Compare credit cards
Compare up to three credit cards side by side. Explore fees, rewards and benefits to find the right card for you.
See how annual fees, rewards and benefits differ, so you can choose a credit card that suits your spending and needs.
Comparison dimension
See how annual fees, rewards and benefits differ, so you can choose a credit card that suits your spending and needs.
Best for
Best forA typical fit, not personalised advice.
- May suit PNB salary account holders under the OPTIMA & IMPERIAL scheme who want vouchers and lounge visits with no.
- Less suited to — Those without a PNB salary account, or who need add-on cards may wish to compare other cards.
Fees & ownership
Annual / renewal fee
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Joining fee
₹0
Fee waived at
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Rewards & value
Base rewards
reward points
Accelerated rewards
Earning terms not yet recorded from the issuer’s own documents
Effective valueNeeds an annual spend to mean anything — the card value calculator asks for one.
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Reward point valueThe rupee value per point recorded for the card’s reward programme.
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Reward cap
None recorded
Important conditions
Major reward exclusions
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Travel & lifestyle
Lounge access
- Domestic: 8 / quarter
- International: 2 / year
Lounge requirementWhat has to be true before a lounge visit is free
8 domestic and 2 international lounge visits
Forex markup
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Everyday benefits
Fuel benefit
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RuPay / UPI support
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Eligibility
Minimum income
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Other costs
Finance chargeWhat an unpaid balance costs
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Decision
Good to knowThe one condition most likely to change the maths.
No cap or exclusion is recorded. That is not the same as there being none.
Missing values were not published by the issuer; PaisaKhoj does not estimate them. A highlighted figure marks the lower or higher of two directly comparable amounts on that row alone — it is not a recommendation, and no card here is named an overall winner.