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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · IndusInd Bank
2X rewards on all spends — Best for rewards.
Annual fee
₹1,500
Visa · Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
Annual fee
Lifetime free
Visa · Punjab National Bank
1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in) — Best for .
Annual fee
₹300
IndusInd Bank
Annual Fee
₹1,500
Reward Rate
2X rewards on all spends
Welcome Benefit
—
Niyo (DCB Bank)
Annual Fee
Lifetime Free
Reward Rate
2X rewards on forex spends
Welcome Benefit
—
Punjab National Bank
Annual Fee
₹300
Reward Rate
1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in)
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 | IndusInd Bank Duo Credit CardMastercard · IndusInd Bank | Niyo Global Credit CardVisa · Niyo (DCB Bank) | PNB Global Gold Credit Card (Visa) — mapped from requested 'pnb-gold'Visa · Punjab National Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | IndusInd Bank | Niyo (DCB Bank) | Punjab National Bank |
Card | |||
Annual fee | ₹1,500 | Lifetime FreeBest | ₹300 |
Joining fee | ₹1,500 | ₹0Best | ₹2,026 |
Reward rate | 2X rewards on all spends | 2X rewards on forex spends | 1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in)Best |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Mastercard | Visa | Visa |
Best for | rewards | travel, lifetime-free | — |
Apply |
IndusInd Bank
2X rewards on all spends — Best for rewards.
Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
Punjab National Bank
1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in) — Best for .
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