15 Best PNB Credit Cards in 2025: Expert-Picked Rewards & Benefits

Best PNB Credit Cards in 2025: The Best Guide on Expert-Picked Rewards & All Benefits

Want a credit card that doesn’t burn a hole in your wallet? PNB credit cards have zero joining and annual fees, which makes them an excellent choice for budget-conscious users.

Punjab National Bank provides cards that cater to a variety of financial needs – perfect for frequent travelers, shopping enthusiasts, and rewards seekers. Their credit card portfolio matches premium benefits of industry leaders such as HDFC’s Diners Club Black and Axis Bank’s Reserve Card, including unlimited airport lounge access and cashback rewards.

Most banks charge substantial joining fees that can reach ₹50,000, but PNB’s flexible fee structure makes their credit cards more available to many users. Let’s take a closer look at the 15 best PNB credit cards you should consider in 2025.

PNB Global Platinum Credit Card

“PNB web interface for applying credit card is still very crude, however it gets the job done, thousand times better than the manual approach of applying the credit card earlier with them.” — bidge, TechnoFino community member with experience applying for PNB credit cards

The PNB Global Platinum Credit Card leads Punjab National Bank’s credit card lineup. This premium card gives you worldwide acceptance and exclusive platinum privileges. Customers who want both functionality and status will find this card perfect for their needs.

Key Features and Benefits

The card’s detailed platinum privileges package stands out from the rest. You get access to a 24×7 Global Concierge Desk that helps with dining reservations, travel bookings, and emergency services. The card also offers:

• Global acceptance at over 29 million merchant establishments and 1 million VISA ATMs worldwide
• Protection against fraudulent transactions if your card is lost
• Year-end account summary statements that make expense tracking easier
• Exclusive customer care services for platinum cardholders
• 1% fuel surcharge waiver at petrol stations across India
• Special merchant offers with 10-25% discounts on dining and stays at Sarovar Hotels and Resorts

Reward Structure and Points Value

The reward program gives great value for your everyday spending. You earn 2 reward points for every ₹150 spent on retail transactions. Standard cards usually give 1 point per ₹100. You also get 50 bonus reward points when you sign up for the E-bill facility.

Each reward point is worth about ₹0.25. You can redeem your points for gift certificates, merchandise, hotel bookings, and mobile recharges.

Annual Fee and Eligibility Requirements

The card has a joining fee of ₹999 plus GST. You can get this fee refunded if your purchases exceed the credit limit in the first six months. The annual fee details include:

• Annual fee: ₹999 plus GST
• Fee waiver conditions: Your total card usage should exceed credit limit in previous year, make at least one retail transaction per quarter, and maintain a good account track record

You need to be between 21-65 years old with a minimum 10th standard education to qualify. The bank requires you to have a PNB account for at least 6 months. Salaried employees, self-employed professionals, and businessmen who meet income criteria can apply.

Ideal User Profile

Frequent travelers and lifestyle shoppers will get the most value from this platinum card’s global acceptance and concierge benefits. This card works best for people who:

• Make regular retail purchases to build reward points quickly
• Travel within India and abroad
• Need premium customer service and emergency help
• Can spend enough to qualify for annual fee waivers
• Want easy utility bill payments and wide merchant acceptance

PNB Pride Platinum Credit Card

The PNB Pride Platinum Credit Card pays tribute to Indian Defense Forces and Government of India employees with exclusive benefits. The card’s design proudly displays the Indian Tricolor shades and includes a special 4th embossing line that recognizes the cardholder’s service to the nation.

Premium Benefits Overview

This patriotic card honors national service through its thoughtful design elements. Family members (spouse, parents, children, and siblings above 18 years) can receive free add-on cards. The card’s EMV chip technology protects cardholders from counterfeit and skimming fraud. The Zero Lost Card Liability safeguards against unauthorized transactions as soon as cardholders report their loss.

Travel Perks and Insurance Coverage

Cardholders get detailed insurance coverage that makes travel safer. They can split large purchases (over ₹2,500) into easy EMIs through Internet Banking, Mobile App, or Customer Service. Government employees and defense personnel find this flexibility helpful when making big purchases.

