Punjab National Bank Credit Cards 2025
Explore all credit cards from Punjab National Bank. 10 cards ranked by our experts.
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Best for: First-time credit card users, basic spenders, PNB account holders
Visa Classic Credit Card
APPLY NOW
on Punjab National Bank's website
Annual fee
FREE
Rewards rate
₹0.25/₹100
Joining fee
FREE
Interest rate
35.89%
Card details
Forex Markup
3.50%
Min Monthly Income ₹20
Categories Beginner, Lifetime Free, Rewards
CardNitty's take
Pros
- Lifetime free - no joining or annual fee
- 1 reward point per Rs.100 spent (Rs.0.25 value)
- Accepted at 3.80 lakh+ merchants in India
- Global acceptance at 29 million merchants worldwide
- Interest-free credit period of 20-50 days
- Balance transfer facility at lower interest rates
- EMI conversion available on big purchases
- Up to 2 add-on cards for family members
- Zero redemption fee on reward points
- Fuel surcharge waiver (1% on Rs.400-Rs.3,000)
- Contactless payment enabled
- Easy eligibility - Rs.2.4 lakh annual income
Cons
- No lounge access (domestic or international)
- Basic rewards rate at 1 point per Rs.100
- High interest rate at 35.89% per annum
- High forex markup at 3.5% + GST
- No welcome bonus or joining benefits
- No milestone benefits or accelerated rewards
- Limited insurance coverage
- No premium perks or lifestyle benefits
- Cash advance fee 2% (minimum Rs.150)
- 20% cash withdrawal limit only
- No fuel surcharge waiver on transactions above Rs.3,000
- Minimum CIBIL score of 700-900 recommended
Best for: Domestic travelers, UPI users, lounge access seekers
PNB RuPay Select Credit Card
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on Punjab National Bank's website
Annual fee
₹1,000
Rewards rate
₹0.25 - ₹0.50/₹100
Joining fee
₹1,000
Interest rate
35.40%
Card details
Forex Markup
3.50%
Min Monthly Income ₹50
Categories Lounge Access, Premium, RuPay
CardNitty's take
Pros
- 3 domestic + 2 international lounge visits per quarter
- 500 welcome bonus reward points on first transaction
- 1-2 reward points per Rs.100 spent
- Rs.5 lakh accidental insurance coverage
- RuPay network with UPI credit line support
- 1% fuel surcharge waiver (up to Rs.300/month)
- 24x7 concierge services
- Annual fee waiver on Rs.1.5L spend
- NCMC functionality for metro and transit
Cons
- Rs.1,000 annual fee (higher than basic cards)
- Fee waiver requires Rs.1.5 lakh annual spend
- Basic reward rate of 0.25-0.50%
- 3.5% forex markup
- High APR of 35.4% per annum
- Limited acceptance compared to Visa/Mastercard internationally
Best for: Government employees, PNB account holders, basic rewards
PNB Pride RuPay Platinum
APPLY NOW
on Punjab National Bank's website
Annual fee
₹500
Rewards rate
₹0.25/₹100
Joining fee
₹500
Interest rate
35.40%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Basic Rewards, Government Employees, Lounge Access, RuPay
CardNitty's take
Pros
- Low annual fee of Rs.500 with quarterly waiver
- 1 reward point per Rs.100 spent (0.25% reward rate)
- 2 domestic + 1 international lounge visit per quarter
- 300 welcome bonus reward points on first transaction
- Accidental insurance coverage of Rs.2 lakhs
- 1% fuel surcharge waiver up to Rs.250/month
- 24x7 concierge services for bookings and assistance
- Special focus on government employees
- RuPay network with UPI support
- PNB GENIE mobile app for easy management
Cons
- Annual fee waiver requires quarterly transaction
- Low reward rate of only 0.25% on all spends
- No bonus categories or accelerated rewards
- Limited international lounge access (1 per quarter)
- Forex markup of 3.5% is on the higher side
- High APR of 35.4% per annum (2.95% monthly)
- Reward points valid for only 3 years
- Minimum 1,000 points required for redemption
- No milestone benefits or spend-based bonuses
- Limited to RuPay network acceptance
Best for: PNB account holders, basic spenders, fuel savings seekers
PNB Global Platinum Credit Card
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on Punjab National Bank's website
Annual fee
₹500
Rewards rate
₹0.33/₹100
Joining fee
FREE
Interest rate
35.40%
Card details
Forex Markup
3.50%
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
Best for: Patanjali loyalists, Ayurveda/wellness enthusiasts, Swadeshi supporters
PNB Patanjali RuPay Platinum
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on Punjab National Bank's website
Annual fee
₹500
Rewards rate
₹0.25 - ₹0.75/₹100
Joining fee
₹500
Interest rate
35.40%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Co-Branded, RuPay, Shopping
CardNitty's take
Pros
- 3x reward points on Patanjali store purchases
- Low annual fee of Rs.500 (waived on Rs.75K spend)
- Exclusive discounts at Patanjali outlets
- 1-3 reward points per Rs.100 spent
- RuPay network with UPI credit line support
- 1% fuel surcharge waiver
- Rs.2 lakh accidental insurance coverage
- NCMC functionality for transit payments
- Support for Made in India brand
Cons
- No airport lounge access
- Limited bonus rewards to Patanjali stores only
- Basic reward rate (0.25%) on non-Patanjali spends
