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Step into the world of PNB Credit Cards – where tradition meets innovation and rewards await. Join the trendsetters and unlock exclusive perks with PNB credit cards, seamlessly integrated with the PNB Rewardz program. Earn points for cashback, movie tickets, and more. PNB credit cards offer users rewards, convenience, and flexibility. Choose from a range of cards tailored to your lifestyle. 

Some of the Top Punjab National Bank Credit Cards

 Card Name


PNB RuPay Platinum Credit Card

  • Earn 300+ reward points for your first payment

  • Cashback on paying utility and dining bills

  • Insurance cover 

  • Offers from more than 300 merchants

  • 24X7 concierge services





PNB RuPay Select Credit Card

  • Access to domestic and international lounges for free

  • Double reward points on retail transactions

  • Comprehensive insurance coverage

  • Cashback and offers from partners 

  • No annual fee for using the card once in 4 months 

  • Joining fee of just ₹500





PNB RuPay Millennial Credit Card

  • Comprehensive Insurance Cover of up to ₹10 Lakhs

  • Special package for health tests 

  • Complimentary access to airport lounges

  • Free spa bookings, golf rounds, and gym membership

  • More than 300 points on activating the card 

  • 300+ reward points on activation




PNB Global Classic Credit Card

  • All-purpose credit card

  • 1x reward on every ₹100 spent

  • Up to 2 add-on cards for family

  • Protection from fraud

  • Accepted by 3.8 lakh merchants and at more than 30,000 ATMs




PNB Visa Signature Card

  • Premium card that can be used worldwide 

  • 50% off on movie tickets and deals on food combos from BookMyShow

  • Easy flight and hotel booking with 24X7 concierge support

  • 24/7 Concierge assistance on flight bookings, hotel reservations

  • Free access to domestic lounges

  • Multiple offers from partners 

Features and Benefits

Here are the general features and benefits you can get with a Punjab National Bank credit card: 

Balance Transfer

This feature allows you to transfer the dues of your other cards to your PNB credit card. This allows you to save on the interest payment with a 6-month EMI repayment scheme. The finance charges are 0.READ MORE99% per month for up to 90% of the credit limit. READ LESS

Revolving Credit

This facility enabled you to transfer your current billing cycle’s balance to the next month. This way, you can simply repay the minimum due on your card and pay the rest in the next cycle. However, keREAD MOREep in mind that interest will be levied at 2.95% per month on your outstanding amount.  READ LESS

Add-on Cards

As a primary cardholder, you can share the credit limit and other benefits of your credit card with your family members. All you need to do is apply for an add-on card. You can apply for 2 add-on cardsREAD MORE and benefit from just one consolidated billing cycle. READ LESS

Fuel Surcharge Waiver

Fuel surcharge refunds are a great way to save on fuel, especially given the increase in prices. As a PNB credit cardholder, you can enjoy fuel surcharge refund benefits with a minimum transaction of ₹READ MORE400 to ₹500, depending on the card you have. READ LESS

EMI Feature

When you make large purchases through your credit card, repaying it in a single payment may strain your budget. Not paying it in full can also be heavy on the pocket. So, opting for the EMI scheme alloREAD MOREws you to make small, easy payments. This facility applies to any transaction over ₹2,500. READ LESS


You can earn exciting reward points that differ across transactions. Depending on your card variant, you can earn up to 2 reward points for every ₹100 spent. On joining and activation, you can get up tREAD MOREo 300 points. Redeem them for shopping vouchers, mobile recharge, and more.  READ LESS

Exclusive Offers

You can enjoy offers from RuPay and VISA based on your chosen Punjab National Bank credit card. They span categories like education, entertainment, food delivery, and more.  

Eligibility Criteria and Documents Required

Eligibility Criteria for PNB Credit Cards:

Depending on the type of credit card you wish to apply for, the eligibility criteria may slightly vary. Ensure that you meet the terms for the specific PNB credit card. Apply online only after reviewing it to enjoy a seamless application process. 


The general eligibility criteria include the following:

  • Your age should be 21 and not more than 65

  • Your yearly income should be at least ₹5 Lakhs or your FD amount should be of ₹65,000

  • You should not have an outstanding balance

  • Your credit score should be above 750

  • Age of the secondary cardholder for an add-on credit card should above 18 years

2. Documents Required for PNB Credit Card Online Application:

  • Address Proof (Any one): Aadhaar Card, Passport, Electricity Bill, Telephone Bill

  • Identity Proof (Any one): Driving License, Aadhaar card, PAN card

  • Income Proof: Salary slips, ITRs, Bank Statements


Ensure that you have the required documents in a PDF format for a hassle-free application. Also, make sure that the number linked with your Aadhaar card is active and has no network issues. To get the ITRs, keep your credentials at hand.

How to Apply for a PNB Credit Card

The Punjab National Bank credit card application procedure is currently not available on Bajaj Markets. However, you can visit the official website or the nearest branch to apply for a Punjab National Bank credit card. Apply online after ensuring that you have the documents ready and meet the eligibility criteria.

How to Apply for a PNB Credit Card

The Punjab National Bank credit card application procedure is currently not available on Bajaj Markets. However, you can visit the official website or nearest branch to avail a Punjab National Bank credit card. Apply online after ensuring that you have the documents ready and meet the eligibility criteria.

How to Reach PNB Credit Card Customer Care

You can reach PNB credit card customer care via telephone, email, or post. Here are the necessary details:

PNB Customer Care Helpline

  • 0120 - 4616200

  • 1800 180 2345

PNB Customer Care Email ID

PNB Customer Care Mailing Address


Credit Card Processing Center,




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, tradenames, 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.

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Frequently Asked Questions

How can I get my PNB credit card?

PNB credit card online application is currently not available on Bajaj Markets. You can visit the official bank website or your nearest branch to apply for a PNB credit card.

Which is the best PNB credit card?

There are numerous Punjab National Bank credit cards to choose from. The best card is one that allows you to maximise your rewards. For that, assess your spending habits. Some of the top credit cards include PNB RuPay Select Credit Card, PNB RuPay Platinum Credit Card, PNB Global Classic Credit Card, PNB Visa Signature Card.

What is the minimum credit score for a Punjab National Bank credit card?

You need to have a credit score of at least 750.

Are PNB credit cards good?

PNB cards are a good financial option as they come with several enticing features. This includes cashback, concierge assistance, rewards on transactions, airport lounge access, insurance cover and more.

Can I apply for a PNB credit card online?

Yes, you can apply for a PNB credit card online via the bank’s official website.

What are the discount offers available on the PNB Credit cards?

There are various discount offers available on the PNB credit cards that change seasonally.

You can check the offers and discounts applicable for your credit card at the issuer’s official website or app.

What is the interest rate on the PNB credit card?

All Punjab National Bank credit cards have a monthly interest rate of 2.95% and 35.89% p.a. These charges are revised as per the bank’s internal policies.

Are there any perks of having a PNB credit card?

There are lots of perks of using a Punjab National Bank credit card. They include earning reward points, EMI facility, rollover credit feature, balance transfer, discounts, and more.

Can I get a PNB credit card if I am unemployed?

Generally, you need to show a stable monthly/yearly income to get a credit card. However, you can still get a credit card by opting for a secured credit card against a fixed deposit. So, check with the bank’s representative to know your options.

Are there any fees and charges on the PNB Credit Card?

Yes, depending on the Punjab National Bank credit card you have or want, the bank will levy certain fees and charges in addition to the joining and annual fee. You can get a credit card that has a joining fee ranging from ₹0 - ₹1,500 and an annual fee ranging from ₹0 - ₹2,000.

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