Reward Points System

The card rewards spending with 4 EDGE REWARD points on every ₹200 retail transaction. Members can redeem their points for rewards and offers from 500+ options. New cardholders receive 300+ bonus reward points when they activate their card. The PNB Rewardz program enrolls everyone automatically, and each point equals about ₹0.50 (1000 points = ₹500).

Annual Fee and Maintenance

The card comes with these money-saving benefits:

• Zero joining fee
• ₹500 annual fee waiver with one transaction per quarter in the previous year
• 1% fuel surcharge waiver on purchases between ₹400-₹4,000, up to ₹250 per statement cycle

The Dining Delights program makes eating out more affordable. Cardholders save up to 15% (maximum ₹500) at partner restaurants on bills over ₹2,500, once monthly per card.

PNB RuPay Select Credit Card

The PNB RuPay Select Credit Card delivers premium experiences at reasonable costs. This card perfectly balances affordability with luxury benefits, making it a top choice among PNB credit cards for budget-conscious customers.

Exclusive Privileges

The card’s exclusive services help lift your lifestyle:

• Round-the-clock concierge services to help with bookings and personal requests
• More than 300 merchant deals for shopping, dining, and entertainment
• Detailed personal accident and permanent disability insurance coverage up to ₹10 lakhs
• Special cashback rewards on utility bills, restaurants, and eateries
• Free access to preventive health checkups, gym memberships, and premium golf courses at 20+ locations nationwide

Domestic and International Benefits

Travel lovers can get the most value from these perks:

• Free entry to domestic and international airport lounges
• Access to railway lounges for comfortable train travel
• Travel assistance and hotel bookings through 24/7 support services
• Entertainment perks with ad-free music and unlimited video streaming

Reward Points and Redemption Options

The rewards program offers competitive benefits:

• Get 2 reward points for every ₹150 spent on purchases
• 300+ bonus reward points when you make your first retail or online purchase within 90 days
• Each reward point equals ₹0.50, so 1000 points get you ₹500
• Use points for merchandise, movie tickets, hotel bookings, mobile/DTH recharges, or cashback
• Points stay valid for 3 years from when you earn them

Fee Structure

The card comes with budget-friendly fees:

• Joining fee: ₹500
• Annual fee: ₹750, which gets waived when you use the card once every quarter
• Finance charges: 2.95% monthly
• Foreign currency transaction fee: 3.5%
• Cash advance fee: 2% of amount or ₹150 at PNB ATMs (whichever is higher)
• Minimum redemption threshold: 1000 reward points
• 1% fuel surcharge waiver on transactions between ₹500-₹3,000 (maximum ₹250 per billing cycle)

PNB Platinum Royale Credit Card

The PNB Platinum Royale Credit Card helps you get more from your everyday purchases with premium benefits and better rewards. Shopping advantages blend seamlessly with entertainment perks, making this card perfect for anyone who wants to make their spending work harder.

Luxury Shopping Benefits

PNB Platinum Royale Credit Card gives you special privileges at popular shopping spots. Card members get:

• Access to over 5,000 top merchants including premium stores like GRT Jewelers, Avantra, and Bajaj Electronics with up to 5X accelerated reward points
• Better shopping security with EMV chip technology that keeps you safe from counterfeit and skimming fraud
• Year-end statements that show your spending patterns and help you get the most from shopping benefits
• Easy-to-use mobile app “PNB GENIE” lets you track shopping expenses and benefits in one place

Dining and Entertainment Perks

Your lifestyle gets a boost through:

• Extra cashback when you dine out
• Round-the-clock concierge services help you find restaurants and make reservations
• Partner establishments offer 10-25% discounts through special merchant deals
• Dedicated lifestyle services help book shows and events

Reward Points Acceleration

You’ll love the reward structure:

