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Public sector bank

Punjab National Bank credit cards: 5 you can apply for

The best one for most people is PNB Kiwi.

₹3,800a year after fees, at ₹75,000 a month

PNB Kiwi

₹3,800 a year, after fees

₹0 fee · Lounges in India and abroad · Reward rate 0.5%–1.5%

Ranked higher: its bonus category adds ₹4,500 a year

Keep

It pays back the most of the 4 Punjab National Bank cards open to apply that we can value.

Rank all 5 at your own spend in the card finder

Verified 13 sources

Points and where they go

Punjab National Bank's main points currency is PNB Reward Points, worth ₹0.25 a point; it does not transfer to an airline or hotel. Its cards earn 2 kinds of points in all.

What Punjab National Bank cards earn
ProgrammeWorth a pointCardsPartners
PNB Reward Points₹0.2519none
KIWIS₹0.251none

Values are what we think a point is worth in India.

Recent changes

All 31 Punjab National Bank cards

Fees run ₹0 to ₹7,500, and 7 of them are genuinely free for life. We cannot value 11 of them: Punjab National Bank publishes no fee or no earn table for those cards, so they are listed as "Not valued". Each card shows what it pays back a year after its fee at ₹75,000 a month, and our verdict: 24 keep, 7 downgrade, 0 cancel.

Open to apply 5

  1. PNB Kiwi

    ₹3,800 a year, after fees

    ₹0 fee · Lounges in India and abroad · Reward rate 0.5%–1.5%

    Ranked higher: its bonus category adds ₹4,500 a year

    Keep

  2. PNB VISA Platinum

    ₹2,500 a year, after fees

    ₹500 fee · Reward rate 0.3%

    Keep

  3. PNB VISA Classic

    ₹2,300 a year, after fees

    ₹0 fee · Reward rate 0.3%

    Keep

  4. PNB VISA Gold

    ₹2,000 a year, after fees

    ₹300 fee · Reward rate 0.3%

    Keep

  5. PNB Braille RuPay Select

    Not valued fee or rewards not published

    ₹500 joining + ₹750/yr

    Keep

Invite only 4

  2. PNB PM SVANidhi

    Not valued fee or rewards not published

    ₹0 fee

    Keep Invite only

Not confirmed on sale 20 cards

  1. PNB LUXURA Metal (Visa Infinite)

    ₹11,500 a year, after fees

    ₹4,999 joining + ₹1,999/yr · Lounges in India and abroad · No forex markup · Reward rate 1%–3%

    Ranked higher: its bonus category adds ₹2,700 a year

    Keep

  2. PNB LUXURA Metal (RuPay)

    ₹11,500 a year, after fees

    ₹9,000 joining + ₹7,500/yr · Lounges in India and abroad · No forex markup · Reward rate 1%–3%

