pnb

A lifetime free PNB card for first-time borrowers, with a low ₹2.5 lakh income bar but just 0.25% back in points.

A ₹999 RuPay card with 8 domestic and 2 international lounge visits a year, UPI payments and a low 0.33% reward rate.

Eight domestic lounge visits a year and a fee waived with one use a quarter, but rewards return just 0.33%.

A ₹500 RuPay card that stays free with one swipe a quarter and gives 2 lounge visits a quarter, but only 0.25% back.