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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Punjab National Bank
4 reward points per ₹100 — Best for rewards.
Annual fee
₹500
Mastercard · RBL Bank
Lifetime free. 2X reward points on online — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
Visa · SBI Card
5 reward points per ₹100 — Best for premium · travel.
Annual fee
₹10,000
Punjab National Bank
Annual Fee
₹500
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
RBL Bank
Annual Fee
Lifetime Free
Reward Rate
2X reward points on online
Welcome Benefit
—
SBI Card
Annual Fee
₹10,000
Reward Rate
5 reward points 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 | Punjab National Bank Rakshak Credit CardVisa · Punjab National Bank | RBL Bank ShopRite Credit CardMastercard · RBL Bank | SBI Card AurionVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | Punjab National Bank | RBL Bank | SBI Card |
Card | |||
Annual fee | ₹500 | Lifetime FreeBest | ₹10,000 |
Joining fee | ₹500 | ₹0Best | ₹10,000 |
Reward rate | 4 reward points per ₹100 | 2X reward points on online | 5 reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Visa | Mastercard | Visa |
Best for | rewards | online-shopping, lifetime-free | premium, travel |
Apply |
Punjab National Bank
4 reward points per ₹100 — Best for rewards.
RBL Bank
Lifetime free. 2X reward points on online — Best for online-shopping · lifetime-free.
SBI Card
5 reward points per ₹100 — Best for premium · travel.
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