VISA
Punjab National BankPNB Visa Gold Credit Card
JoiningFREE
Annual₹300/yr
RewardOne reward point for every ₹100 spent on retail purchases.
Credit
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🔒 Secure & Free
Entry-LevelEntryVisa
PNB Visa Classic Credit Card
Everyday Visa card with no annual charge
Annual feeLifetime Free
RewardsOne reward point for every ₹100 spent on retail purchases.
Forex markup3.5%3.50% of the transaction value
Secure · Free · No spam calls
Independent comparison platform. Not affiliated with Punjab National Bank. Full disclaimer
Rewards
Base earn rate
One reward point for every ₹100 spent on retail purchases.
Fees & charges
- Joining fee
- ₹0 (Free)
- Annual / renewal fee
- Lifetime free
- Add-on card fee
- Free
- Interest rate
- 2.95% per month
- Overlimit fee
- 2.5%
- Forex markup
- 3.50% of the transaction value
Late payment
| Outstanding amount | Late fee |
|---|---|
| ₹0 – ₹1,000 | ₹0 |
| ₹1,001 – ₹5,000 | ₹500 |
| ₹5,001 – ₹10,000 | ₹600 |
| Above ₹10,001 | ₹750 |
Eligibility
NRI eligible: No
Open to resident individuals who meet the bank’s income and credit assessment. Up to two add-on cards for family members above 18.
Features
✓ Contactless✓ Chip & PIN✓ International usage
Additional features
- Accepted at Visa merchants and ATMs in India and overseas
- Up to two add-on cards for family
- Utility bill payments via the Visa Bill Pay portal
- Limited lost-card liability once reported
FAQs
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Annual₹2K/yr
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