Punjab National Bank Credit Cards – Features, Benefits, Fees, Eligibility & How to Apply
Punjab National Bank (PNB) is a long-standing and reliable bank in India. Many people who already use PNB for savings accounts or fixed deposits also prefer to apply for a PNB credit card. With many card options, choosing the right one can feel confusing. It explains PNB credit cards in simple words and helps you pick the best card for your lifestyle.
Punjab National Bank (PNB) Credit Cards Comparison
| Credit Card | Best For | Joining / Annual Fee | Key Benefits | Lounge Access | Reward Program | RatingOK Recommendation |
|---|---|---|---|---|---|---|
| PNB Visa Signature Credit Card | Premium lifestyle & travel | ₹2,500 / ₹2,500 | Premium rewards, concierge service, insurance and travel privileges | Domestic & International | Reward Points | ★★★★★ |
| PNB RuPay Select Credit Card | Travel & lifestyle | ₹500 / Nil* | 2X reward points, airport lounge access, concierge service | Domestic & International | Reward Points | ★★★★★ |
| PNB RuPay Platinum Credit Card | Everyday spending | Nil* / Nil* | Reward points, cashback offers, insurance cover and merchant discounts | Domestic & International | Reward Points | ★★★★☆ |
| PNB RuPay Millennial Credit Card | Young professionals | ₹500 / ₹500 | Rewards on online shopping, dining and entertainment | No | Reward Points | ★★★★☆ |
| PNB Visa Platinum Credit Card | Shopping & rewards | ₹500 / ₹500 | Reward points, fuel surcharge waiver and insurance benefits | Domestic | Reward Points | ★★★★☆ |
| PNB Visa Gold Credit Card | Regular spending | ₹300 / ₹300 | Reward points on retail purchases and EMI facility | No | Reward Points | ★★★☆☆ |
| PNB Visa Classic Credit Card | First-time credit card users | ₹250 / ₹250 | Basic rewards, easy EMI conversion and fuel surcharge waiver | No | Reward Points | ★★★☆☆ |
| PNB Patanjali RuPay Select Card | Patanjali shoppers | ₹500 / Nil* | Extra cashback at Patanjali stores, 2X rewards and lounge access | Domestic & International | Reward Points | ★★★★☆ |
| PNB Rakshak RuPay Select Card | Defence personnel | Nil / Nil* | Exclusive benefits for defence personnel, rewards and lounge access | Domestic & International | Reward Points | ★★★★★ |
| PNB Wave & Pay Credit Card | Contactless payments | Varies | Tap-and-pay transactions with reward points and security features | No | Reward Points | ★★★☆☆ |
*Annual fee waiver is generally available if the card is used at least once every quarter, as per PNB's terms.
Why People Choose PNB Credit Cards
PNB is a government-backed bank, so many people trust it for security and easy banking. People like PNB credit cards because:
- Cards are available for students, salaried employees, business owners, and travelers
- Low or zero annual fees make them affordable
- Cashback, reward points, and shopping discounts are offered
- Travel perks and insurance are available on selected cards
Example: A student in Bengaluru can use the PNB Global Classic Card for groceries and online shopping, while a frequent traveler may choose PNB RuPay Platinum for airport lounge access.
Main Features of PNB Credit Cards
PNB credit cards are easy to use and have clear rules. Key features include:
- Easy Approval: Faster if you already have a PNB account
- Reward Points: Earn points on every purchase and redeem for gifts, shopping, or travel
- Safe Transactions: OTP verification and fraud protection
- Beginner-Friendly: Ideal for students and first-time credit card users
Types of Punjab National Bank Credit Cards
PNB offers cards for different needs. Here’s a simple overview:
| Card Name | Ideal for | Key Benefits |
|---|---|---|
| Global Classic | Beginners/students | Low fee, rewards on groceries & fuel |
| Global Gold | Regular Spenders | Extra rewards on daily spends |
| Global Platinum | Premium Users | Higher rewards, lounge access, insurance |
| RuPay Select | Domestic Travel | Lounge access, travel insurance |
| RuPay Platinum | Frequent Travelers | Airport lounge, shopping perks |
| RuPay Millennial | Young Users | Fitness, shopping, and travel offers |
| Business Card | Business Owners | High credit limit, easy record-keeping |
Example: A small business owner in Mumbai can use the PNB Business Card to pay suppliers and manage expenses without carrying cash.
Benefits of Using PNB Credit Cards
Using a PNB credit card wisely helps you save money and manage expenses.
- Cashless payments for bills and shopping
- Earn reward points on every spend
- Travel perks like lounge access
- Emergency financial support
Example: Paying electricity bills using a PNB credit card earns points that can be redeemed for movie tickets or mobile recharge.
