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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 · SBI Card
6 Travel Credits for every ₹200 spent on travel; 2 Travel Credits for every ₹… — Best for .
Annual fee
₹4,999
Visa · Standard Chartered
5x on travel & dining; 1x others — Best for travel · dining · lounge-access.
Annual fee
₹5,000
Punjab National Bank
Annual Fee
₹500
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
SBI Card
Annual Fee
₹4,999
Reward Rate
6 Travel Credits for every ₹200 spent on travel; 2 Travel Credits for every ₹200 on all other spends; Travel Credits convertible to Air Miles / Hotel Points (1 TC = Re. 1) or used for Travel Bookings (1 TC = ₹0.50)
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 | Punjab National Bank Rakshak Credit CardVisa · Punjab National Bank | SBI Card MILES ELITEMastercard · SBI Card | Standard Chartered Ultimate Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | Punjab National Bank | SBI Card | Standard Chartered |
Card | |||
Annual fee | ₹500Best | ₹4,999 | ₹5,000 |
Joining fee | ₹500Best | ₹4,999 | ₹5,000 |
Reward rate | 4 reward points per ₹100 | 6 Travel Credits for every ₹200 spent on travel; 2 Travel Credits for every ₹200 on all other spends; Travel Credits convertible to Air Miles / Hotel Points (1 TC = Re. 1) or used for Travel Bookings (1 TC = ₹0.50)Best | 5x on travel & dining; 1x others |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Mastercard | Visa |
Best for | rewards | — | travel, dining, lounge-access |
Apply |
Punjab National Bank
4 reward points per ₹100 — Best for rewards.
SBI Card
6 Travel Credits for every ₹200 spent on travel; 2 Travel Credits for every ₹… — Best for .
Standard Chartered
5x on travel & dining; 1x others — Best for travel · dining · lounge-access.
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