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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · ICICI Bank
2 reward points per ₹100 — Best for rewards · lifestyle.
Annual fee
₹3,000
Visa · Punjab National Bank
10X rewards on international travel — Best for travel.
Annual fee
₹2,000
Visa · SBI Card
5X reward points on BPCL fuel — Best for fuel.
Annual fee
₹1,499
ICICI Bank
Annual Fee
₹3,000
Reward Rate
2 reward points per ₹100
Welcome Benefit
—
Punjab National Bank
Annual Fee
₹2,000
Reward Rate
10X rewards on international travel
Welcome Benefit
—
SBI Card
Annual Fee
₹1,499
Reward Rate
5X reward points on BPCL fuel
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 Gemstone Credit CardMastercard · ICICI Bank | Punjab National Bank Global Credit CardVisa · Punjab National Bank | SBI BPCL Credit CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | ICICI Bank | Punjab National Bank | SBI Card |
Card | |||
Annual fee | ₹3,000 | ₹2,000 | ₹1,499Best |
Joining fee | ₹3,000 | ₹2,000 | ₹1,499Best |
Reward rate | 2 reward points per ₹100Best | 10X rewards on international travel | 5X reward points on BPCL fuel |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Mastercard | Visa | Visa |
Best for | rewards, lifestyle | travel | fuel |
Apply |
ICICI Bank
2 reward points per ₹100 — Best for rewards · lifestyle.
Punjab National Bank
10X rewards on international travel — Best for travel.
SBI Card
5X reward points on BPCL fuel — Best for fuel.
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