• Get 2 reward points for every ₹150 you spend on retail purchases
• Each point is worth ₹0.50, so 1000 points give you ₹500 in value
• You need at least 1000 reward points to redeem
• Redeem points for movie tickets, hotel stays, mobile/DTH recharges, merchandise, or get cashback on your card

Annual Fee and Waiver Conditions

The card comes with budget-friendly fees:

• Annual fee is ₹500
• You pay no annual fee if you meet any of these three conditions:
  1. Your yearly card usage is more than your credit limit
  2. You make at least one retail purchase every three months (excluding fuel and cash withdrawals)
  3. Your account stays in good standing without payment issues

Regular shoppers don’t need to worry about fees as the card waives them for loyal users. PNB Platinum Royale ranks among PNB’s best credit cards that combine premium lifestyle perks with reasonable fees.

PNB RuPay Millennial Credit Card

The PNB RuPay Millennial Credit Card blends digital ease with lifestyle perks. Young tech-savvy adults will find this mid-level card rewarding for their digital payment experiences without paying high fees.

Youth-Focused Features

This card targets mid-segment customers aged 21-65 who earn a minimum gross annual income of ₹5 lakhs. Its modern design comes with contactless payment technology that matches millennial priorities. The card offers great lifestyle benefits including detailed insurance coverage up to ₹10 lakhs, premium health checkup packages and free gym membership. The card design reflects how health-conscious young people are today.

Online Shopping Benefits

Digital spenders get exceptional value through exclusive cashback on utility bills, eateries, and restaurants. The “PNB GENIE” mobile app serves as a one-stop solution to track expenses and manage accounts. Users enjoy special discounts with partner merchants and can access over 300 merchant offers on shopping, entertainment, and dining platforms. Online shoppers who use digital payments frequently will find these perks especially valuable.

Reward Structure for Digital Spenders

The rewards program focuses on digital transactions:

• Users earn 2 reward points for every ₹150 spent on retail or online transactions
• A welcome bonus of 300 reward points comes with the first retail/online transaction within 90 days
• Each reward point equals ₹0.50, so 1000 points translate to ₹500 in rewards
• Points can be redeemed for movie tickets, hotel bookings, mobile/DTH recharges, merchandise, and cashback

Users also earn double reward points on retail merchandise purchases, which benefits regular shoppers greatly.

Low Fee Advantages

The card offers great value with affordable fees. The joining fee is only ₹399, and the ₹999 renewal fee gets waived when annual spending hits ₹1 lakh. Some sources suggest there’s no annual fee if you use the card once every quarter. Young professionals starting their credit journey will find these terms quite reasonable.

Fuel purchases between ₹500-₹3,000 come with a surcharge waiver at partner outlets, capped at ₹50 per transaction.

PNB Global Gold Credit Card

The PNB Global Gold Credit Card is available to international travelers and provides worldwide payment convenience with rewards. This card combines everyday usability with global acceptance, which makes it a great choice for both domestic and international users.

International Transaction Benefits

You can use the PNB Global Gold Credit Card at all VISA merchants globally and make transactions at millions of merchant locations worldwide. The card comes with lounge access perks that include one domestic airport/railway lounge visit every quarter and two international airport lounge visits per year. These benefits are perfect for occasional international travelers who don’t need premium-tier cards.

Reward Points System

Here’s how the straightforward rewards work:

• You earn 1 reward point for every Rs. 100 spent on retail transactions
• Each reward point equals Rs. 0.50, so 1000 points are worth Rs. 500
• Redeem points for movie tickets, hotel bookings, mobile/DTH recharges, merchandise, or cashback
• You need at least 1000 reward points to start redeeming
• Convert your reward points to JetPrivilege Miles (2 reward points = 1 JP Mile)

Your reward points stay valid for 3 years from when you earn them[233].

Travel Insurance Coverage

The card provides personal accident insurance up to Rs. 2,00,000 if you face accidental death or permanent total disability. This simple protection covers both domestic and international travel.

