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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
Visa · SBI Card
Welcome gift of 2,500 IndiGo BluChips
Annual fee
Lifetime free
Visa · slice (SBM Bank)
Lifetime free. 2X rewards on online spends — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
Punjab National Bank
Annual Fee
₹500
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
SBI Card
Annual Fee
Lifetime Free
Reward Rate
2 IndiGo BluChips per ₹100 on IndiGo transactions; 1 BluChip per ₹100 on other spends
Welcome Benefit
Welcome gift of up to 2,500 IndiGo BluChips on joining
slice (SBM Bank)
Annual Fee
Lifetime Free
Reward Rate
2X rewards on online spends
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 | IndiGo SBI CardVisa · SBI Card | slice Credit CardVisa · slice (SBM Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | Punjab National Bank | SBI Card | slice (SBM Bank) |
Card | |||
Annual fee | ₹500 | Lifetime Free | Lifetime Free |
Joining fee | ₹500 | ₹0 | ₹0 |
Reward rate | 4 reward points per ₹100 | 2 IndiGo BluChips per ₹100 on IndiGo transactions; 1 BluChip per ₹100 on other spendsBest | 2X rewards on online spends |
Welcome benefit | — | Welcome gift of up to 2,500 IndiGo BluChips on joining | — |
Lifetime free | No | Yes | Yes |
Network | Visa | Visa | Visa |
Best for | rewards | airlines, travel | online-shopping, lifetime-free |
Apply |
Punjab National Bank
4 reward points per ₹100 — Best for rewards.
SBI Card
Welcome gift of 2,500 IndiGo BluChips
slice (SBM Bank)
Lifetime free. 2X rewards on online spends — Best for online-shopping · lifetime-free.
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