Punjab National Bank (PNB) Credit Card

Last Updated : Jan. 11, 2025, 12:58 p.m.

Punjab National Bank (PNB) offers a range of credit cards designed to cater to the diverse financial needs of its customers. With features such as cashback offers, reward points, fuel surcharge waivers, and easy EMI options, these cards ensure a convenient and rewarding experience for everyday transactions and special purchases. PNB Credit Cards are also equipped with advanced security features, making them safe for online and offline transactions.

This article will explore the various PNB credit card options available, their benefits, and how they can enhance financial management.

Best PNB Credit Cards in India 2025

Here is the list of the Best Punjab National Bank Credit Cards in India in 2025. Look carefully to know more.

Features of Top Punjab National Bank Credit Cards

Here are the various features and benefits of PNB Credit cards. Read properly to understand about them -

PNB RuPay Platinum Credit Card

The PNB RuPay Platinum Credit Card is designed to offer premium benefits and a seamless user experience. It provides cashback on utility bill payments , dining, and shopping, along with access to exclusive discounts and offers at partnered merchants.

• Annual and joining fee waivers by using the card at least once per quarter in the previous year.
• Earn 300+ reward points on your first transaction.
• Get cashback on utility bill payments, dining, and restaurant expenses.
• Comprehensive insurance coverage for added financial security.
• Access 24×7 concierge services for travel bookings, hotel reservations, or gift suggestions.
• Use the PNB GENIE App to pay credit card bills, set standing instructions, and manage your card conveniently.
• Discounts and exclusive offers at over 300 partnered merchants, ensuring a rewarding shopping experience.

PNB RuPay Select Credit Card

The PNB RuPay Select Credit Card offers exclusive benefits such as reward points on every purchase, complimentary lounge access, and a host of lifestyle and travel privileges. It is designed to cater to the needs of premium cardholders, with a focus on providing convenience and value across various spending categories.

• Earn 300+ reward points on your first transaction.
• Enjoy exclusive cashback on utility bill payments, dining, and restaurant expenses.
• Benefit from comprehensive insurance coverage for added financial protection.
• Access 24/7 concierge services for travel bookings, hotel reservations, and more.
• Manage your card easily with the PNB GENIE app, a one-stop solution for all your credit card needs.
• Avail discounts and offers at over 300 partnered merchants.
• Enjoy complimentary access to domestic and international lounges, enhancing your travel experience.

PNB RuPay Millennial Credit Card

Designed specifically for the young generation, this credit card targets the mid-segment youth with features that resonate with their lifestyle. Packed with exciting and lucrative benefits, it’s the perfect choice for millennials looking for convenience, rewards, and exclusive offers tailored to their preferences.

• Earn 300+ reward points upon activation.
• Get an annual fee waiver by spending Rs.1 lakh or more in a year.
• Enjoy access to the domestic and international lounge program for a luxurious travel experience.
• Avail complimentary golf and spa sessions, adding a touch of leisure to your lifestyle.
• Benefit from a complimentary gym membership to stay fit and active.
• Receive a premium health check-up package for your well-being.
• Enjoy comprehensive insurance coverage of up to Rs.10 lakh for added financial security.

PNB Patanjali RuPay Platinum Credit Card

This card comes with no joining or annual fees if used once per quarter and offers robust benefits:

• Manage your card seamlessly via the PNB Genie App.
• Comprehensive insurance coverage is included.
• 2% cashback on transactions above Rs.2,500 at Patanjali stores (min. Rs.50) and an additional 5%-7% cashback on recharges.
• Access 300+ merchant deals with the PNB Patanjali RuPay Platinum card.

PNB Visa Platinum Credit Card (PNB Global Platinum Credit Card)

The PNB Global Platinum Credit Card is a premium Visa card from Punjab National Bank (PNB), offering exclusive rewards, concierge services, and comprehensive travel and emergency assistance.

• 2 points for every Rs.150 spent on retail transactions with the Platinum card, compared to 2 points for every Rs.200 spent on other cards.
• Enjoy support for airline and hotel bookings, as well as pre-trip services like passport and visa assistance.
• Access exclusive perks such as flower and gift delivery, show and event bookings.
• Medical support, roadside assistance, and patient travel arrangements.

PNB Visa Gold Credit Card

The PNB Credit Card caters to all your needs, whether it's shopping, dining, traveling, refueling, or booking railway tickets , covering both planned and spontaneous expenses.

• 1 point per Rs.100 spent on retail purchases.
• Redeem points on the PNB Rewardz website (1 RP = Rs.0.25) for hotel bookings, mobile recharges, merchandise, and more. Minimum 500 points required.
• Get 50 bonus points for registering for e-bills.
• No points for fuel, jewelry purchases, or cash withdrawals.
• Reward Points are valid for 3 years.
• 20% discount on ZEE5 subscriptions.
• 1% waiver on fuel transactions between Rs.400 and Rs.3,000 at all fuel stations in India.

PNB Visa Classic Credit Card

The PNB Visa Classic Credit Card offers a range of benefits including global acceptance, reward points on purchases, and exclusive merchant offers. Cardholders can enjoy convenient access to emergency services, and benefit from secure transactions with VISA’s advanced technology.