    Ranked higher: its bonus category adds ₹2,700 a year

    Keep

  3. PNB Premium Metal LUXURA

    ₹8,000 a year, after fees

    ₹0 joining + ₹1,999/yr · Lounges in India and abroad · Reward rate 0.7%

    Keep

  4. PNB Parakram

    ₹8,300 a year, after fees

    ₹0 fee · Lounges in India and abroad · Reward rate 0.5%

    Keep

  5. PNB Zaggle Twin

    ₹7,500 a year, after fees

    ₹499 fee · Lounges in India and abroad · Reward rate 0.8%

    Keep

  6. PNB SALARY RuPay Select

    ₹3,000 a year, after fees

    ₹0 fee · Lounges in India and abroad · Reward rate 0.3%

    Keep

  7. PNB BLISS

    ₹2,300 a year, after fees

    ₹0 joining + ₹510/yr · Lounges in India and abroad · Reward rate 0.3%

    Keep

  8. PNB SALARY RuPay Platinum

    ₹2,300 a year, after fees

    ₹0 fee · Lounges in India and abroad · Reward rate 0.3%

    Keep

  9. PNB Visa Signature

    ₹4,500 a year, after fees

    ₹1,500 joining + ₹2,000/yr · Reward rate 0.5%

    Downgrade

  10. PNB RuPay Millennial

    ₹3,000 a year, after fees

    ₹399 joining + ₹999/yr · Lounges in India and abroad · Reward rate 0.3%

    Downgrade

  11. PNB EMT RuPay Platinum

    ₹2,300 a year, after fees

    ₹2,000 fee · Lounges in India and abroad · Reward rate 0.3%

    Downgrade

  12. PNB Patanjali RuPay Select

    ₹2,200 a year, after fees

    ₹500 joining + ₹750/yr · Lounges in India and abroad · Reward rate 0.3%

    Downgrade

  13. PNB RuPay Select

    ₹2,200 a year, after fees

    ₹500 joining + ₹750/yr · Lounges in India and abroad · Reward rate 0.3%

    Downgrade

  14. PNB Patanjali RuPay Platinum

    ₹1,800 a year, after fees

    ₹0 joining + ₹500/yr · Lounges in India and abroad · Reward rate 0.3%

    Downgrade

  15. PNB RuPay Platinum

    ₹1,800 a year, after fees

    ₹0 joining + ₹500/yr · Lounges in India and abroad · Reward rate 0.3%

    Downgrade

  16. PNB Rakshak RuPay Platinum

    Not valued fee or rewards not published

    ₹0 joining + ₹500/yr

    Keep

  17. PNB Rakshak RuPay Select

    Not valued fee or rewards not published

    ₹0 joining + ₹750/yr · Lounges in India and abroad

    Keep

  18. PNB Paisabazaar RuPay Select

    Not valued fee or rewards not published

    ₹0 joining + ₹499/yr

    Keep

  20. PNB Cashback

    Not valued fee or rewards not published

    ₹0 joining + ₹499/yr

    Keep

Business cards 2 cards

  1. PNB Corporate VISA

    ₹1,300 a year, after fees

    ₹1,000 fee · Reward rate 0.3%

    Keep

Filter Punjab National Bank cards by fee, lounges or forex

Standard charges

The charges Punjab National Bank words the same way on most of its cards, from each card's most important terms and conditions. A card that differs prints its own figure on its own page.

Punjab National Bank's standard charges
ChargeWhat the bank saysOur readCards
Interest (APR)2.95%/mo (35.89%/yr); 1.5%/mo (19.56%/yr) on a card issued against a PNB fixed-deposit lien13 of 19
Late payment feeUntil 31 Oct 2026, slabbed on the total amount due: Nil up to ₹1,000; ₹500 on ₹1,001–₹5,000; ₹600 on ₹5,001–₹10,000; ₹750 above ₹10,000. From 1 Nov 2026: Nil up to ₹500; ₹500 on ₹501–₹1,000; ₹750 on ₹1,001–₹10,000; ₹1,000 on ₹10,001–₹50,000; ₹1,200 above ₹50,00018 of 18
Over-limit fee2.5% of the overlimit amount, min ₹500 (min ₹250 on a card issued against a fixed deposit)12 of 17
Reward redemption feeNil until 31 Oct 2026, then ₹99 a redemption request from 1 Nov 2026; a redemption needs at least 1,000 points, and points expire 3 years from the date of accrualFree13 of 15

Cards counts the Punjab National Bank cards whose terms print this exact wording, out of those whose terms print the charge at all.

Punjab National Bank in RBI's figures

Cards in force
10,50,403
0.8% of India's cards
Spent in August 2026
₹919 crore
79% of it online
Spend per card
₹8,751
a month, on average

Source: the Reserve Bank of India's monthly card statistics, August 2026. Every bank's figures

Sources

The Punjab National Bank documents that state its fees and charges, and RBI's release. Each card's page lists its own sources too.

  1. Official PNB's Most Important Terms & Conditions — the fee table that names the ₹750 annual fee the card's own product page does not, and the 25-paise point value read
  2. Official PNB's bank-wide Key Fact Statement — nil joining and annual fee, a ₹10,000–₹30,000 limit, no cash withdrawal and no foreign-currency use for PM SVANidhi read
  3. Official PNB BLISS product page — fees, quantified lounge quota, lifestyle voucher stack, retail earn rate read
  4. Official PNB EMT RuPay Platinum product page — the fees, earn rate, lounge quota, welcome pack and flight/hotel discount tiers read
  5. Official PNB LUXURA Metal (RuPay) product page — fees, waiver conditions, earn rate, welcome, milestones, HoteLux/ITC/golf benefits read
  6. Official PNB LUXURA Metal (Visa Infinite) product page — fees, waiver conditions, earn rate, welcome, milestones, Visa Infinite benefit stack read
  7. Official PNB RuPay Millennial product page — eligibility, fees, the earn rate, the lounge quota and the feature list read
  8. Official PNB SALARY RuPay Platinum product page — eligibility, quantified lounge quota with explicit NPCI/RuPay citation, voucher stack, retail earn rate read
  9. Official PNB SALARY RuPay Select product page — eligibility, quantified lounge quota, voucher stack, retail earn rate read
  10. Official PNB Visa Signature product page — eligibility, fees, the earn rate, and a lounge line that now reads NIL read
  11. Official PNB Zaggle Co-Branded Twin Credit Card product page — twin-card structure, fees, earn rate, both legs' benefit stacks read
  12. Official PNB's own product page for the KIWI co-brand — the RuPay Select variant, the ₹2.5 lakh income bar, the virtual-versus-physical fees and the reward cap read
  13. Official Reserve Bank of India: ATM, Acceptance Infrastructure and Card Statistics for the Month of August 2026 read