The issuer board
Every Punjab National Bank credit card.
26 cards on the desk, ranked #509 to #671 against every other card in India — not against each other. Fees run ₹0 to ₹7,500, and 4 of them are genuinely free for life. 6 of the 26 we carry without ranking, because Punjab National Bank publishes no fee or no earn table for them — they are listed at the bottom, with what we do know.
how this board is ordered fold that back up
Ordered by our board, best first. The rank is the card's position among all Indian cards we price, so a gap between two rows is other issuers' cards sitting between them.
RBI, July 2026: 10,13,438 cards in force — 0.8% of every credit card in India · ₹889 cr spent on them that month, 79% of it online.
The one worth having
PNB Kiwi
1.5% on every QR code you scan, paid in 25-paise coins — PNB's first fintech co-brand, free to get and ₹750 a year to keep.
Narrow 26 Punjab National Bank cards
network, lounges, the fine print and what you can be approved for fold that back up
The first seven narrow the board — a card that isn't what you asked for is hidden, not greyed, because six hundred dimmed rows are a hazard rather than a filter. Income is different: it greys the cards you can't be approved for and prints the reason, since "you can't get this" is worth knowing. Spend categories come from each card's own MITC/T&C exclusions; a card that publishes no rule for a category stays, because silence isn't a claim. Abroad and late fee read the issuer's own MITC line: 3.5% is India's norm, so "under" means cheaper than standard, and a card whose document states neither is filed under "not published" rather than assumed cheap. Your picks live in the URL, so the link you copy is the board you're looking at.
The board
All 20 priced cards, best to worst.
rank · card · fee (what you pay to get it) · headline earn rate, per ₹100 of ordinary spend · verdict
- #509 PNB Kiwi ₹0 joining + ₹750/yr 0.5% Keep
- #527 PNB VISA Classic ₹0 fee 0.3% Keep
- #528 PNB VISA Gold ₹300 fee 0.3% Keep
- #529 PNB VISA Platinum ₹500 fee 0.3% Keep
- #530 PNB Corporate VISA ₹1,000 fee 0.3% Keep
- #587 PNB LUXURA Metal (RuPay) ₹9,000 joining + ₹7,500/yr 1.0% Keep
- #588 PNB LUXURA Metal (Visa Infinite) ₹4,999 joining + ₹1,999/yr 1.0% Keep
- #589 PNB Zaggle Twin ₹499 fee 0.8% Keep
- #592 PNB SALARY RuPay Select ₹0 fee 0.3% Keep
- #593 PNB BLISS ₹0 joining + ₹510/yr 0.3% Keep
- #594 PNB SALARY RuPay Platinum ₹0 fee 0.3% Keep
- #595 PNB EMT RuPay Platinum ₹2,000 fee 0.3% Downgrade
- #596 PNB RuPay Platinum ₹0 joining + ₹500/yr 0.3% Downgrade
- #597 PNB Patanjali RuPay Select ₹500 joining + ₹750/yr 0.3% Downgrade
- #598 PNB RuPay Millennial ₹399 joining + ₹999/yr 0.3% Downgrade
the remaining 5 Punjab National Bank cards, #599–#671
No Punjab National Bank card matches all of that. Loosen one lever, or scan every issuer's board →
Carried, not ranked
6 cards Punjab National Bank won't put a number on.
Each of these is missing the fee, the earn table, or both, in every document Punjab National Bank publishes. We keep the card — its page, its lounge row, its sources — and we refuse to rank it, because a net-value number computed against a fee nobody published would be wrong by exactly that fee. Each promotes itself onto the board above the day the document lands.
- PNB RRB Co-branded RuPay Select ₹499 fee earn n/p
- PNB Braille RuPay Select ₹500 joining + ₹750/yr earn n/p
- PNB General Credit Card RuPay Platinum Fee not published earn n/p
- PNB Merchant Credit Card RuPay Platinum Fee not published earn n/p
- PNB Rakshak RuPay Platinum ₹0 joining + ₹500/yr earn n/p
1 more we carry without a number
Our standing verdicts
19 keep · 7 downgrade · 0 cancel
What these cards pay in