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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
Annual fee
₹3,000
Visa · Punjab National Bank
4 reward points per ₹100 — Best for rewards.
Annual fee
₹500
Visa · SBI Card
1 reward point per ₹100 — Best for rewards · beginners.
Annual fee
₹499
Kotak Mahindra Bank
Annual Fee
₹3,000
Reward Rate
4X rewards on selected spends
Welcome Benefit
—
Punjab National Bank
Annual Fee
₹500
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
SBI Card
Annual Fee
₹499
Reward Rate
1 reward point 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 White Reserve Credit CardVisa · Kotak Mahindra Bank | Punjab National Bank Rakshak Credit CardVisa · Punjab National Bank | SBI Unnati Credit CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | Kotak Mahindra Bank | Punjab National Bank | SBI Card |
Card | |||
Annual fee | ₹3,000 | ₹500 | ₹499Best |
Joining fee | ₹3,000 | ₹500 | ₹499Best |
Reward rate | 4X rewards on selected spends | 4 reward points per ₹100Best | 1 reward point per ₹100 |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Visa | Visa |
Best for | rewards, premium | rewards | rewards, beginners |
Apply |
Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
Punjab National Bank
4 reward points per ₹100 — Best for rewards.
SBI Card
1 reward point per ₹100 — Best for rewards · beginners.
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