Annual Fee and Eligibility

The card comes with a simple fee structure:

• No fee to join
• Annual fee gets waived when you use the card once every quarter[233]
• Fuel surcharge waiver of 1% at all fuel stations for transactions between Rs. 400-3,000

You can apply if you:

• Are between 21-65 years old
• Earn at least Rs. 3,50,000 yearly (salaried) or Rs. 2,00,000 (self-employed)[233]
• Live in India
• Have a credit score of 750 or higher

PNB RuPay Platinum Patanjali Credit Card

The PNB RuPay Platinum Patanjali Credit Card combines the strengths of Punjab National Bank and Patanjali Ayurved Limited. This card gives wellness-focused benefits to natural product enthusiasts while providing lifestyle perks to regular Patanjali shoppers.

Co-branded Benefits

PNB and Patanjali have created this card with loyal Patanjali customers in mind. You’ll get a 2% cashback on purchases of ₹2,500 or more at Patanjali stores, with a limit of ₹50 per transaction. Patanjali Ayurved Limited sweetens the deal by giving an extra 5-7% cashback to Patanjali Swadeshi Samridhi Card customers who recharge with this credit card.

Wellness and Health Rewards

Health-conscious consumers will love the reward structure. The card gives 1 reward point for every ₹150 spent on retail purchases. New users get 300 bonus reward points after their first retail transaction within 90 days of getting the card. The card rewards utility bill payments too – you’ll earn 50 extra points by signing up for e-bill facility.

Special Discounts at Partner Outlets

The benefits go beyond Patanjali stores. Cardholders can enjoy exclusive cashback and discounts at many partner restaurants. The card includes deals from over 300 merchants in different categories. You’ll also receive complete insurance coverage worth ₹2 lakhs against accidental death and personal disability.

Fee Structure and Eligibility

The card comes with an attractive fee structure:

• Zero joining fee
• ₹500 annual fee that’s waived if you use the card once every quarter
• 2.95% monthly interest rate
• 3.5% foreign currency markup fee on international transactions

The card suits people aged 21-70 years. PNB customers need a minimum income of ₹2.50 lakhs, while others need ₹3.50 lakhs. Both salaried and self-employed people can apply with proper income proof.

PNB Visa Business Credit Card

_{Image Source: Punjab National Bank -Credit Card Portal}

The PNB Visa Business Credit Card helps small business owners and corporate entities manage their finances better. This card serves as a bridge between personal and corporate finance and delivers great benefits regardless of business size.

Business Expense Management Features

The PNB Visa Business Credit Card lets you choose between two liability structures:

• Individual Liability: Business executives and employees from corporations, registered societies, institutions, partnerships, and proprietorship firms can apply with active PNB accounts
• Corporate Liability: The card provides combined management with limits based on:
  • 15% of average operating expenses from the last three years when corporates have existing PNB credit
  • 20% of average credit totals from previous two years (up to ₹10 lakhs) for corporates without PNB credit history
  • 80% of term deposit amount or ₹50 lakhs (whichever is lower) for deposit-backed options

The card makes expense tracking easier through spend monitoring by category and customizable report generation.

Corporate Rewards Program

PNB’s loyalty program “PNB Rewardz” rewards business cardholders:

• Each ₹100 spent earns 1 reward point
• Signing up for e-bill service gets you 50 bonus points
• Every point equals ₹0.50, so 1000 points give you ₹500 back
• You need at least 500 points to redeem
• Points stay valid for 3 years after you earn them

Tax Benefits for Business Owners

Business owners enjoy several tax advantages:

• Better cash flow with interest-free repayment periods
• Tax benefits under Income Tax Act section 44AD from Government of India when promoting digital transactions
• Easy GST payments plus up to 2% value-back in reward points on tax payments

Annual Fee and Additional Card Options

The card keeps costs reasonable:

• Primary cardholders pay no joining fee
• Annual maintenance fees stay lower than other banks’ corporate cards
• Large purchases can become monthly EMIs
• The core team can get additional cards with centralized billing

New corporate customers get faster processing when they submit all required business documents.

