Can the annual fee be waived?

Yes. The annual fee is waived when your preceding-year usage exceeds the credit limit, with at least one retail transaction each quarter and a regular account.

Which network does the card run on?

The card runs on the Visa network and is accepted in India and overseas.

Entry-LevelGoldVisa

PNB Visa Gold Credit Card

Global Visa Gold with waivable annual fee

Annual fee₹300

Rewards1.00%

Forex markup3.5%3.50% of the transaction value

Apply Now Check Eligibility →

Secure · Free · No spam calls

Rewards

Base earn rate

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

Detailed reward breakdown not available from source

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

Nil up to ₹1,000; ₹500 for ₹1,001–₹5,000; ₹600 for ₹5,001–₹10,000; ₹750 above ₹10,000

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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Entry-LevelGoldVisa

PNB Visa Gold Credit Card

Global Visa Gold with waivable annual fee

Annual fee₹300

Rewards1.00%

Forex markup3.5%3.50% of the transaction value

Apply Now Check Eligibility →

Secure · Free · No spam calls

Rewards

Base earn rate

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

Detailed reward breakdown not available from source

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

Nil up to ₹1,000; ₹500 for ₹1,001–₹5,000; ₹600 for ₹5,001–₹10,000; ₹750 above ₹10,000

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

PNB Visa Gold Credit Card

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Guides and tools

PNB Visa Gold Credit Card

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Guides and tools