VISA
Punjab National BankPNB Visa Classic Credit Card
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AnnualFREE
Reward1%
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Metal Visa Infinite for global travel
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20,000 reward points on ₹50,000 spend in 90 days
Base earn rate
Four reward points (worth ₹1) for every ₹100 spent; 3X on travel and dining.
Late payment
Nil up to ₹1,000; ₹500 for ₹1,001–₹5,000; ₹600 for ₹5,001–₹10,000; ₹750 above ₹10,000
Additional features
Remaining 80% of spend earns the 1% base rate.
Rewards / year
₹8,400
≈ 1.40% effective
Annual fee
₹0 (waived)
waived at ₹6,00,000/yr spend
Net steady-state return
+₹8,400/year
Strong fit at this spend
At ₹50,000/month, rewards outrun the fee by ₹8,400 a year.
One-time joining fee (year 1 only): ₹4,999
One-time welcome benefit: ~₹5,000 — 20,000 rewards point on spend of Rs.50k in 90 days of activation
Based on published rates as of 2026-08-07; assumes PNB reward points (4 RP = Rs.1). Rewards estimates, not guarantees.
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Punjab National Bank🔒 Secure & Free
Punjab National Bank🔒 Secure & Free
Punjab National Bank🔒 Secure & Free
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