PNB PM SVANidhi

PNB's Key Fact Statement prices it at nothing — no joining fee and no annual fee — and sets the credit limit between ₹10,000 and ₹30,000, the scheme's own band. The restrictions are written into the same document. No cash withdrawal at all, at a PNB ATM, another bank's ATM or overseas. No foreign-currency transactions — PNB's forex line, which charges every other non-LUXURA card 3.50%, simply says this card is not allowed. And no add-on cards. PNB publishes nothing about what the card earns, and this site will not borrow another bank's answer: the card is carried, not valued or ranked. Everything not carved out follows PNB's range — 2.95% a month on revolving credit and, from 1 November 2026, the bank-wide late-fee ladder that charges nothing on dues of ₹500 or less. Treat it as a credit line that spends at any UPI QR code, which is what the scheme designed.

What's good

• Lifetime free on PNB's Key Fact Statement — nil to join, nil a year
• Credit limit between ₹10,000 and ₹30,000, per PNB's own drawal-limit table
• RuPay, so the limit spends on UPI at any QR code
• From 1 Nov 2026, no late fee at all on dues of ₹500 or less (PNB's bank-wide ladder)

Watch out

• NO cash withdrawal — PNB's KFS bars it at PNB ATMs, other ATMs and overseas
• NO foreign-currency transactions — the KFS forex row says the card is not allowed them
• No add-on cards (the KFS add-on row reads NA)
• PNB HAS NOT PUBLISHED ANY EARN for this card, so this site carries it without valuing or ranking it
• Eligibility is the scheme's, not PNB's: the card is offered to PM SVANidhi beneficiaries through the lending branch, not on open application
• No product page on PNB's card portal; the Key Fact Statement is the only PNB document that names the card

Lifetime free on PNB's Key Fact Statement (joining Nil, annual NIL) with a credit limit of ₹10,000 to ₹30,000. The card is absent from PNB's retail MITC, so the KFS is the controlling document. No reward line, lounge line or eligibility criterion beyond the scheme's is published by PNB.

The document

Invite-only — there is no public application form. The bank calls you.

Not an open application. The scheme offers the card to street vendors who are PM SVANidhi beneficiaries; PNB publishes no application route of its own on its card portal, so ask at the branch that holds your SVANidhi loan.

All changes across cards

Carried, not valued. PNB documents the fee — nil to join, nil a year — and the limits, and publishes no earn at all, so there is nothing to rank. It is a working-capital line for street vendors with a card attached.

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Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. This card is not in our rankings, the calculator or the best-of lists until Punjab National Bank publishes terms we can cite.

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