- No welcome bonus
- 3.5% forex markup
- High APR of 35.4% per annum
- Niche appeal - best for Patanjali loyalists
Best for: Defense personnel, armed forces members, veterans
PNB Rakshak Plus RuPay Select
APPLY NOW
on Punjab National Bank's website
Annual fee
₹1,000
Rewards rate
₹0.25 - ₹0.50/₹100
Joining fee
₹1,000
Interest rate
35.40%
Card details
Forex Markup
3.50%
Min Monthly Income ₹50
Categories Defense Personnel, Lounge Access, RuPay
CardNitty's take
Pros
- Exclusive card for defense personnel and armed forces
- 3 domestic + 2 international lounge visits per quarter
- Rs.10 lakh accidental insurance (enhanced for defense)
- 1-2 reward points per Rs.100 spent
- 24x7 concierge and priority customer care
- 1% fuel surcharge waiver (up to Rs.300/month)
- UPI credit line and NCMC functionality
- Annual fee waiver on Rs.1.5L spend
- Special benefits at CSD/canteen stores
Cons
- Limited to defense personnel only
- Rs.1,000 annual fee
- Fee waiver requires Rs.1.5 lakh annual spend
- 3.5% forex markup
- High APR of 35.4% per annum
- Basic reward rate
- Limited acceptance compared to Visa/Mastercard internationally
Best for: Young professionals, millennials, online shoppers, students
PNB RuPay Millennial Credit Card
APPLY NOW
on Punjab National Bank's website
Annual fee
₹499
Rewards rate
₹0.25 - ₹0.50/₹100
Joining fee
₹499
Interest rate
35.40%
Card details
Forex Markup
3.50%
Categories Entry Level, RuPay, Youth
CardNitty's take
Pros
- Low annual fee of Rs.499 (waived on Rs.50K spend)
- Designed specifically for millennials (21-35 years)
- 2x rewards on online shopping and entertainment
- RuPay network with UPI credit line support
- 1% fuel surcharge waiver
- Easy fee waiver with Rs.50K annual spend
- NCMC functionality for transit payments
- Lower income requirement (Rs.15K/month)
- Contactless payment enabled
Cons
- No airport lounge access
- Lower credit limit (max Rs.2 lakh)
- Age restriction (21-35 years only)
- Basic reward rate on non-bonus categories
- 3.5% forex markup
- High APR of 35.4% per annum
- Limited premium benefits
- Only 1 add-on card allowed
Best for: Defense personnel seeking affordable card, armed forces members
PNB Rakshak Plus RuPay Platinum
APPLY NOW
on Punjab National Bank's website
Annual fee
₹500
Rewards rate
₹0.25 - ₹0.50/₹100
Joining fee
₹500
Interest rate
35.40%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Defense Personnel, RuPay
CardNitty's take
Pros
- Exclusive card for defense personnel
- Low annual fee of Rs.500 (waived on Rs.75K spend)
- Rs.5 lakh accidental insurance (enhanced for defense)
- 1-2 reward points per Rs.100 spent
- Priority customer care for defense personnel
- 1% fuel surcharge waiver
- UPI credit line and NCMC functionality
- Lower eligibility requirements than Select variant
Cons
- Limited to defense personnel only
- No airport lounge access
- Lower credit limit (max Rs.3 lakh)
- 3.5% forex markup
- High APR of 35.4% per annum
- No 24x7 concierge services
Best for: Entry-level users, UPI users, transit commuters
PNB RuPay Platinum Credit Card
APPLY NOW
on Punjab National Bank's website
Annual fee
₹500
Rewards rate
₹0.25/₹100
Joining fee
₹500
Interest rate
35.40%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Entry Level, RuPay
CardNitty's take
Pros
- Low annual fee of Rs.500 (waived on Rs.75K spend)
- 1 reward point per Rs.100 spent
- RuPay network with UPI credit line support
- 1% fuel surcharge waiver (up to Rs.200/month)
- Rs.2 lakh accidental insurance coverage
- Easy fee waiver threshold
- NCMC functionality for transit payments
- Contactless payment enabled
- Interest-free period up to 50 days
Cons
- No airport lounge access
- Basic reward rate of 0.25%
- No bonus categories or accelerated rewards
- No welcome bonus
- 3.5% forex markup on international transactions
- High APR of 35.4% per annum
- Limited premium benefits
- No concierge services
Best for: PNB customers, international travelers, moderate spenders
PNB Visa Gold Credit Card
APPLY NOW
on Punjab National Bank's website
Annual fee
₹750
Rewards rate
₹0.25 - ₹0.50/₹100
Joining fee
₹750
Interest rate
35.40%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Rewards, Visa
CardNitty's take
Pros
- Moderate annual fee of Rs.750 (waived on Rs.1L spend)
- 1-2 reward points per Rs.100 spent
- Visa Gold international acceptance
- 1% fuel surcharge waiver (up to Rs.200/month)
- Up to Rs.2 lakh accidental insurance
- Interest-free period of up to 50 days
- EMI conversion facility available
- Balance transfer at lower interest rates
- Global acceptance at millions of merchants
Cons
- No airport lounge access
- Annual fee waiver requires Rs.1 lakh spend
- Basic reward rate of 0.25-0.50%
- 3.5% forex markup on international transactions
- High APR of 35.4% per annum
- Limited lifestyle benefits
- No welcome bonus or milestone rewards
- No concierge services
About Punjab National Bank
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Find the Best Punjab National Bank Card for You
Compare 10 credit cards and choose the one that fits your lifestyle.
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