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About Punjab National Bank

The Punjab National Bank or PNB is a state-owned bank that traces its origin back to the pre-independence era. It has won a bevy of awards with its most recent felicitation at the Annual Banking Technology Conference, Expo and Awards 2022.


Among the many financial services that you can avail, the PNB credit card is a popular choice. The bank offers a range of credit cards linked to its PNB Rewardz program. This enables you to redeem points towards cashback, movie tickets, gifts and more. 

In 2023, PNB became the first public sector bank to offer a credit card against an FD digitally. To learn more about Punjab National Bank credit cards, their features and benefits, read on.

About PNB Credit Cards

Punjab national bank credit cards are popular since they serve a range of needs from shopping to travel, dining to transacting for daily essentials. With the PNB Genie app, you can manage your PNB credit card on the go and with ease. 


Along with offers from partner merchants, they offer insurance cover as well as 24X7 concierge services based on the variant you choose. Here are the top PNB credit cards you can apply for along with their key features:

Some of the Top Punjab National Bank Credit Cards






PNB RuPay Platinum Credit Card

  • Earn 300+ reward points for your first payment

  • Cashback on paying utility and dining bills

  • Insurance cover free of charge

  • Offers from more than 300 partners

  • 24X7 concierge services

  • Free visits to domestic and international airport lounges





PNB RuPay Select Credit Card

  • Access to domestic and international lounges for free

  • Double reward points on retail transactions

  • Comprehensive insurance

  • Cashback and offers from partners 

  • No annual fee on 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 may be used worldwide 

  • Half 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 of PNB Credit Cards

Here are the general features and benefits you can enjoy 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 an 6-month EMI repayment scheme. The finance charges are 0.99% per month for up to 90% of the credit limit. 

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, keep in mind that interest will be levied at 2.95% per month on your outstanding amount. 

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 cards and benefit from just one consolidated billing cycle. 

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 ₹400 to ₹500, depending on the card you have.

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 allows you to make small, easy payments. This facility applies to any transaction over ₹2,500.


With a Punjab National Bank credit card, 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 to 300 points. Redeem them for shopping vouchers, mobile recharge and more. 

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 for PNB Credit Cards When You Apply Online

1. 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 so as 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 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, Aadhar card, PAN card


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. 

About PNB Credit Card Rewards Program

Your Punjab National Bank credit card makes you eligible for a number of rewards on every transaction you make. This is because you are automatically a part of the PNB Rewardz program that rewards you as you swipe. 


For instance, you can earn up to 2 reward points on each ₹100 you spend. Similarly, some PNB credit cards offer 300 rewards points on the first transaction made with the card. Others offer 50 points when you register for the e-bill feature.


Depending on the type of PNB Bank credit card you have opted for, you can avail different rewards. Once you have 1,000 reward points, you can redeem them across different categories. You can even earn cashback of ₹500 against 1000 reward points.


You can check the reward points on your Punjab National Bank credit card by logging into your credit card account through the official website or app. Alternatively, you can log in to your Rewardz account or reach out to the customer support team via call or email.

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 the 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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FAQs on Punjab National Bank Credit Cards

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.

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.

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

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.

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

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.

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

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

Generally, you need to show a stable monthly/ yearly income to avail 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.

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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