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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 · Standard Chartered
5x on travel & dining; 1x others — Best for travel · dining · lounge-access.
Annual fee
₹5,000
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
—
Standard Chartered
Annual Fee
₹5,000
Reward Rate
5x on travel & dining; 1x others
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 | Standard Chartered Ultimate Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | Kotak Mahindra Bank | Punjab National Bank | Standard Chartered |
Card | |||
Annual fee | ₹3,000 | ₹500Best | ₹5,000 |
Joining fee | ₹3,000 | ₹500Best | ₹5,000 |
Reward rate | 4X rewards on selected spends | 4 reward points per ₹100Best | 5x on travel & dining; 1x others |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Visa | Visa |
Best for | rewards, premium | rewards | travel, dining, lounge-access |
Apply |
Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
Punjab National Bank
4 reward points per ₹100 — Best for rewards.
Standard Chartered
5x on travel & dining; 1x others — Best for travel · dining · lounge-access.
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