By Ankur Mittal
Updated On September 20, 2021

Punjab National Bank is one of the oldest state-owned commercial banks. It was incorporated before Independence in 1895 at Lahore. The headquarter of the PNB bank is located in Dwarka, New Delhi. With the passing time, PNB has stretched its network across Inda having 12,420 branches and 13690 ATMs. PNB offers various banking facilities to its customers like loans, non-life insurance businesses, gold coins, trading facilities, debit cards, etc. The PNB Bank started offering credit card facilities to the customers in the year 2009. This bank is listed on BSE and NSE stock exchanges having a capital value of Rs. 2,095.5 crores. Currently, the bank offers 10 credit cards out of which the top 6 are discussed hereunder.

Welcome Benefits

On swiping a card for the first time within 90 days of issuance, you can earn 300 bonus reward points for retail/online transactions. Earn 2x reward points on retail merchandise/online transactions within 90 days of receiving the card (except on fuel and cash withdrawal).

Rewards Rate

Earn 2 reward points on every other Rs. 150 spent on this card. Earn 50 extra bonus reward points on registering for E-bill facility.

Best Suited For

Shopping |

Movie & Dining

NA

Reward Redemption

Redeem reward points for movie tickets, hotel bookings, mobile/DTH recharge, merchandise transaction and more. Minimum of 500 reward points required for redemption. 1 RP = Rs. 0.50.

Joining Fees

Rs. 399

Product Details

  • The PNB RuPay Millennial Credit Card comes with a joining fee of Rs. 399.
  • Get complimentary gym membership, premium health checkup package, golf and spa sessions, domestic and international lounge access program.
  • 300 reward points on first time swiping card within 90 days of card receiving as welcome benefits.
  • 2x reward points on retail merchandise/online transaction within 90 days of card issuance (except on cash withdrawal & fuel expenses).
  • 2 reward points for every Rs. 150 spent on this card.
  • On registering for E-bill facility you can earn 50 extra reward points.
  • 1 reward point = Rs. 0.50.
  • Comprehensive insurance coverage upto Rs. 10 lakhs.

See additional details for PNB RuPay Millennial Credit Card

Welcome Benefits

300 Reward Points

Rewards Rate

1 Reward Points per Rs. 100 spent

Best Suited For

Travel | Shopping |

Movie & Dining

NA

Reward Redemption

You can redeem your earned Reward Points by logging in to the PNB Rewardz website. 1 Reward Point = Rs. 0.50.

Joining Fees

Rs. 500

Product Details

  • You get 1 Reward Point for every retail spend of Rs. 100 using your PNB RuPay Platinum Credit Card.
  • 50 Reward Points on E-bill registration.
  • Welcome bonus of 300 Reward Points.
  • Easy redemption of Reward Points.
  • Complimentary domestic & international lounge access.
  • Accidental insurance coverage.
  • 1% fuel surcharge waiver.
  • Spend-based annual fee waiver.
  • Zero liability against a lost card.

See additional details for PNB RuPay Platinum Credit Card

Welcome Benefits

NA

Rewards Rate

1 Reward Points per Rs. 100 spent

Best Suited For

Shopping |

Movie & Dining

NA

Reward Redemption

You can redeem your earned Reward Points by logging in to the PNB Rewardz website. 1 Reward Point = Rs. 0.50.

Joining Fees

Nil

Product Details

  • You get 1 Reward Point on every retail spend of Rs. 100 using your PNB Global Gold Credit Card.
  • No joining fee.
  • Easily redeemable Reward Points.
  • Extra Reward Points on successful E-bill registration.
  • 20% off on a ZEE5 subscription.
  • 1% fuel surcharge waiver.
  • Zero liability protection against a lost/stolen card.
  • 24*7 concierge services.

See additional details for PNB Global Gold Credit Card

Welcome Benefits

NA

Rewards Rate

2 Reward Points per Rs. 150 spent

Best Suited For

Shopping |

Movie & Dining

NA

Reward Redemption

The Reward Points can be redeemed by logging in to the PNB Rewardz website. 1 Reward Point = Rs. 0.50.

Joining Fees

Nil

Product Details

  • No joining fee.
  • Get 2 Reward Points on every retail transaction of Rs. 150 using your PNB Global Platinum Credit Card.
  • Get 50 extra Reward Points on registering for the E-bill facility.
  • 1% fuel surcharge waiver.
  • The renewal fee can be waived off.
  • 20% instant discount on ZEE5 subscription.

See additional details for PNB Global Platinum Credit Card

Top 6 Punjab National Bank Credit Cards

PNB Global Platinum Credit Card: On this credit card, the PNB bank allows you to earn exciting offers and deals. You can earn 2 reward points on every Rs. 150 spent on this credit card. You can get an offer of 20% on the Zee5 subscription and on registering for the e-bill facility you can earn 50 reward points through this card. This card comes with zero joining fee and it is ideal for shopping. Continue reading.

