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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
10X rewards on partner online brands; 1X on others — Best for online-shopping · rewards.
Annual fee
₹499
Visa · SBI Card
1 reward point per ₹100 — Best for rewards · beginners.
Annual fee
₹499
Punjab National Bank
Annual Fee
₹500
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
SBI Card
Annual Fee
₹499
Reward Rate
10X rewards on partner online brands; 1X on others
Welcome Benefit
—
SBI Card
Annual Fee
₹499
Reward Rate
1 reward point 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 | SBI SimplyCLICK Credit CardVisa · SBI Card | SBI Unnati Credit CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | Punjab National Bank | SBI Card | SBI Card |
Card | |||
Annual fee | ₹500 | ₹499 | ₹499 |
Joining fee | ₹500 | ₹499 | ₹499 |
Reward rate | 4 reward points per ₹100Best | 10X rewards on partner online brands; 1X on others | 1 reward point per ₹100 |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Visa | Visa |
Best for | rewards | online-shopping, rewards | rewards, beginners |
Apply |
Punjab National Bank
4 reward points per ₹100 — Best for rewards.
SBI Card
10X rewards on partner online brands; 1X on others — Best for online-shopping · rewards.
SBI Card
1 reward point per ₹100 — Best for rewards · beginners.
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