PNB RuPay Select Patanjali Credit Card

The PNB RuPay Select Patanjali Credit Card brings together financial ease and wellness perks. This premium card from Punjab National Bank and Patanjali Ayurved Limited serves people who love natural products.

Premium Patanjali Partnership Benefits

This partnership’s highlight is its cashback structure for Patanjali purchases. You get 2% cashback on transactions exceeding Rs. 2,500 at Patanjali stores, up to Rs. 50 per transaction. The card also gives Patanjali Swadeshi Samridhi Card customers an extra 5-7% cashback on recharges. Seasonal deals can boost these savings even higher, making it a great choice for Patanjali regulars.

Enhanced Reward Structure

The reward system goes beyond Patanjali benefits. The card gives 2 reward points for every Rs. 150 spent on retail purchases. New users get a welcome bonus of 300+ reward points after their first purchase. Each point is worth Rs. 0.50, so 1000 points equals Rs. 500 in value. These points work for movie tickets, hotel bookings, mobile/DTH recharges, merchandise, or direct cashback to your card account.

Exclusive Access to Patanjali Products

Cardholders enjoy interest-free purchases of Patanjali products for 20-50 days. The cashback structure works in tiers:

• Transactions Rs. 500-1000: 2% cashback (maximum Rs. 20)
• Transactions Rs. 1001-2000: 2% cashback (maximum Rs. 40)
• Transactions above Rs. 2000: 2% cashback (maximum Rs. 50)

The card opens access to more than 300 merchant offers outside Patanjali.

Fee Structure

The card starts with a Rs. 500 joining fee. The yearly fee is Rs. 750, but you pay nothing if you use the card once every quarter in the previous year. Other costs include 2.95% monthly interest and 3.5% foreign currency markup fee. The card’s insurance package covers Rs. 10 lakhs for accidental death and personal total disability, adding great value to the deal.

PNB Platinum Plus Credit Card

The PNB Platinum Plus Credit Card strikes a perfect balance between premium benefits and reasonable costs. Status-conscious customers will find excellent value in this versatile card. It combines everyday convenience with exclusive privileges and stands out as one of the best PNB credit cards for users who want detailed benefits.

Premium Lifestyle Benefits

Cardholders get round-the-clock access to a Global Concierge Desk that helps with dining referrals and reservations. The card’s standard services include year-end summary statements to help track spending patterns. Users get lost card liability protection that limits their responsibility for fraudulent transactions after reporting. The convenient “PNB GENIE” mobile app lets cardholders manage their accounts and track expenses and benefits in one place.

Travel and Dining Privileges

The card rewards users with exclusive cashback on utility bills, eateries, and restaurants. Travel support is extensive with airline and hotel bookings, pre-trip passport and visa assistance, and emergency services like medical support and roadside assistance. Customers can access over 300 merchant offers at shopping and dining establishments. The concierge desk takes care of flower and gift bookings along with show and event reservations.

Accelerated Reward Points System

The reward structure makes this card really valuable:

• Earn 2 reward points for every ₹150 spent on retail transactions
• Users get 300 bonus reward points on their first retail or online transaction within 90 days of card issuance
• Each reward point equals ₹0.50, which means 1000 points are worth ₹500 in redemption value
• Redemption becomes available once you collect 1000 reward points

Annual Fee and Premium Services

The card comes with a competitive annual charge of ₹500. The fee gets completely waived under three conditions: yearly usage exceeds the card’s credit limit, at least one retail transaction happens each quarter, and the account stays in good standing. Credit limits range from ₹10,000 to ₹10,00,000, and you need an annual income of at least ₹5 lakhs to qualify.

PNB Visa Signature Credit Card

PNB Visa Signature Credit Card targets wealthy consumers who want premium perks with their daily spending. This premium card from Punjab National Bank’s credit card lineup gives great benefits to customers who value quality.

Signature Privileges

This card serves elite, high-net-worth customers with a complete package of exclusive services. The Visa Signature stands out from regular cards by offering 24/7 concierge service that helps book flights, reserve hotels and handle other premium arrangements. Cardholders also get BookMyShow benefits with 50% off on movie tickets and food combo discounts once every month. These perks make it one of India’s best credit cards for entertainment.