Quick Comparison
| Category | Best PNB Credit Card |
|---|---|
| Best Overall | PNB Visa Signature Credit Card |
| Best Premium Card | PNB Visa Signature Credit Card |
| Best Travel Card | PNB RuPay Select Credit Card |
| Best Lifetime Free Card | PNB RuPay Platinum Credit Card |
| Best UPI & RuPay Card | PNB RuPay Select Credit Card |
| Best Shopping Card | PNB Patanjali RuPay Select Card |
| Best for Defence Personnel | PNB Rakshak RuPay Select Card |
| Best for Young Professionals | PNB RuPay Millennial Credit Card |
| Best for Beginners | PNB Visa Classic Credit Card |
| Best Value for Money | PNB RuPay Select Credit Card |
Eligibility and Documents Required
To apply for a PNB credit card:
- Age: 21–70 for primary, 18+ for add-on cards
- Income: Stable income; varies by card
- Credit History: Must be good for unsecured cards
Documents Needed: Identity proof (PAN, Aadhar, Passport, Voter ID, or Driving License), Address proof, and Income proof (Salary slips or ITR)
How to Apply for a Punjab National Bank Credit Card
PNB requires a branch visit for credit card application:
- Download the form from the PNB website
- Fill it and attach required documents
- Submit it at the nearest branch
Tip: Download the form online, fill it, and submit it to save time.
Tracking & Activating Your Card
- Track Application: Call 1800-180-2345, email creditcardpnb@pnb.co.in, or visit a branch.
- Activate Card: Call customer care, use a PNB ATM, or visit the branch to set a PIN.
Smart Tips to Use PNB Credit Cards
- Always pay bills on time
- Don’t overspend beyond your income
- Track and redeem reward points before expiry
- Limit cash withdrawals to emergencies
- Check statements regularly
Lifetime Free PNB Credit Card
The PNB Global Classic Card is a lifetime free card with:
- No annual fee
- Reward points on daily spending
- Simple features for beginners
Example: A student in Pune uses this card for groceries and mobile recharge, earning points without paying any annual fee.
Should You Get a PNB Credit Card?
PNB credit cards are safe, simple, and suitable for everyone—from students to business owners. By comparing card features, understanding reward points, and using the card responsibly, you can save money, earn rewards, and enjoy convenient financial management.
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Frequently Asked Questions
- Who can apply for a PNB credit card?
Anyone aged 21–70 with a stable income (salaried or self-employed) can apply. For secured or add-on cards, the minimum age is 18.
- How can I apply for a PNB credit card?
You can apply online through the PNB website or apps like PNB SARAL and PNB One. Alternatively, visit a nearby branch to submit the application form.
- What documents are required?
You need a PAN card and one address proof, such as Aadhar, voter ID, passport, or driving license. Submit self-attested copies along with your application.
- Can I get a card without a job?
Yes, by applying for a secured credit card. Deposit a fixed amount in the bank, and it becomes your credit limit.
- How do I activate my PNB credit card?
Activate it through the mobile banking app or send an SMS:
ACTIV <last 6 digits of card> <DOB in ddmmyyyy> to 7092200200.- How much credit limit can I get?
The limit depends on your card type, income, and credit profile. It usually ranges from Rs. 10,000 to Rs. 15,00,000.
- Is it possible to take out cash using my card?
Yes, up to 20% of your credit limit. A single transaction cannot exceed 50% of your available cash limit.
- How long is the interest-free period?
You get 20–50 days interest-free on purchases if the previous month’s dues are cleared. ATM cash withdrawals do not have this benefit.
- What is the interest rate?
Currently, it’s 2.95% per month on a reducing balance (APR 35.89%). Rates may change at the bank’s discretion.
- Are there any fees?
Yes, some cards have joining and annual fees. Certain cards may waive fees if you meet annual spending targets. Add-on cards are free except for the RuPay Millennial card (Rs. 399).
- Which cards provide airport lounge access?
PNB RuPay Select, RuPay Platinum, RuPay Millennial, PNB Rakshak, Visa Signature, and EaseMyTrip RuPay Platinum cards offer lounge access.
- How can I check my card balance?
Check your latest statement, use the PNB mobile app, or call customer care.
- How do I redeem reward points?
Call customer care at 1800 1800. 1 point = Rs. 0.25. Points can be used for movies, hotels, and other services. No fees are charged for redemption.
- What should I do if my card is lost or stolen?
Call 1800-180-2345 or 0120-4616200 immediately to block your card.
- How can I close my PNB credit card?
Send an SMS: DEACTIV <last 6 digits of card> <DOB in ddmmyyyy> to 7092200200 or contact customer care.