PNB Global Classic Credit Card Visa
Punjab National Bank
Last updated: Feb 03, 2026
₹0
₹0
3%
No lounge access
Contents
PNB Global Classic Credit Card Visa is an entry-level lifestyle credit card from Punjab National Bank designed for everyday spending on shopping, dining, fuel and travel bookings. It is typically offered as a lifetime-free credit card with no joining fee and no annual fee, making it suitable for first-time credit card users who want a simple and safe PNB credit card. Cardholders earn PNB Rewardz points on almost all retail transactions and can redeem them for vouchers, merchandise, travel bookings or cashback. With basic fuel surcharge waiver, add-on cards, EMIs and net banking/app support, this card works as a no-frills Visa credit card for daily use rather than a premium rewards or travel product.
Features of PNB Global Classic Credit Card Visa which makes it unique
Lifetime Free PNB Credit Card
One of the simplest lifetime free credit cards from Punjab National Bank with no joining fee and no annual fee for most users.
Helps new-to-credit customers build a credit history without worrying about yearly charges.
Cheaper to hold long term than many private bank entry-level cards that charge annual fees.
Straightforward Rewardz Structure
Flat PNB Rewardz points on almost all retail spends with transparent redemption through a single PNB Rewardz portal.
Easy to understand for beginners without complicated category accelerators or rotating offers.
More predictable than cards with heavily restricted or rotating reward categories.
Rewards Structure of PNB Global Classic Credit Card Visa
Base Rewards
baseAll eligible retail spends excluding fuel, cash withdrawals, interest, fees and wallet loads.
Simple base rewards ideal for everyday card spends such as shopping, bills and groceries.
Welcome Reward Points
baseFirst retail or online transaction within 90 days of card setup.
Welcome bonus helps new PNB Global Classic users experience the PNB Rewardz platform quickly.
Reward Redemption
baseRedemption via PNB Rewardz website or portal.
Points can be redeemed for vouchers, merchandise, travel bookings, mobile/DTH recharge or cashback against statement.
Fuel Transactions
baseFuel purchases at participating fuel stations within eligible transaction range.
Designed for customers who frequently refuel and want to save on fuel surcharge rather than earn extra reward points.
Fees & Charges of PNB Global Classic Credit Card Visa
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | 0 |
| Forex Markup Fee | 3% |
| Cash Advance Fee | 2% |
| Late Payment Fee | ₹800 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹300 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Currently lifetime free with no annual fee; future charges, if any, will be as per Punjab National Bank credit card policy.
Fee Explanation Finance charges, cash advance fee, late payment fee, overlimit fee and other charges are levied as per the latest Punjab National Bank credit card schedule of charges for PNB Global Classic/PNB Visa Classic cardholders.
Detailed Explanation of PNB Global Classic Credit Card Visa Fees
Joining Fee: ₹0 (one-time)
No joining fee currently applicable on PNB Global Classic Credit Card Visa.
Annual Fee: ₹0 (yearly)
No annual fee; card is generally issued as lifetime free. Bank reserves the right to introduce annual charges in future.
Finance Charges: 2.45% per month (approx. 29.8% p.a.) (monthly)
Applicable on revolving credit, overdue balances and cash advances from the statement due date until full repayment.
Cash Advance Fee – PNB ATMs: 2% of amount, minimum ₹50 (transaction)
Charged on each cash withdrawal at Punjab National Bank ATMs, plus applicable finance charges from the date of transaction.
Cash Advance Fee – Other ATMs: 2% of amount, minimum ₹100 (transaction)
Charged on cash withdrawal at non-PNB ATMs and teller counters, in addition to finance charges from the date of withdrawal.
Foreign Currency Markup: 3.0% of transaction value (transaction)
Levied on all international transactions and online payments processed in foreign currency over the Visa network.
Late Payment Fee: Up to ₹800 (event)
Slab-based late fee charged if total amount due is not paid by the due date, as per PNB credit card schedule of charges.