Travel and Lifestyle Benefits

The card makes travel better with free domestic airport lounge access. This feature stands out among punjab national bank credit cards since it provides comfortable spaces during flight delays. Cardholders can also access many merchant deals that update daily, which adds value beyond simple purchases. You can use this card at more than 29 million merchant locations and over 1 million VISA ATMs worldwide.

Reward Points and Redemption Value

Spending Rs. 100 with this card earns you 1 reward point. Each point is worth Rs. 0.25, so 4 points equal Rs. 1. You need at least 1,000 points to redeem them for great offers through PNB’s rewards program. The program lets you get discounts, gift vouchers and more from www.pnbrewardz.com.

Annual Fee and Eligibility Requirements

The card costs Rs. 1,500 to join and Rs. 2,000 yearly. You won’t pay the yearly fee if you spend Rs. 3 lakhs in the previous financial year. Extra cards for family members cost Rs. 500 each. You need to earn at least Rs. 7.50 lakhs yearly and be between 21-65 years old to qualify. A secured version needs a fixed deposit of Rs. 1,60,000 minimum.

PNB World Credit Card

“The best credit card is one that’s best aligned with your specific needs.” — Paul Soucy, Director of Content at NerdWallet

Known as the best travel companion in PNB’s credit card lineup, the PNB World Credit Card offers great value to international travelers through its multi-currency capabilities and detailed coverage benefits.

Global Benefits and Privileges

The PNB World Credit Card works as a prepaid multi-currency card available in six major currencies: USD, EUR, GBP, AED, CAD, and SGD. Travelers don’t need to carry multiple currencies or traveler’s cheques abroad. Cardholders can lock in exchange rates on the day they load funds, which protects them against future currency fluctuations. The card allows uninterrupted payments across international borders at ATMs, POS terminals, and online transactions worldwide—except in India, Nepal, and Bhutan. Users can reload the card multiple times within their entitlement for extra flexibility.

Premium Travel Insurance

PNB provides insurance coverage up to Rs. 3.50 lakhs if your card is lost or misused. Premium variants come with detailed accident insurance coverage up to Rs. 10 lakhs. On top of that, the card has insurance benefits for travel emergencies that give international travelers peace of mind. You must lodge a police complaint with supporting documentation to file an insurance claim.

Concierge Services

The card’s standout feature is its 24×7 Global Concierge Desk that you can reach at 1800-2100-131 for help with:

• Dining referrals and reservation services
• Travel arrangements including airline and hotel bookings
• Pre-trip assistance with passport and visa requirements
• Flower and gift booking with delivery options
• Show and event booking services
• Emergency medical support and roadside assistance

Annual Fee and Maintenance Requirements

The card structure has:

• Minimum joining fee of Rs. 500
• Annual fee waived completely when you use the card once per quarter
• 300+ reward points on first usage
• Card validity of five years with zero balance maintenance requirements

This card stands out as one of PNB’s best credit cards for international travelers who want convenient currency management with premium benefits.

PNB Advantage Platinum Credit Card

We designed the PNB Advantage Platinum Credit Card as a practical option for everyday users. The card combines everything with value-focused features that make it unique among Punjab National Bank’s credit card offerings.

Everyday Spending Benefits

The PNB Advantage Platinum Card rewards regular transactions through a simple point system. Users earn 1 reward point for every ₹100 spent on retail purchases. This makes accumulating benefits through daily spending easy. New cardholders get a generous welcome bonus of 300+ reward points. They need to make their first transaction within 90 days of receiving the card. The card gives 50 extra reward points when users register for the E-bill facility. Each reward point equals ₹0.25, which lets users convert 1000 points into ₹250 worth of benefits.

Fuel Surcharge Waiver

The detailed fuel surcharge waiver program stands out as a practical benefit. Users get a 1% fuel surcharge refund at any petrol pump in India. This applies to transactions between ₹500 and ₹4,000. The maximum waiver is ₹250 per month, which saves money for regular commuters. The waiver works at all fuel outlets instead of specific ones, making it more convenient for cardholders.

