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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Kotak Mahindra Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · beginners.
Annual fee
Lifetime free
Visa · Punjab National Bank
10X rewards on international travel — Best for travel.
Annual fee
₹2,000
Visa · Punjab National Bank
4 reward points per ₹100 — Best for rewards.
Annual fee
₹500
Kotak Mahindra Bank
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
Welcome Benefit
—
Punjab National Bank
Annual Fee
₹2,000
Reward Rate
10X rewards on international travel
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 | Kotak 811 Dream Different Credit CardVisa · Kotak Mahindra Bank | Punjab National Bank Global Credit CardVisa · Punjab National Bank | Punjab National Bank Rakshak Credit CardVisa · Punjab National Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Kotak Mahindra Bank | Punjab National Bank | Punjab National Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹2,000 | ₹500 |
Joining fee | ₹0Best | ₹2,000 | ₹500 |
Reward rate | 1 reward point per ₹100 | 10X rewards on international travel | 4 reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Visa | Visa | Visa |
Best for | lifetime-free, beginners | travel | rewards |
Apply |
Kotak Mahindra Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · beginners.
Punjab National Bank
10X rewards on international travel — Best for travel.
Punjab National Bank
4 reward points per ₹100 — Best for rewards.
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