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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · IDFC FIRST Bank
Lifetime free. 3X on top categories; 1X others — Best for lifetime-free · rewards · lounge-access.
Annual fee
Lifetime free
Visa · Punjab National Bank
10X rewards on international travel — Best for travel.
Annual fee
₹2,000
Mastercard · RBL Bank
2X reward points per ₹100 — Best for rewards.
Annual fee
₹500
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X on top categories; 1X others
Welcome Benefit
—
Punjab National Bank
Annual Fee
₹2,000
Reward Rate
10X rewards on international travel
Welcome Benefit
—
RBL Bank
Annual Fee
₹500
Reward Rate
2X 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 | IDFC FIRST Select Credit CardVisa · IDFC FIRST Bank | Punjab National Bank Global Credit CardVisa · Punjab National Bank | RBL Bank Platinum Plus Credit CardMastercard · RBL Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | IDFC FIRST Bank | Punjab National Bank | RBL Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹2,000 | ₹500 |
Joining fee | ₹0Best | ₹2,000 | ₹500 |
Reward rate | 3X on top categories; 1X others | 10X rewards on international travel | 2X reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Visa | Visa | Mastercard |
Best for | lifetime-free, rewards, lounge-access | travel | rewards |
Apply |
IDFC FIRST Bank
Lifetime free. 3X on top categories; 1X others — Best for lifetime-free · rewards · lounge-access.
Punjab National Bank
10X rewards on international travel — Best for travel.
RBL Bank
2X reward points per ₹100 — Best for rewards.
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