Utility Bill Payment Rewards

The card makes household financial management easier through its utility bill payment feature. Cardholders can pay electricity, telephone, and mobile bills through www.visabillpay.in/pnb. The card rewards users with exclusive cashback on utility bills. Points earned from these everyday expenses add to the total balance and stay valid for three years from when you earn them.

Fee Structure and Eligibility

The card’s fees are competitive in this segment. Users pay an annual fee of ₹500, but it’s waived if they use the card once every quarter in the previous year. Most people end up paying no fees while getting premium benefits. The interest-free period ranges from 20-50 days, which helps manage payments better. People aged 21 and above with income of ₹5,00,000 or higher can apply for this card, making it available to most working professionals.

PNB Corporate Credit Card

PNB Corporate Credit Card helps large organizations control their expenses centrally with custom financial management solutions that make corporate spending more efficient. Business owners consider this card one of the best credit cards in India when they need efficient expense tracking and combined billing.

Business Expense Management

The card provides two distinct liability structures that match different corporate needs:

• Individual Liability: Executives and employees of corporations, registered societies, institutions, and firms with satisfactory PNB accounts can apply
• Corporate Liability: The combined management comes with corporate-wide limits calculated through multiple methods:
  • 15% of average operating expenses from previous three years for businesses with existing PNB credit exposure
  • 20% of average credit summations from previous two years (maximum ₹10 lakhs) for corporations without existing credit exposure
  • Up to 80% of term deposit amount or ₹50 lakhs (whichever is lower) for deposit-backed options

Corporate Reward Structure

We designed the reward program to encourage smart corporate spending:

• You earn 1 reward point for every ₹100 spent
• Each point equals ₹0.50, so 1000 points give you ₹500 in redemption value
• Your points stay valid for three years from when you earn them
• You need at least 500 reward points to start redeeming

Tax Benefits and Reporting

The card gives you significant tax advantages through:

• Interest-free repayment period (20-50 days) that improves your cash flow management
• The system categorizes expenses automatically for easier tax filing
• You get 24/7 access to online Management Information System (MIS) with over 50 detailed reports
• Category-wise spending analysis helps identify tax-deductible business expenses

Annual Fee and Corporate Eligibility

Your annual fees depend on the liability structure:

• Corporate card with corporate liability: ₹2,000
• Corporate card with individual liability: ₹1,000

PNB’s corporate customers must maintain satisfactory accounts. Retired staff members can use their cards until expiration, and PNB will revise their limits afterward.

PNB RuPay Premium Credit Card

The PNB RuPay Premium Credit Card serves as a simple entry-level option in Punjab National Bank’s credit card lineup. This versatile card has standard benefits that appeal to customers who want everyday utility without complicated reward structures.

Domestic Benefits Package

PNB RuPay Premium Credit Card holders get practical advantages for domestic use. The card gives free access to domestic airport lounges, making travel more comfortable without premium pricing. Users receive complete insurance coverage up to ₹2 lakhs for accidental death and personal total disability. The card’s 24/7 concierge services help with dining referrals, reservation services, and emergency assistance.

Shopping and Entertainment Rewards

Users can easily track and earn points through a simple reward structure:

• Earn 1 reward point for every ₹100 spent on retail transactions
• Receive 300+ bonus reward points on first card usage
• Each reward point values at ₹0.50, making 1000 points worth ₹500
• Points remain valid for 3 years from the date of accrual
• Minimum 1000 points required for redemption eligibility

Card members can access exclusive cashback offers on utility bills, eateries, and restaurants. More than 300 merchant offers in different categories provide extra savings throughout the year.

Digital Transaction Benefits

Tech-savvy users can choose a virtual-only option during application. The virtual version creates a dynamic CVV that changes after each transaction, adding better security for online purchases. Customers get instant card access through the PNB GENIE mobile app instead of physical plastic. RuPay credit cards work with UPI transactions, letting users make QR code scanning payments—a feature many competitor cards don’t offer.

