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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
Annual fee
Lifetime free
Visa · Punjab National Bank
4 reward points per ₹100 — Best for rewards.
Annual fee
₹500
Mastercard · Standard Chartered
5X on travel & dining — Best for travel · dining.
Annual fee
₹2,500
Niyo (DCB Bank)
Annual Fee
Lifetime Free
Reward Rate
2X rewards on forex spends
Welcome Benefit
—
Punjab National Bank
Annual Fee
₹500
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
Standard Chartered
Annual Fee
₹2,500
Reward Rate
5X on travel & dining
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 | Niyo Global Credit CardVisa · Niyo (DCB Bank) | Punjab National Bank Rakshak Credit CardVisa · Punjab National Bank | Standard Chartered Journey Credit CardMastercard · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | Niyo (DCB Bank) | Punjab National Bank | Standard Chartered |
Card | |||
Annual fee | Lifetime FreeBest | ₹500 | ₹2,500 |
Joining fee | ₹0Best | ₹500 | ₹2,500 |
Reward rate | 2X rewards on forex spends | 4 reward points per ₹100Best | 5X on travel & dining |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Visa | Visa | Mastercard |
Best for | travel, lifetime-free | rewards | travel, dining |
Apply |
Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
Punjab National Bank
4 reward points per ₹100 — Best for rewards.
Standard Chartered
5X on travel & dining — Best for travel · dining.
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