Overlimit Fee: ₹500 (event)
Charged when the total outstanding exceeds the assigned credit limit, subject to bank’s approval and discretion.
Returned Payment Fee: ₹300 (event)
Payable if cheque, ECS, NACH or other payment instrument is dishonoured or returned unpaid.
Fuel Surcharge Waiver: 1% surcharge reversal (transaction)
1% fuel surcharge waived for fuel transactions between ₹400 and ₹3,000 per month at eligible fuel stations; GST and other levies may not be reversed.
Insurance Coverage with PNB Global Classic Credit Card Visa
Comprehensive Credit Card Insurance
As per PNB credit card insurance policyPNB may provide complimentary cover such as accidental death cover, air travel insurance or lost card liability on select credit card variants; actual coverage, sum insured and eligibility are governed by the latest PNB Global Classic/PNB Visa Classic insurance terms.
Additional Features of PNB Global Classic Credit Card Visa
PNB Rewardz Loyalty Program
Automatic enrolment into PNB Rewardz program to earn and redeem reward points on card spends.
Earning and redemption governed by PNB Rewardz terms and conditions; certain categories like fuel, cash withdrawals and charges may be excluded.
Add-on Cards
Up to two add-on cards for spouse, parents or adult children with shared credit limit and similar benefits.
Add-on cardholders must be at least 18 years old; primary cardholder remains fully liable for all transactions.
EMI Conversion Facility
Option to convert high-value purchases into monthly instalments directly on the PNB credit card.
Available on eligible transactions only; interest rate, processing fee and tenure are as per prevailing PNB EMI program.
Balance Transfer Facility
Transfer outstanding balance from another bank’s credit card to PNB Global Classic and repay in instalments.
Subject to PNB’s approval, available for eligible customers only; interest rate and processing fee apply as per offer.
PNB Genie / PNB One App & Net Banking
Track transactions, convert EMI, redeem rewards, download statements and manage card controls via PNB mobile apps and internet banking.
Mobile and internet banking registration required; features and interface may vary by platform.
Contactless Payments
Tap-and-pay enabled Visa contactless chip card for fast and secure small-value transactions.
Per-transaction limit and PIN-less limit as per RBI guidelines and PNB policy.
Welcome Bonus with PNB Global Classic Credit Card Visa
Welcome Bonus: 300 bonus PNB Rewardz points
Bonus Conditions: Bonus Rewardz points are awarded on the first eligible retail or online transaction made within 90 days of card issuance, as per PNB Rewardz program rules.
Application Process for PNB Global Classic Credit Card Visa
Processing Time
15-21 working days after successful document verification and internal approval.
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Visit the official PNB credit card portal or nearest Punjab National Bank branch and choose the PNB Global Classic/PNB Visa Classic credit card option.
Fill in the online or physical application form with personal, employment and income details and choose your preferred credit limit range.
Upload or submit KYC documents such as PAN, Aadhaar, address proof and income proof for salaried or self-employed profile.
PNB performs internal credit checks, bureau verification and underwriting based on your eligibility and credit score.
On approval, the PNB Global Classic Credit Card Visa is printed, dispatched to your registered address and can be activated via PNB Genie, PNB One, IVR or ATM.
Required Documents for PNB Global Classic Credit Card Visa
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self_employedAccepted documents:
PNB Global Classic Credit Card Visa Merchant Acceptance Network
Domestic Acceptance
High domestic acceptance at most POS terminals, online merchants and billers across India that support Visa credit cards.
International Acceptance
Accepted globally at millions of Visa-enabled merchants, ATMs, hotels, airlines and e-commerce websites.
Online Acceptance
Widely accepted for online shopping, utility bill payments, travel bookings and subscription platforms supporting Indian Visa credit cards.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for PNB Global Classic Credit Card Visa
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian resident only
Income Requirements
Salaried Applicants
₹42,000
Minimum annual income
Self-Employed Applicants
₹50,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant should be a resident Indian with a stable income, valid PAN and Aadhaar, and must meet PNB’s internal credit and underwriting norms.
