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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · ICICI Bank
2 reward points per ₹100 — Best for rewards.
Annual fee
₹3,000
Visa · IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
Annual fee
₹1,000
Visa · Punjab National Bank
4 reward points per ₹100 — Best for rewards.
Annual fee
₹500
ICICI Bank
Annual Fee
₹3,000
Reward Rate
2 reward points per ₹100
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
₹1,000
Reward Rate
3X on online; 2X offline
Welcome Benefit
—
Punjab National Bank
Annual Fee
₹500
Reward Rate
4 reward points per ₹100
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 Rubyx Credit CardVisa · ICICI Bank | IDFC FIRST Millennia Credit CardVisa · IDFC FIRST Bank | Punjab National Bank Rakshak Credit CardVisa · Punjab National Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | ICICI Bank | IDFC FIRST Bank | Punjab National Bank |
Card | |||
Annual fee | ₹3,000 | ₹1,000 | ₹500Best |
Joining fee | ₹3,000 | ₹1,000 | ₹500Best |
Reward rate | 2 reward points per ₹100 | 3X on online; 2X offline | 4 reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Visa | Visa |
Best for | rewards | online-shopping, rewards | rewards |
Apply |
ICICI Bank
2 reward points per ₹100 — Best for rewards.
IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
Punjab National Bank
4 reward points per ₹100 — Best for rewards.
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