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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · Kotak Mahindra Bank
Lifetime free. 2X rewards on online spends — Best for online-shopping · 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
Visa · SBI Card
10X reward points on health — Best for healthcare · rewards.
Annual fee
₹1,499
Kotak Mahindra Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on online spends
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
₹1,499
Reward Rate
10X reward points on health
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 MOJO Credit CardMastercard · Kotak Mahindra Bank | PNB Global Gold Credit Card (Visa) — mapped from requested 'pnb-gold'Visa · Punjab National Bank | SBI Card PulseVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | Kotak Mahindra Bank | Punjab National Bank | SBI Card |
Card | |||
Annual fee | Lifetime FreeBest | ₹300 | ₹1,499 |
Joining fee | ₹0Best | ₹2,026 | ₹1,499 |
Reward rate | 2X rewards on online spends | 1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in)Best | 10X reward points on health |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Mastercard | Visa | Visa |
Best for | online-shopping, lifetime-free | — | healthcare, rewards |
Apply |
Kotak Mahindra Bank
Lifetime free. 2X rewards on online spends — Best for online-shopping · lifetime-free.
Punjab National Bank
1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in) — Best for .
SBI Card
10X reward points on health — Best for healthcare · rewards.
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