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PNB Visa Gold Credit Card credit card
Entry-LevelMidVisa

PNB Visa Gold Credit Card

Global Visa Gold with waivable annual fee

Annual fee₹300
RewardsOne reward point for every ₹100 spent on retail purchases.
Forex markup3.5%3.50% of the transaction value
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Rewards

Base earn rate

One reward point for every ₹100 spent on retail purchases.

    Fees & charges

    Joining fee
    ₹0 (Free)
    Annual / renewal fee
    ₹300
    Annual fee waiver
    Annual fee waived when preceding-year usage exceeds the credit limit and there is at least one retail transaction each quarter, with an account that has stayed regular.
    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 amountLate fee
    ₹0 – ₹1,000₹0
    ₹1,001 – ₹5,000₹500
    ₹5,001 – ₹10,000₹600
    Above ₹10,001₹750
    View official MITC →

    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 worldwide
    • Reward points on retail spends
    • Up to two add-on cards for family
    • Utility bill payments via the Visa Bill Pay portal

    FAQs

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