By Ankur Mittal

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 India 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 under this article.

List of Best PNB Credit Cards in India

With several Punjab National Bank Credit Cards available in the Indian market, it might be a bit confusing for PNB loyal customers to choose the right card that suits their requirements as well as spending habits. If you are one of them and trying to find out the right credit card for yourself, we are here to help you out with the list of Best PNB Credit Cards in India and their detailed features and benefits. Keep reading the article for further information:

Table of Contents
PNB RuPay Select Credit Card

Welcome Benefits

300 bonus Reward Points.

Rewards Rate

2 Reward Points on every spend of Rs. 150.

Joining Fees

Rs. 500

PNB RuPay Platinum Patanjali Credit Card

Welcome Benefits

300 bonus Reward Points

Rewards Rate

1 Reward Point on every spend of Rs. 150 and 2% cashback at Patanjali stores.

Joining Fees

Nil

PNB RuPay Select Patanjali Credit Card

Welcome Benefits

300 bonus Reward Points on the first transaction and 2x Reward Points for retail purchases within the first 90 days.

Rewards Rate

2 Reward Points on every Rs. 150 spent, and 2% cashback on Patanjali products.

Joining Fees

Rs. 500

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.

Joining Fees

Rs. 399

Welcome Benefits

300 Reward Points

Rewards Rate

1 Reward Points per Rs. 100 spent

Joining Fees

Rs. 500

Welcome Benefits

NA

Rewards Rate

1 Reward Points per Rs. 100 spent

Joining Fees

Nil

Welcome Benefits

NA

Rewards Rate

2 Reward Points per Rs. 150 spent

Joining Fees

Nil

PNB Credit Cards Features and Benefits

Though the Punjab National Bank offers a lesser number of credit cards as compared to other major card issuers in the country, it provides its cardholders with some exciting benefits. Some of  the general features and benefits that you may get with a PNB Credit Card are as follows:

  • Welcome Benefits: With a credit card issued by the Punjab National Bank, the cardholders get welcome benefits after activating their new credit card. Sometimes the welcome benefits are also subject to payment of the joining fee. These benefits can be in the form of bonus Rewards, gift vouchers, etc.
  • Reward Points: Just like every other credit card issuer, the PNB also rewards its cardholders for almost all their spends. The reward rate can be different on different credit cards and categories, but you will surely get rewarded whenever you make a retail spend with a retail card.
  • Travel Benefits: Some of the PNB Credit Cards also offer decent travel benefits like complimentary airport lounge access, discount offers on travel bookings, etc.
  • Insurance Benefits: You may also get some exclusive insurance benefits like accidental death cover, credit liability cover, etc, with your Punjab National Bank Credit Cards.
  • Other Benefits: Other benefits that you may get with PNB Credit Cards include spend based waiver of annual fee, fuel surcharge waiver, cashback on selected spends, and many more.

Top 6 Punjab National Bank Credit Cards

The credit cards offered by the Punjab National Bank and their features and benefits are given below. You can check the information and choose a card according to your requirements:

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.

PNB Credit Card Reward Points and Cashback

Different PNB Credit Cards offer different reward rates and other benefits. Generally, the cards having a higher annual fee offer a higher reward rate compared to the cards having a lower fee. Moreover, the reward rate can also be more or less in different categories. The reward rate offered with the Top PNB Credit Cards is mentioned in the table below:

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. The following are a few things that you must know before redeeming your PNB Credit Cards’ rewards:

  • You are required to at least redeem 500 reward points for reward redemption at a time.
  • The monetary value of 1 Reward Point that you earn using Punjab National Bank Credit Cards is Re.0.50.

