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PNB offers a range of credit cards that can serve your needs if you are looking for a credit card with regular lifestyle-related benefits and a simple rewards program. These cards come with various features and benefits that make shopping and other transactions convenient and rewarding. Check out all the top Punjab National Bank Credit Cards and read on to know about the associated fees and charges, eligibility criteria and application process to choose and apply for the card that suits your needs the best.

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Updated: 13-11-2024 06:28:44 AM

Disclaimer: Punjab National Bank is not a Paisabazaar partner and all content herein is strictly informative in nature. Paisabazaar is not affiliated with, sponsored by or in any way connected to Punjab National Bank. No credit card offers/services from Punjab National Bank are being provided by Paisabazaar. For further information about Punjab National Bank credit cards, users are required to reach out directly to Punjab National Bank.

Top Punjab National Bank Credit Cards

PNB offers different card types for both, people with an existing credit history or those who are new to credit. These credit cards are offered under multiple categories, including shopping, rewards, travel & cashback, and come with a relaxed eligibility criteria.
You can apply for any of the credit cards based on the eligibility, your spending pattern and your repayment capacity. Here are some of the top PNB credit cards that you can refer to while finding your perfect card match:

PNB Credit Card Annual Fee Best-suited For
PNB RuPay Platinum Credit Card Rs. 500 Shopping, Travel and Rewards
PNB RuPay Select Credit Card Rs. 750 Shopping, Travel and Rewards
PNB RuPay Millennial Credit Card Rs. 999 Shopping and Rewards
PNB Rakshak RuPay Platinum & Select Credit Cards Platinum: Rs. 500
Select: Rs. 750		 Defense Personnel
PNB Visa Classic Credit Card Nil Shopping and Rewards
PNB Visa Gold Credit Card Rs. 300 Shopping and Rewards
PNB Visa Platinum Credit Card Rs. 500 Shopping, Travel and Rewards
PNB Visa Signature Credit Card Rs. 2,000 Entertainment and Lifestyle
PNB Patanjali RuPay Select & Platinum Credit Cards Platinum: Rs. 500
Select: Rs. 750		 Co-branded Benefits on Shopping
PNB EMT RuPay Platinum Credit Card Rs. 2,000 Co-branded Benefits on Travel

Suggested Read: Check 25 Best Credit Cards in India in 2024 and find the right card as per your spending habits.

On this page
PNB Credit Card: Fees and Charges
PNB Credit Card: Eligibility and Documentation
How to Apply Online for Top Credit Cards
Quick Links to Manage your PNB Credit Card
FAQs Related To PNB Credit Card

PNB Credit Card: Fees and Charges

Some of the common fees and charges applicable to all PNB Credit Cards are mentioned in the table below:

Fee Type Amount
Joining/Annual Fee Varies from card to card
Finance Charges* 2.95% p.m. (35.89% pa.)
Late Payment Charges For outstanding amount of:

Up to Rs. 100: Nil
Rs. 101 to Rs. 1,000: Rs. 200
Rs. 1,001 to Rs. 5,000: Rs. 500
Rs. 5,001 to Rs. 10,000: Rs. 600
More than Rs. 10,000: Rs. 750

*The applicable finance charges/interest rate on PNB Credit Cards issued against FD are 1.5% per month, or 19.56% per year.

Click here for the detailed PNB Credit Card fees and charges, along with other related terms and conditions.

PNB Credit Card: Eligibility and Documentation

PNB offers credit cards to people who have maintained a good credit score. However, people who are new to credit can also apply for some of these cards. Below mentioned is the eligibility criteria set by the bank that you must satisfy to apply for any of the credit cards:

  • Age: The applicant must be above 18 years in age
  • Occupation: Salaried or self-employed
  • Documents Required: Click here to check the list of acceptable documents for PNB credit cards

How to Apply Online for Top Credit Cards

PNB is not a Paisabazaar partner therefore you cannot directly apply for PNB Credit Cards via Paisabazaar. To apply for a PNB Credit Card, you can visit the bank’s official website or visit the nearest bank branch.
However, other than PNB Cards, you can compare and apply for other credit cards via Paisabazaar after finding the right one for you. Follow the below-mentioned steps to find out and apply online for the best credit cards you are eligible for:

Step 1: Enter Your Mobile Number
Provide your mobile number in the form to begin the credit card application process.

Step 2: Verify OTP and Check Available Offers
Provide the OTP received on your number to check the pre-qualified credit card offers on the screen.

Step 3: Select Preferred Bank’s Credit Card
Based on the offers shown as per your income eligibility, select the best credit card that suits your requirements.

Step 4: Apply and Provide Documents
Apply for the credit card of choice and provide the necessary documents for further processing of the card application.

FAQs Related To PNB Credit Card

Q. What all RuPay credit card variants are offered by PNB?

A. Punjab National Bank offers several RuPay credit card variants, including PNB RuPay Platinum, RuPay Select, RuPay Millennial credit cards. The cards co-branded with Patanjali and EaseMyTrip are also available on RuPay network.

Q. Can I apply for the PNB Credit Card online?

A. Yes, Punjab National Bank now provides the facility of submitting the credit card application online. To apply online, you can opt for different ways including the mobile assisted agent app – PNB SARAL, DIY (Do It Yourself) link on the bank’s website, or via the online links on PNB One, IBS and website.
In order to apply for any of the PNB credit cards offline, you have to visit the nearest bank branch to fill and submit the PNB credit card application form. This form can be downloaded online from the bank’s credit card portal.

Q. How is PNB Wave & Pay Credit Card different from other cards?

A. PNB Wave & Pay Credit Card is different from traditional credit cards as it is equipped with Visa PayWave technology, under which you do not have to swipe the card for transactions up to Rs. 5,000. You just have to tap the card on the POS machine and your payment will be done without entering the PIN.

Q. What is the interest rate of PNB credit cards?

A. At present, the interest rate offered on PNB credit cards is 2.95% per month on a reducing basis. The Annual Percentage Rate (APR) is 35.89%. However, note that these interest rates are subject to change at the bank’s discretion.

Q. Can I get a PNB credit card without a job?

A. Yes, you can get a PNB credit card even if you do not have a job. However, you will have to apply for a secured credit card and deposit a certain amount in a fixed deposit account against which a credit card can be issued. Secured credit cards will let you earn interest against the deposited amount while you make transactions using the credit card. The credit limit will be a bit lesser than the amount deposited.

Q. Which credit card is best in PNB?

A. PNB offers multiple credit cards to fulfill the varying needs of different card users. The best credit card out of these will depend upon which of these suits your requirements the most. For instance, PNB Visa Classic, PNB Visa Gold, and PNB Rupay Millennial are good for shopping and rewards, while PNB EMT RuPay card is better-suited for travel spends.
The bank also offers varying cards suitable for different income or occupational groups, such as PNB Rakshak Rupay cards for defense personnel. Thus, to find the right credit card, you must choose a card as per your spending patterns and preferences.

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