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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Punjab National Bank
10X rewards on international travel — Best for travel.
Annual fee
₹2,000
Visa · SBI Card
5 reward points per ₹100 — Best for premium · travel.
Annual fee
₹10,000
Visa · Standard Chartered
5% cashback on subscriptions & utilities — Best for bill-payments.
Annual fee
₹1,500
Punjab National Bank
Annual Fee
₹2,000
Reward Rate
10X rewards on international travel
Welcome Benefit
—
SBI Card
Annual Fee
₹10,000
Reward Rate
5 reward points per ₹100
Welcome Benefit
—
Standard Chartered
Annual Fee
₹1,500
Reward Rate
5% cashback on subscriptions & utilities
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 | Punjab National Bank Global Credit CardVisa · Punjab National Bank | SBI Card AurionVisa · SBI Card | Standard Chartered DigiSmart Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | Punjab National Bank | SBI Card | Standard Chartered |
Card | |||
Annual fee | ₹2,000 | ₹10,000 | ₹1,500Best |
Joining fee | ₹2,000 | ₹10,000 | ₹1,500Best |
Reward rate | 10X rewards on international travel | 5 reward points per ₹100Best | 5% cashback on subscriptions & utilities |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Visa | Visa |
Best for | travel | premium, travel | bill-payments |
Apply |
Punjab National Bank
10X rewards on international travel — Best for travel.
SBI Card
5 reward points per ₹100 — Best for premium · travel.
Standard Chartered
5% cashback on subscriptions & utilities — Best for bill-payments.
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