及时it happens at the moment that someone hopes it happens, for example,正当我缺钱的时候,他就及时第给我弄来三百块钱。
按时 someone does something at the moment of appointment after making an appointment.for example, 他按时把作业交上来
准时it happens at a second of a minute of a clock according to the time that makes ahead of time, for example, 八点二十一分二十八秒准时点火
准点and 准时 have the same meaning, 点here means o`colck,准时点火,准点点火,all is OK