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The PNB Global Gold Credit Card is an entry-level credit card offered by the Punjab National Bank. It carries zero joining fee and provides cardholders with a great rewarding experience. You get 1 Reward Point per Rs. 100 spent on retail transactions and additional points on the E-bill facility. Reward points can be redeemed for various products and categories. To provide you entertainment benefits, this card gets you a 20% discount on the ZEE5 subscription.

The card has several other advantages, such as fuel surcharge waiver, concierge services, zero liability protection, and much more. To know more about the PNB Global Gold Credit Card, benefits, and its fees & charges keep reading:

PNB Global Gold Credit Card features

Joining Fee


Renewal Fee

Rs. 300 + GST

Best Suited For

Shopping |

Reward Type

Reward Points

Welcome Benefits


Movie & Dining


Rewards Rate

1 Reward Points for every Rs. 100 you spend.

Reward Redemption

Reward Points are redeemable on the PNB Rewardz website. 1 RP = Rs. 0.50.



Domestic Lounge Access


International Lounge Access




Insurance Benefits


Spend-Based Waiver


Rewards Redemption Fee


Rewards Redemption Fee


Foreign Currency Markup

3.5% on all international transactions

Interest Rates

2.95% per month

Fuel Surcharge

1% fuel surcharge waiver on fuel transactions between Rs. 400 and Rs. 3,000.

Cash Advance Charges

2% of the amount withdrawn or Rs. 100 (whichever is higher).2% of the amount withdrawn or Rs. 300 at international ATMs

  • 1 Reward Point per retail transaction of Rs. 100.
  • No joining fee.
  • Easily redeemable Reward Points.
  • Additional Reward Points on successful E-bill registration.
  • 20% off on a ZEE5 subscription.
  • 1% waiver on fuel surcharge.
  • Zero liability protection.
  • 24X7 concierge services.

PNB Global Gold Credit Card Rewards:

  • 1 Reward Point per Rs. 100 spent on retail purchases.
  • 50 extra RPs on E-bill registration.
  • No Reward Points for fuel transactions, jewelry purchases, & cash withdrawals.
  • The Reward Points are valid for a period of 3 years.

Rewards Redemption

  • Reward Points are redeemable on the PNB Rewardz.
  • Reward Points can be redeemed against various products & categories, such as hotel bookings, mobile recharge, merchandise, etc. (1 Reward Point = Rs. 0.50)
  • A minimum of 500 Reward Points are required for redemption.

Concierge Benefits

The Punjab National Bank provides 24*7 concierge desks that can be helpful for you in the following ways. You can contact 1800-2100-131 to avail of:

  • Dining referrals & reservations.
  • Pre-trip assistance.
  • Flight/Hotel bookings.
  • Flowers & gifts.
  • Event bookings.
  • Emergency medical support.

Other Benefits

You get an assured discount of 20% on the ZEE5 subscription through your PNB Global Platinum Credit Card.

Fuel Surcharge Waiver

1% fuel surcharge waiver at all fuel stations in India for fuel transactions between Rs. 400 & Rs. 3,000.

Eligibility Criteria

Particular Criteria
Age 21 years – 65 years
Income Annual income of  Rs. 3,50,000 or more.
Credit Score Decent credit score (750 or above)


  • Residential Proof (any of the following)

Ration Card
Utility bills
Voter ID card

  • Identity Proof

Driving Licence
PAN Card
Voter ID Card
Aadhar Card

  • Income Proof

For salaried people – Salary certificate, Salary slip, sForm 16.
For self-employed people – PAN Card, IT return, Form 60/61.

How To Apply?

PNB Global Platinum Credit Card can be applied either by visiting your nearest branch and Click on the Apply Now button. Fill the given form.


The PNB Global Gold Credit Card gives you a great opportunity to save on almost all your expenses. You earn Reward Points for all transactions that are redeemable against mobile recharge, shopping, and several more categories. Therefore,1000 Reward Points can be used against shopping worth Rs. 500. Also, you can save through the fuel surcharge waiver provided by this card. With a card that has no joining fee, getting all these benefits is more than one expects.

So, if you want a card that is affordable as well as advantageous, you can surely choose the PNB Global Gold Credit Card. Also, let us know your views on this card in the comment section below!


For the PNB Global Gold Credit Card, 1 Reward Point = Rs. 0.50.
To be an add-on cardholder of the PNB Global Gold Credit Card, the minimum eligible age is 18 years.
Yes, Reward Points earned through your PNB Global Gold Credit Card expire are valid for 3 years.
The finance charges applicable on the PNB Global Gold Credit Card are 2.95% per month.

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