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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
1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in) — Best for .
Annual fee
₹300
Visa · Yes Bank
15 reward points per ₹200 — Best for premium · rewards.
Annual fee
₹10,000
ICICI Bank
Annual Fee
₹3,000
Reward Rate
2 reward points per ₹100
Welcome Benefit
—
Punjab National Bank
Annual Fee
₹300
Reward Rate
1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in)
Welcome Benefit
—
Yes Bank
Annual Fee
₹10,000
Reward Rate
15 reward points per ₹200
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 | PNB Global Gold Credit Card (Visa) — mapped from requested 'pnb-gold'Visa · Punjab National Bank | Yes Bank YES First Exclusive Credit CardVisa · Yes Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | ICICI Bank | Punjab National Bank | Yes Bank |
Card | |||
Annual fee | ₹3,000 | ₹300Best | ₹10,000 |
Joining fee | ₹3,000 | ₹2,026Best | ₹10,000 |
Reward rate | 2 reward points per ₹100 | 1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in) | 15 reward points per ₹200Best |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Mastercard | Visa | Visa |
Best for | rewards, lifestyle | — | premium, rewards |
Apply |
ICICI Bank
2 reward points per ₹100 — Best for rewards · lifestyle.
Punjab National Bank
1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in) — Best for .
Yes Bank
15 reward points per ₹200 — Best for premium · rewards.
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