Punjab National Bank Credit Cards Eligibility Criteria

To get approved for a credit card from the Punjab National Bank, the applicants need to fulfill some eligibility requirements. There are several factors that may affect your eligibility for PNB Credit Cards like your age, income, educational qualification, credit history, etc. Following are the basic eligibility criteria that are required:

  • The age of the primary cardholders should be between 21 years and 70 years. The age of supplementary cardholders should be minimum of 18 years. Also, the minimum age required to get a secured credit card for PNB is 18 years.
  • The applicant should have a stable source of income and the salary requirements may vary from card to card.
  • The applicant should be literate.
  • The applicant should have a decent credit history in case of an unsecured card.

Check more details on PNB Credit Cards eligibility criteria.

Documents Required

You will need to submit/upload a few documents while applying for a PNB Credit Card. The following is the list of documents that are required:

  • An identity Proof: Aadhar card, Voters’ card, Passport, driving license, PAN card, etc (any one of these)
  • Address Proof: Aadhar Card, Utility Bills, Passport, driving license, etc (any one of these).
  • Income Proof: Latest Salary Slips or latest audited ITR.

Punjab National Bank Credit Cards Annual Fee:

The annual fee is one of the most important factors that you should consider while choosing the right credit card for yourself. However, the Punjab National Bank doesn’t issue any credit cards with a really high joining/annual fee, but the fees and charges may vary for different cards. The annual fee of the popular PNB Credit Cards is given below in the table:

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:

Other than the annual fee, there are many more fees & charges associated with a credit card, including the interest charges, late payment fee, cash withdrawal charges, forex markup fee, and many more. Not only annual fee, but all these charges and terms & conditions must be checked by the applicants before making a final decision. Some of the most important fees and charges that are applicable on PNB Credit Cards are as follows:

Interest Charges  2.5% per month (35.89% per annum)
Cash Advance Fee 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)
Forex Markup Fee 3.5% of the total transaction amount

How To Apply PNB Credit Card Online

The Punjab National Bank does not offer online services to apply for a credit card like the other major card issuers. The applicants need to visit their nearest PNB branch and fill in the physical application form to apply for a credit card. However, to make your task easier, you can download the application form online from the PNB’s official website, take a print out of it, fill in all the required details, and then visit the branch to submit the form along with all the required documents.

Punjab National Bank Application Status

If you have already applied for a Punjab National Bank Credit Card, you can easily track the status of your application using any of the following methods:

  • 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 sending 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.

Click here for more ways to check your PNB Credit Card application status.

How To Activate Punjab National Bank Credit Cards?

After receiving a new PN Credit Card, you will have to activate it before making any purchases using it. Following are a few popular ways to activate your PNB Credit Card:

  • Contact your credit card customer care and ask them to help you activate your credit card. They will ask you for a few details and guide you on how you can get your card activated.
  • Another method to activate your card is to do it via an ATM. Visit your nearest PNB ATM and find an option to activate your credit card or to generate your credit card PIN. Just enter the required details and your card will be activated in seconds.
  • You can also visit your nearest PNB branch and ask the bank officials to help you activate your credit card.

PNB Credit Cards Login/Netbanking

The Punjab National Bank Credit Cardholders can register their credit card for internet banking services using a few simple steps that are mentioned below:

  • Visit the PNB’s official website.
  • Click on the Login icon and then choose ‘Customer.
  • After this, click on ‘New User?’
  • Enter all the required details and proceed further accordingly.

Check detailed steps for PNB Credit Cards internet banking here.

PNB Credit Cards Customer Care

For any queries/complaints related to your Punjab National Bank Credit Card, you can contact the customer care executives using the following contact details:

  • 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 the 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].

PNB Lifetime Free Credit Card

As of now, the Punjab National Bank offers only one lifetime free credit card namely PNB Global Classic Credit Card, which comes with a decent reward rate and a few more basic features and benefits. Being a no-annual fee credit card, it can be considered a great choice for people who are new to the world of credit cards.

Apart from this, there are a few low annual fee cards that offer great benefits with minimal charges like the PNB Global Platinum and PNB Global Gold Credit Card.

Quick Links

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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