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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · ICICI Bank
Lifetime free. MMT Black membership; rewards on MMT — Best for travel · hotels.
Annual fee
Lifetime free
Visa · Punjab National Bank
1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in) — Best for .
Annual fee
₹300
Visa · SBI Card
10X rewards on partner online brands; 1X on others — Best for online-shopping · rewards.
Annual fee
₹499
ICICI Bank
Annual Fee
Lifetime Free
Reward Rate
MMT Black membership; rewards on MMT
Welcome Benefit
—
Punjab National Bank
Annual Fee
₹300
Reward Rate
1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in)
Welcome Benefit
—
SBI Card
Annual Fee
₹499
Reward Rate
10X rewards on partner online brands; 1X 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 MakeMyTrip Credit CardVisa · ICICI Bank | PNB Global Gold Credit Card (Visa) — mapped from requested 'pnb-gold'Visa · Punjab National Bank | SBI SimplyCLICK Credit CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | ICICI Bank | Punjab National Bank | SBI Card |
Card | |||
Annual fee | Lifetime FreeBest | ₹300 | ₹499 |
Joining fee | ₹0Best | ₹2,026 | ₹499 |
Reward rate | MMT Black membership; rewards on MMT | 1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in)Best | 10X rewards on partner online brands; 1X on others |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Visa | Visa | Visa |
Best for | travel, hotels | — | online-shopping, rewards |
Apply |
ICICI Bank
Lifetime free. MMT Black membership; rewards on MMT — Best for travel · hotels.
Punjab National Bank
1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in) — Best for .
SBI Card
10X rewards on partner online brands; 1X on others — Best for online-shopping · rewards.
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