PNB Global Gold Credit Card: This card is an entry-level credit card ideal to start your credit journey with. You earn a decent reward rate of 0.10% on spending every Rs. 100 on this card. You can earn extra reward points on registering for the E-bill facility. Keep reading to more offerings and features of this credit card.

PNB Global Classic Credit Card: With this card, you can enjoy shopping benefits as it allows you to earn a decent reward rate of 0.10% on every Rs. 100 spent using this card. You also get zero protection liability in case you lose your credit card. You can pay your utility bills like electricity bills, mobile bills, etc through this card by logging on:

www.visabillpay.in/pnb.

PNB RuPay Select Card: The PNB Bank lets you enjoy 300 bonus reward points as welcome benefits on the first transaction using your credit card first time. The customers also get to enjoy the accelerated reward point on retail and online transactions made within 90 days of card issuance except on cash withdrawal and fuel transactions. Apart from shopping benefits you also get travel benefits on this credit card. The applicant can vouch for this credit card by paying the joining membership of Rs. 500. This card is worth considering.

PNB RuPay Platinum Credit Card: On this card, you can enjoy shopping benefits as well as travel benefits. You can enjoy complimentary access to domestic and international lounge access per quarter. You also get a welcome benefit of 300 reward points the first time swiping the credit card after receiving it. Keep reading.

PNB RuPay Millennial Credit Card: This card is specially designed for millennials who are fitness enthusiasts and for shopping too. On this card, you can enjoy a complimentary premium health checkup package and gym membership. Besides shopping benefits and offers on fitness and health, you can enjoy travel benefits too. You can get this card on paying the joining membership of Rs. 399. Continue reading here.

Reward Points & Cashback Benefits:

Credit Card Reward Points
PNB Global Platinum Credit Card 2 reward points on every Rs. 150 spent on this card
PNB Global Gold Credit Card 1 reward point on every Rs. 100 spent on this card
PNB Global Classic Credit Card 1 reward point on every Rs. 100 spent on this card
PNB RuPay Select Credit Card 2 reward points on every Rs. 150 spent on this card.
PNB RuPay Platinum Credit Card 1 reward point on every Rs. 100 spent on this card
PNB RuPay Millennial Credit Card 2 reward points on every Rs. 150 spent on this card

Rewards Redemption:

The customers can redeem their accumulated reward points by logging in to the PNB Rewards website. You can redeem your reward points for movie tickets, hotel bookings, mobile/DTH recharge, merchandise transactions, and more. You are required to at least redeem 500 reward points for reward redemption at a time.

Credit Card Reward Redemption
PNB Global Platinum Credit Card 1 RP = Rs. 0.50
PNB Global Gold Credit Card 1 RP = Rs. 0.50
PNB Global Classic Credit Card 1 RP = Rs. 0.50
PNB RuPay Select Credit Card 1 RP = Rs. 0.50
PNB RuPay Platinum Credit Card 1 RP = Rs. 0.50
PNB RuPay Millennial Credit Card 1 RP = Rs. 0.50

Complimentary Airport Lounge Access:

Credit Card Complimentary Lounge Access
PNB Global Platinum Credit Card NIL
PNB Global Gold Credit Card NIL
PNB Global Classic Credit Card NIL
PNB RuPay Select Credit Card You get complimentary domestic and international lounge access.
PNB RuPay Platinum Credit Card Up to 2 complimentary domestic lounge access every quarter.
Up to 2 complimentary international lounge access every quarter.
PNB RuPay Millennial Credit Card Up to 2 complimentary domestic lounge access every quarter.
Up to 2 complimentary international lounge access every quarter.

Annual Fee:

Credit Card Joining Fee Renewal Fee Spend based waiver
PNB Global Platinum Credit Card NIL Rs. 500 The renewal fee is waived off if the total usage of the card has crossed the credit limit.
PNB Global Gold Credit Card NIL Rs. 300 NIL
PNB Global Classic Credit Card NIL NIL NIL
PNB RuPay Select Credit Card Rs. 500 Rs. 750 The renewal fee is waived off on using this credit card once every quarter.
PNB RuPay Platinum Credit Card Rs. 500 Rs. 500 The renewal fee is waived off on using this credit card once every quarter.
PNB RuPay Millennial Credit Card Rs. 399 Rs. 999 The renewal fee is waived off on spending Rs. 1 lakh in the previous year.

