List of Top Visa Signature Credit Cards in 2025 and Their Comparison

Looking for a credit card that opens doors across the world? 

The Visa Signature Credit Card does exactly that, giving you access to over 1.9 million ATMs globally along with a range of elite privileges. However, before you dive in, it is worth exploring the top Visa Signature cards from leading banks.

Compare their joining fees, annual charges and spending requirements carefully so that you can pick a card that perfectly matches your lifestyle and financial goals.

Best Visa Signature Credit Cards and Their Joining Fees 

The joining fee for Visa Signature Credit Cards by different banks can go up to ₹1,500 in India. Let’s take a look at the fees charged by different banks: 

Features and Charges Applicable on Visa Signature Credit Cards in India

Union Bank Visa Signature Credit Card

With the Union Bank of India Visa Signature Credit Card, you can earn 4 reward points on every ₹100 spent. Each reward point is equivalent to ₹0.25. You can additionally get a 1% fuel surcharge waiver up to ₹100 each billing cycle.

If you need add-on cards for your family members like parents, spouse and children, you can apply for up to 3 add-on cards.

• Late Payment Charges: ₹200 for outstanding balance up to ₹25,000 and ₹500 for balance above ₹25,000 
• Annual Fee: ₹1,999 + Goods and Services Tax (GST) for primary cardholder; waived off on spending ₹2.70 lakh in the preceding year; ₹999 for add-on members

Kotak Royal Signature Credit Card 

With the Kotak Royal Signature Visa Credit Card, you can get up to 4 reward points on every ₹150 spent. The credit card additionally offers a 1% fuel surcharge waiver on transactions between ₹500 and ₹5,000.

You can further get a railway surcharge waiver of ₹500 per year on transactions at IRCTC.

• Late Payment Charges: ₹800 for outstanding balance up to ₹25,000 and ₹1,000 for balance above ₹25,000 
• Annual Fee: ₹999 (waived off on spending ₹1 lakh on retail spends)

PNB Visa Signature Credit Card

With the Punjab National Bank (PNB) Visa Signature Credit Card, you can get 50% off on movie tickets and food combos on BookMyShow. The card additionally provides complimentary domestic lounge access to cardholders.

Further, you can get 24*7 concierge assistance on hotel and flight bookings.

• Late Payment Charges: ₹750 for outstanding balance above ₹10,000 
• Annual Fee: ₹2,000; waived off on spending ₹3 lakh in the previous year

The banks might ask for a minimum credit score and income proof along with your application for the cards mentioned above. To skip such hassle, you can check out the Suryoday Small Finance Bank-Stable Money secured credit card against fixed deposits.

Download the Stable Money app now and get yours today