Fee Structure and Eligibility Requirements

The card keeps costs low with a user-friendly fee structure. The annual fee is ₹500, but customers who use their card once per quarter in the preceding year pay nothing. Fuel purchases between ₹500-₹4,000 get a surcharge waiver, with a limit of ₹250 per billing cycle. People aged 21-65 years with a minimum gross annual income of ₹3.5 lakhs can apply for this card.

Comparison Table of Best PNB Credit Cards

Credit Card Name	Annual Fee	Reward Points Structure	Key Benefits	Welcome Bonus	Fuel Surcharge Waiver
PNB Global Platinum	₹999 + GST	2 points per ₹150 spent	Global acceptance, 24×7 concierge services	50 points on E-bill registration	1% waiver at petrol stations
PNB Pride Platinum	₹500	4 points per ₹200 spent	Free add-on cards, EMV chip technology	300+ bonus points	1% (₹400-₹4,000)
PNB RuPay Select	₹750	2 points per ₹150 spent	Complimentary lounge access, ₹10L insurance	300+ points	1% (₹500-₹3,000)
PNB Platinum Royale	₹500	2 points per ₹150 spent	Access to 5,000+ merchants, EMV chip technology	Not mentioned	Not mentioned
PNB RuPay Millennial	₹399 (joining)	2 points per ₹150 spent	₹10L insurance, gym membership	300 points	₹50 per transaction
PNB Global Gold	No joining fee	1 point per ₹100 spent	Worldwide acceptance, lounge access	Not mentioned	1% (₹400-₹3,000)
PNB RuPay Platinum Patanjali	₹500	1 point per ₹150 spent	2% cashback on Patanjali purchases, ₹2L insurance	300 points	Not mentioned
PNB Visa Business	Not mentioned	1 point per ₹100 spent	Business expense management, tax benefits	Not mentioned	Not mentioned
PNB RuPay Select Patanjali	₹750	2 points per ₹150 spent	₹10L insurance, Patanjali cashback	300+ points	Not mentioned
PNB Platinum Plus	₹500	2 points per ₹150 spent	24×7 concierge, global acceptance	300 points	Not mentioned
PNB Visa Signature	₹2,000	1 point per ₹100 spent	Concierge service, lounge access	Not mentioned	Not mentioned
PNB World	₹500	Not mentioned	Multi-currency capability, ₹3.5L insurance	300+ points	Not mentioned
PNB Advantage Platinum	₹500	1 point per ₹100 spent	E-bill facility, utility bill payments	300+ points	1% (₹500-₹4,000)
PNB Corporate	₹1,000-₹2,000	1 point per ₹100 spent	Business expense management, MIS reports	Not mentioned	Not mentioned
PNB RuPay Premium	₹500	1 point per ₹100 spent	Lounge access, ₹2L insurance	300+ points	₹500-₹4,000

Conclusion

PNB credit cards excel with their competitive fees and reward programs. Their card lineup caters to different customer needs. The Global Platinum card offers premium travel perks, while the RuPay Millennial focuses on digital-first features.

PNB’s credit card collection strikes a great balance between cost and value. Select cards come with no joining fees, and you can avoid annual charges based on your quarterly spending. The rewards are quite attractive – you’ll earn 1-4 points for every ₹100-200 spent, and each point is worth ₹0.25-0.50. Premium options like PNB World and Visa Signature cards come with insurance coverage up to ₹10 lakhs. Patanjali co-branded cards give you targeted cashback benefits.

Your spending habits and lifestyle should guide your PNB credit card choice. Business cards offer dedicated expense tracking tools that business owners need. Shopping enthusiasts can rack up reward points faster with specific cards. Premium cards give travel lovers everything they need – from airport lounges to concierge services.

The right PNB credit card should fit your needs without breaking the bank. Take time to review your monthly spending, preferred rewards, and must-have features before you pick from PNB’s card selection.

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