At a Glance
Key Benefits
1-2 RP per Rs.100, Rs.2L insurance, fuel surcharge waiver, fee waiver on Rs.1L spend
Lounge Access
No lounge access available
Eligibility
Age: 21-65 years, Monthly income: Rs.25,000+, CIBIL: 700+
Quick Details
Reward Structure
All Spends
Online Shopping
Reward Calculator
Milestone Benefits
Annual fee waiver on spending Rs.1 lakh in the previous year
Spend ₹1,00,000 within 365 days
value
Insurance Coverage
Accident
₹2,00,000
Accidental death or permanent disability coverage
Lost Card
₹50,000
Lost card liability protection after reporting
Lifestyle Perks
Fuel
1 /month
1% fuel surcharge waiver on transactions Rs.500-Rs.3,000 (max Rs.200/month)
Emi
Convert purchases to EMI with flexible tenure options
Quick Analysis
PNB Visa Gold Credit Card is a mid-tier offering for those who want Visa international acceptance with moderate benefits. Best suited for PNB account holders with regular spending who can achieve the annual fee waiver threshold.
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
Best For
PNB customers, international travelers, moderate spenders
Not Ideal For
Premium benefit seekers, frequent flyers, high reward seekers
Frequently Asked Questions
What are the fees for PNB Visa Gold Credit Card?
What is the reward points structure?
Does PNB Visa Gold offer lounge access?
What is the fuel surcharge waiver?
What insurance does this card provide?
User Reviews
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