• Enjoy a 1% rebate on revolved interest.
• Low annual fee and lifetime free fees for all PNB supplementary credit cards.
• Shop confidently with Card Protect.
• Pay your bill in Peso, even for international transactions.
• Accepted globally and online for seamless use.
• Experience fast and secure tap-and-go payments.

PNB Rakshak RuPay Platinum & Select Credit Card

PNB has introduced the PNB Rakshak RuPay Credit Cards, designed exclusively for defense personnel. Available in two variants—RuPay Platinum and RuPay Select—these cards are issued under the PNB Rakshak Plus Scheme for all serving members, veterans, and trainees.

• Both card variants are offered without a joining fee for defense personnel.
• No annual fee if the card is used at least once per quarter.
• 300 Reward Points on your first transaction.
• Exclusive cashback on dining, eateries, and utility bill payments.
• Access deals at over 300 merchants under the RuPay program.
• Benefit from accidental death or permanent disability coverage of Rs.2 lakh (Platinum) or Rs.10 lakh (Select).
• 2 complimentary domestic lounge visits per quarter and 4 international lounge visits annually.
• Get a limit of up to twice your monthly income or pension, subject to bank discretion.

PNB EMT RuPay Platinum Credit Card

Punjab National Bank, one of India’s leading public sector banks, has partnered with EaseMyTrip to launch the PNB EMT RuPay Platinum Credit Card. Priced with a Rs.2,000 joining fee, this card offers a range of benefits, including an annual fee waiver on spending Rs.1 lakh annually.

• 3,000 reward points and vouchers worth Rs.3,000 (Rs.500 for flights, Rs.1,000 for hotels, Rs.1,500 for holidays) as a welcome benefit.
• 10% off on domestic (up to Rs.1,000) and international flights (up to Rs.500) with no minimum value.
• 20% off on domestic hotels (up to Rs.5,000) and international hotels (up to Rs.10,000) with no minimum value.
• Save Rs.125 on bus bookings for transactions over Rs.500.
• Rs.2 lakh coverage for accidental death or total disability.
• 1% waiver on transactions between Rs.500 and Rs.4,000 (Rs.12.50 to Rs.250 per billing cycle).
• Discounts valid for up to 4 transactions per month.

PNB Global Gold Card

The PNB Global Gold Credit Card offers global acceptance, reward points on everyday expenses, and 24/7 customer service for cardholders.

• Global Acceptance : The PNB Global Gold Credit Card is accepted at all VISA ATMs in India and worldwide.
• Wide Usage : Use the card for shopping, dining, travel, hotel bookings, and online/offline transactions.
• Reward Points : Earn 1 point per Rs.100 spent (excluding fuel, cash advances, and card fees), with each point worth Rs.0.50.
• Balance Transfer : Transfer balances from other credit cards at a low interest rate of 0.99% for the first 6 months, with a low fee of Rs.199 or 1% of the balance.
• EMI Facility : Convert purchases above Rs.2,500 into EMIs, with repayment options available within 10 days of purchase.

Punjab National Bank (PNB) Credit Card Interest Rate and Charges

Below are some of the common charges applicable to all PNB Credit Cards:

Punjab National Bank Credit Card Eligibility and Documentation

PNB offers credit cards to individuals with a good credit score , while those new to credit can also apply for certain cards. The eligibility criteria for applying are as follows:

Eligibility :

• Age: Must be between 21 - 70 years

• Add-On Card: The add-on cardholder must be at least 18 years old.

• Occupation: Salaried or self-employed.

Documentation:

• Proof of Address : Ration card, electricity/telephone bill, bank statement, employer letter, credit card statement, Voter ID (with current address), post-paid mobile bill, gas bill, etc.

• Proof of Identity : Passport, PAN card, Voter’s ID, driving license, Aadhaar, marriage certificate (for women), recent credit card statement, registered property document, arms license, etc.

• Proof of Income : Bank statement (last 3 months), salary slip (last 3 months), Form 16, ITR copy, profit/loss statement (for businesses), etc.

How to Apply For Punjab National Bank (PNB) Credit Card?

To apply for a PNB Credit Card, you can either visit the bank’s official website or the nearest branch. Alternatively, you can compare and apply for various credit cards by following these steps:

• Step 1 : Enter Your Mobile Number
  Provide your mobile number to start the application process.

• Step 2 : Verify OTP and View Offers
  Enter the OTP received on your phone to see the pre-qualified credit card offers available to you.

• Step 3 : Choose Your Preferred Credit Card
  Select the credit card that best suits your needs based on the offers and your eligibility.

• Step 4 : Apply and Submit Documents
  Complete your application and submit the required documents for further processing.

Conclusion

PNB credit cards provide great value for both seasoned users and those new to credit. The bank's easy application process and customer-friendly services make it a convenient choice for individuals seeking financial flexibility and benefits. Whether you are looking for a basic card or a premium offering, PNB ensures there's a suitable option for every lifestyle. With benefits such as reward points, exclusive discounts, low interest rates, and comprehensive insurance coverage.