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Best for: PNB account holders, basic spenders, fuel savings seekers
PNB Global Platinum Credit Card
APPLY NOW
on Punjab National Bank's website
Annual fee
₹500
#113Rewards rate
₹0.33/₹100
#270Joining fee
FREE
#1Interest rate
35.40%
#35 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹40
Categories Basic Rewards, Fuel Benefits, PNB Cards, Visa
CardNitty's take
Pros
- Zero joining fee (waived if first 6 months spend exceeds credit limit)
- Annual fee Rs.500 + GST (waivable if annual spend exceeds limit)
- 2 reward points per Rs.150 spent (0.33% reward rate)
- Each reward point worth Rs.0.25 value
- Minimum 500 points required for redemption
- 1% fuel surcharge waiver on Rs.400-Rs.3,000 transactions
- 50 bonus points on e-bill registration
- 24x7 Visa Platinum concierge services
- Global acceptance at 29 million merchants
- Contactless payment enabled
- Up to 2 free add-on cards
- 20% discount on ZEE5 subscription
- Dining discounts at Sarovar Hotels (10-25%)
- 10% wellness discount via Kairali Ayurvedic Group
- Lost card liability protection
- Interest-free period 20-50 days
Cons
- No airport lounge access (domestic or international)
- Low reward rate of only 0.33% on all spends
- No welcome bonus or joining benefits
- No milestone benefits or spend-based bonuses
- No insurance coverage (accident, travel, purchase protection)
- High interest rate at 35.4% per annum (2.95% monthly)
- High forex markup at 3.5% + GST on foreign transactions
- Reward points valid for only 3 years
- Minimum 500 points required for redemption (Rs.1,500 spend)
- No rewards on fuel, jewelry, cash withdrawals
- Late payment fee 30% of minimum due or Rs.500 minimum
- High eligibility requirement - Rs.5 lakh annual income
- Cash advance limit only 40% of credit limit
- Limited lifestyle benefits compared to premium cards