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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Punjab National Bank
1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in) — Best for .
Annual fee
₹300
Visa · SBI Card
10 Reward Points per ₹150 on dining, movies, departmental stores and grocery;… — Best for .
Annual fee
₹499
Visa · Standard Chartered
Lifetime free. 2X rewards on dining — Best for dining · lifetime-free.
Annual fee
Lifetime free
Punjab National Bank
Annual Fee
₹300
Reward Rate
1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in)
Welcome Benefit
—
SBI Card
Annual Fee
₹499
Reward Rate
10 Reward Points per ₹150 on dining, movies, departmental stores and grocery; 1 Reward Point per ₹150 on all other spends; 4 Reward Points = Re. 1
Welcome Benefit
—
Standard Chartered
Annual Fee
Lifetime Free
Reward Rate
2X rewards on 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 | PNB Global Gold Credit Card (Visa) — mapped from requested 'pnb-gold'Visa · Punjab National Bank | SimplySAVE SBI CardVisa · SBI Card | Standard Chartered Smart Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | Punjab National Bank | SBI Card | Standard Chartered |
Card | |||
Annual fee | ₹300 | ₹499 | Lifetime FreeBest |
Joining fee | ₹2,026 | ₹499 | ₹0Best |
Reward rate | 1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in) | 10 Reward Points per ₹150 on dining, movies, departmental stores and grocery; 1 Reward Point per ₹150 on all other spends; 4 Reward Points = Re. 1Best | 2X rewards on dining |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Visa | Visa | Visa |
Best for | — | — | dining, lifetime-free |
Apply |
Punjab National Bank
1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in) — Best for .
SBI Card
10 Reward Points per ₹150 on dining, movies, departmental stores and grocery;… — Best for .
Standard Chartered
Lifetime free. 2X rewards on dining — Best for dining · lifetime-free.
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