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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 · Standard Chartered
5% cashback on utilities — Best for bill-payments.
Annual fee
₹750
Visa · Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
Annual fee
Lifetime free
Punjab National Bank
Annual Fee
₹500
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
Standard Chartered
Annual Fee
₹750
Reward Rate
5% cashback on utilities
Welcome Benefit
—
Uni (SBM Bank)
Annual Fee
Lifetime Free
Reward Rate
1.5X rewards on all 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 | Standard Chartered Super ValueTitanium Credit CardVisa · Standard Chartered | Uni Credit CardVisa · Uni (SBM Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | Punjab National Bank | Standard Chartered | Uni (SBM Bank) |
Card | |||
Annual fee | ₹500 | ₹750 | Lifetime FreeBest |
Joining fee | ₹500 | ₹750 | ₹0Best |
Reward rate | 4 reward points per ₹100Best | 5% cashback on utilities | 1.5X rewards on all spends |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Visa | Visa | Visa |
Best for | rewards | bill-payments | rewards, lifetime-free |
Apply |
Punjab National Bank
4 reward points per ₹100 — Best for rewards.
Standard Chartered
5% cashback on utilities — Best for bill-payments.
Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
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