fee
₹2,000
Reward Rate
10X rewards on international travel
Welcome Benefit
—
SBI Card
Annual Fee
₹999
Reward Rate
5% cashback on top online brands; 1% on others
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 Bank Femina Credit CardMastercard · ICICI Bank | Punjab National Bank Global Credit CardVisa · Punjab National Bank | SBI Cashback Credit CardMastercard · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | ICICI Bank | Punjab National Bank | SBI Card |
Card | |||
Annual fee | Lifetime FreeBest | ₹2,000 | ₹999 |
Joining fee | ₹0Best | ₹2,000 | ₹999 |
Reward rate | 2X rewards on dining & lifestyle | 10X rewards on international travel | 5% cashback on top online brands; 1% on othersBest |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Mastercard | Visa | Mastercard |
Best for | dining, lifestyle | travel | cashback, online-shopping |
Apply |
ICICI Bank
Lifetime free. 2X rewards on dining & lifestyle — Best for dining · lifestyle.
Punjab National Bank
10X rewards on international travel — Best for travel.
SBI Card
5% cashback on top online brands; 1% on others — Best for cashback · online-shopping.
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