Other Fees and Charges:

Credit Card Interest Rate Cash Advance Fee Foreign Currency Markup Reward Redemption Fee Add-on Card fee
PNB Global Platinum Credit Card 2.95% p.m.
(35.89% p.a.)
2% or a minimum of Rs. 100 (at PNB ATMs)
2% or a minimum of Rs. 150 (at other ATMs)
2% or a minimum of Rs. 300 (overseas)
3.50% NIL NIL
PNB Global Gold Credit Card 2.95% p.m.
(35.89% p.a.)
2% or a minimum of Rs. 100 (at PNB ATMs)
2% or a minimum of Rs. 150 (at other ATMs)
2% or a minimum of Rs. 300 (overseas)
3.50% NIL NIL
PNB Global Classic Credit Card 2.95% p.m.
(35.89% p.a.)
2% or a minimum of Rs. 100 (at PNB ATMs)
2% or a minimum of Rs. 150 (at other ATMs)
2% or a minimum of Rs. 300 (overseas)
3.50% NIL NIL
PNB RuPay Select Credit Card 2.95% p.m.
(35.89% p.a.)
2% or a minimum of Rs. 100 (at PNB ATMs)
2% or a minimum of Rs. 150 (at other ATMs)
2% or a minimum of Rs. 300 (overseas)
3.50% NIL NIL
PNB RuPay Platinum Credit Card 2.95% p.m.
(35.89% p.a.)
2% or a minimum of Rs. 100 (at PNB ATMs)
2% or a minimum of Rs. 150 (at other ATMs)
2% or a minimum of Rs. 300 (overseas)
3.50% NIL NIL
PNB RuPay Millennial Credit Card 2.95% p.m.
(35.89% p.a.)
2% or a minimum of Rs. 100 (at PNB ATMs)
2% or a minimum of Rs. 150 (at other ATMs)
2% or a minimum of Rs. 300 (overseas)
3.50% NIL Rs. 399

Documents Required:

Identity Proof Address Proof Income proof
  • PAN Card
  • Aadhar Card
  • Voter ID
  • Passport
  • Driving Licence
  • Aadhar Card
  • Voter ID
  • Passport
  • Driving Licence
  • Rent agreement
  • Utility bills
  • Municipal or property tax receipt
  • House allotment letter issued by central or state government
  • For salaried employees - salary slip of last two months & bank statement showing salary credits.
  • For self-employed individuals - Later ITR (Income Tax Return).

How To Apply?

The Punjab National Bank does not offer online services to apply for a credit card. The applicant has to visit the nearest branch to apply for a credit card.

Punjab National Bank Application Status

To track your application status, the PNB Bank offers you three channels.

Phone banking: You can call on 24×7 customer care toll-free number 1800-180-2345 to know the status of their credit card application. Kindly provide the necessary details like application number, registered number, etc to the customer care agent, so that they can provide you the credit card application status easily.

Email: PNB customers can also contact the bank to know the status of their application status by writing an email mentioning important details like application number, name, etc, and send it to [email protected].

Visit Branch: The customers can go to the nearest bank branch to know the status of their credit card application. Do not forget to take your credit card application number along with you as it will ease the work of the bank employee.

Customer Care

  • The PNB bank provides a 24×7 customer care helpline number 1800-180-2345 to its customers to submit their credit card queries.
  • You can also contact the bank for general queries on toll-free number 1800-180-2222 / 1800-1032-2222.
  • The customers can contact the bank from overseas by calling on +91-120-249-0000 to submit their credit card complaints or queries.
  • The customers can also get in touch with the bank by writing a mail to [email protected] or [email protected].

FAQs:

No, Punjab National Bank only provides lounge access on PNB RuPay Select Credit Card, PNB RuPay Platinum Credit Card, and PNB RuPay Millennial Credit Card. Apart from these two credit cards, you do not get to enjoy the travel benefits on other credit cards.

The Punjab National Bank does not charge any reward redemption fee while redeeming the reward points. You can easily redeem your reward points towards purchasing movie tickets, hotel bookings, etc. 1 reward point is equivalent to Rs. 0.50.

Yes, PNB customer gets the spend-based benefits on the PNB Global Select Credit Card, PNB Global Platinum Credit Card, PNB RuPay Platinum Credit Card and PNB RuPay Millennial Credit Card.

As of now, the Punjab National Bank does not provide any online portal to check the credit card application status. You can either call on customer care helpline numbers, contact by email, or by visiting the nearest branch to know the status of your credit card application.

Unfortunately no, you have to visit the branch to apply for a credit card. The Punjab National Bank does not provide you online services to apply for credit cards.

While applying for a credit card, the customer is required to submit any one from Aadhar card, voter id, passport, driving license, etc. as address proof to get a card issued from the Punjab National Bank. Get copies of these documents and self-attest them and then submit them along with the application form in the nearest bank branch.

The customer can get their credit card blocked in case their credit card gets lost or stolen immediately by calling on 1800-180-2345 or 0120-4616200.

There is no income requirement as such for PNB credit cards. You are required to have a stable income to be eligible for a credit card. Moreover, you can also take credit cards against the fixed deposits. You have the freedom to choose between a secured credit card or an unsecured credit card.

With the Punjab National Bank credit card, the customers get 20-50 days of the interest-free period only on retail purchases provided they have cleared the previous month’s credit card dues. However, you do not get an interest-free period on cash withdrawal from ATMs.

Punjab National Bank does not charge an add-on card fee on all the above credit cards except on PNB RuPay Millennial Credit Card. On PNB RuPay Millennial Credit Card you are required to pay Rs. 399 for the add-on card.

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