How Approval Is Decided
- Minimum age of 21 years and stable income from salary or self-employment.
- Annual income generally around ₹5 lakh and above for PNB Visa Classic eligibility, subject to PNB’s internal policy.
- Satisfactory credit history and credit score, with no major recent defaults or settlements.
- Clean KYC status with valid PAN, Aadhaar and address documents as per RBI and PNB norms.
Pros of PNB Global Classic Credit Card Visa
- No joining fee and no annual fee, ideal as a lifetime free starter credit card from Punjab National Bank.
- Earn PNB Rewardz points on most retail transactions with straightforward base rewards.
- Fuel surcharge waiver on eligible fuel transactions between ₹400 and ₹3,000 per month.
- Add-on card facility for family members and access to EMI and balance transfer options.
- Strong acceptance across India and abroad thanks to the Visa network and PNB’s large customer base.
Cons of PNB Global Classic Credit Card Visa
- No complimentary airport lounge access or premium travel benefits on this basic PNB Global Classic variant.
- Reward rate is modest compared with specialised shopping, travel or cashback credit cards.
- Limited partner offers and brand-specific discounts versus private bank co-branded cards.
- Best suited for low to moderate spenders; high spenders may get better value from mid-range or premium PNB cards.
- Foreign currency transactions attract standard forex markup, so it is not the best card for frequent international travellers.
Frequently Asked Questions about PNB Global Classic Credit Card Visa
Is there any joining fee on the PNB Global Classic Credit Card Visa?
No, PNB Global Classic Credit Card Visa usually comes with zero joining fee, making it a lifetime-free or very low-cost entry-level credit card from Punjab National Bank.
Does the PNB Global Classic Credit Card Visa have an annual fee?
As per currently published information, PNB Global Classic Credit Card Visa does not charge any annual fee. However, Punjab National Bank reserves the right to revise fees in future, so cardholders should always check the latest schedule of charges.
What rewards do I earn on the PNB Global Classic Credit Card Visa?
You earn PNB Rewardz points on eligible retail spends, typically 2 Rewardz points for every ₹150 spent, plus a welcome bonus of 300 points on your first eligible transaction within 90 days. These points can be redeemed for vouchers, merchandise, travel bookings, mobile/DTH recharge or cashback via the PNB Rewardz portal.
Does PNB Global Classic Credit Card Visa offer fuel surcharge waiver?
Yes, PNB Global Classic Credit Card Visa provides a 1% fuel surcharge waiver on eligible fuel transactions between ₹400 and ₹3,000 per month at participating fuel stations. GST and other charges may not be waived, and standard reward points conditions apply.
What are the interest and finance charges on PNB Global Classic Credit Card Visa?
If you do not pay the full outstanding amount by the due date, finance charges of around 2.45% per month (approximately 29.8% per annum) are applied on the revolving balance and cash advances, along with late payment fees based on the amount due. Always pay on time to avoid interest and penalties.
Who should apply for the PNB Global Classic Credit Card Visa?
The PNB Global Classic Credit Card Visa is best suited for salaried and self-employed individuals who want a simple, lifetime-free credit card from Punjab National Bank for everyday spending, bill payments and fuel, and who prefer basic PNB Rewardz points over complex premium benefits.
How can I redeem PNB Rewardz points earned on my PNB Global Classic Credit Card Visa?
You can redeem your PNB Rewardz points by logging into the official PNB Rewardz website or portal linked from PNB’s credit card site. After login, you can choose from catalogue products, e-vouchers, hotel and travel bookings, mobile/DTH recharge or cashback to your credit card account, subject to the minimum points required for each option.
Add Your Review
Reviews (0)
No reviews yet
Be the first one to review this card.
