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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 and it has come so far since then. As of November 2022, PNB has over 3.11 lakh active credit card customers in the country. This bank is also listed on BSE and NSE stock exchanges having a capital value of around Rs. 2,095 crores. Currently, the bank offers 12 credit cards out of which the top 7 are discussed under this article.
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:
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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:
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:
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.
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.
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. As it is an entry-level card with no annual fee, it is one of the most desired credit card by the Punjab National Bank.
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.
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.
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.
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 |
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:
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:
Check more details on PNB Credit Cards eligibility criteria.
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:
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 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 |
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.
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:
Click here for more ways to check your PNB Credit Card application status.
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:
The Punjab National Bank Credit Cardholders can register their credit card for internet banking services using a few simple steps that are mentioned below:
Check detailed steps for PNB Credit Cards internet banking here.
For any queries/complaints related to your Punjab National Bank Credit Card, you can contact the customer care executives using the following contact details:
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.