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Explore various types of PNB Credit Card charges, including annual fees, cash withdrawal fees, etc. This will help you make an informed decision and compare your options!
Whether you withdraw cash using your credit card, make foreign transactions, or use the balance transfer facility, you need to pay some fees and charges. Besides, knowing the types of PNB credit card charges helps you select a card that matches your lifestyle needs at affordable costs.
When you get a credit card, you typically need to pay an annual fee on a yearly basis to keep your account active. This fee varies for different types of cards that PNB offers. However, this fee may be waived with some credit cards if you meet certain spending milestones.
Refer to the table below to know the renewal fee for various cards:
Credit Card |
Joining Fees (Excluding Taxes) |
Annual Fees (Excluding Taxes) |
|---|---|---|
PNB Visa Classic Card |
NIL |
NIL |
PNB Visa Gold Card |
NIL |
₹300 |
PNB Visa Signature Card |
₹1,500 |
₹2,000 |
PNB Visa Platinum Card |
NIL |
₹500 |
PNB Rakshak RuPay Platinum Card |
₹500 |
₹500 |
PNB Rupay Millennial Card |
₹399 |
₹999 |
PNB RuPay Select Card |
₹500 |
₹750 |
PNB RuPay Platinum Credit Card |
NIL |
NIL |
PNB Patanjali Rupay Select Credit Card |
₹500 |
NIL |
PNB Patanjali Rupay Platinum Credit Card |
NIL |
NIL |
PNB EMT RuPay Platinum Credit Card |
₹2,000 |
₹2,000 |
Disclaimer: The above-mentioned fees and charges are subject to change as per changes in the issuer’s policies.
In case you need instant access to cash, you can withdraw cash from an ATM using your credit card. Check out the table below to know the charges:
| Cash Withdrawal Charges (Domestic) | 2% of cash withdrawn or ₹100 to ₹200, whichever is higher |
| Cash Withdrawal Charges (Overseas) | 2% of cash withdrawn or ₹250 to ₹300, whichever is higher |
Disclaimer: The above-mentioned fees and charges are subject to change as per changes in the issuer’s policies.
PNB Credit Card forex charges apply when you make transactions in a foreign country or to a foreign merchant. Like many other facilities, these charges also depend on the transaction amount.
Refer to the table given below to know the forex charges:
Foreign Currency Transaction Charges |
3.50% markup over and above the currency conversion rate |
Disclaimer: The above-mentioned fees and charges are subject to change as per changes in the issuer’s policies.
Another PNB Credit Card fee you need to know about is the balance transfer fee. This fee applies when you shift another credit card's balance to a PNB credit card. It is typically a percentage of the total outstanding amount that you choose to transfer to your card. Here are the charges:
Balance Transfer Charges |
1% of the transfer amount or ₹199, whichever is higher |
Disclaimer: The above-mentioned fees and charges are subject to change as per changes in the issuer’s policies.
In some cases, issuers allow you to complete transactions that exceed the credit limit on your card if required. This facility, however, comes with an over-limit charge, depending on the transaction amount. Refer to the following table to know the over-limit charges:
Credit Card |
Over-limit charges |
|---|---|
PNB Visa Classic Card |
2.5% or a minimum of ₹250 |
PNB Visa Gold Card |
2.5% or a minimum of ₹250 |
PNB Visa Signature Card |
2.5% or a minimum of ₹500 |
PNB Visa Platinum Card |
2.5% or a minimum of ₹500 |
PNB Rakshak RuPay Platinum Card |
2.5% or a minimum of ₹500 |
PNB Rupay Millennial Card |
2.5% or a minimum of ₹500 |
PNB RuPay Select Card |
2.5% or a minimum of ₹500 |
Disclaimer: The above-mentioned fees and charges are subject to change as per changes in the issuer’s policies.
Note: The minimum over-limit charges are ₹250 for credit cards issued against a Fixed Deposit.
In case you fail to pay at least the minimum amount due by the payment due date, the credit card provider applies late payment charges. It is generally a percentage of the amount due.
In addition to this charge, the interest also applies to the balance amount till you repay the entire due amount. Refer to the table below to know the late payment charges:
Outstanding Balance |
Late Payment Charges |
|---|---|
₹1,000 or less |
NIL |
₹1,001 to ₹5,000 |
₹500 |
₹5,001 to ₹10,000 |
₹600 |
Above ₹10,000 |
₹750 |
For credit cards against an FD |
30% of the minimum amount due (Subject to late payment charges of a minimum of ₹200 and a maximum of ₹500 per billing cycle) |
Disclaimer: The above-mentioned fees and charges are subject to change as per changes in the issuer’s policies.
Here are some other PNB credit card fees and charges that you need to be aware of:
Types of Charge |
General Range |
|---|---|
Annual Fee for Add-on Cards |
NIL |
Limit Enhancement |
NIL |
Finance Charges or Interest Rate p.m. on Revolving Credit, Cash Withdrawn, and Amount Overdue |
Regular credit cards: 2.95% per month Credit cards against an FD: 1.55% per month |
Return of Cheque, Dishonour, ECS, and Auto debit |
Regular credit cards: ₹100- ₹250 per instrument Credit cards against FD: Minimum ₹250 |
Duplicate Statement (beyond 3 months) |
₹50 |
Card Replacement Fee (for reasons other than technical defects) |
₹100- ₹250 |
Disclaimer: The above-mentioned fees and charges are subject to change as per changes in the issuer’s policies.
The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort.
The information including interest rates or fees and charges with regard to any credit card, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, trade names, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.
Yes, depending on the type of card you choose, various types of PNB Credit Card fees and charges apply. These include fees and charges for cash withdrawal, card replacement, getting add-on cards, etc.
You do not need to pay any annual charges for add-on credit cards. However, you may need to pay a joining fee, depending on the type of credit card.
Yes, the PIN replacement fee depends on your credit card type. It ranges between ₹50 to ₹100 per card.
Yes, this fee applies when you transfer the balance from another card to a PNB credit card. It is 1% of the transfer amount or ₹199, whichever is higher.
The charges applicable for retrieval of charge slips for PNB credit cards are ₹100.
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