PNB Global Gold Credit Card
Punjab National Bank
Last updated: Feb 03, 2026
₹300
₹0
2%
1 visits/yr
Contents
PNB Global Gold Credit Card (Visa) is an entry-to-mid tier rewards card focused on everyday spending with global acceptance. It offers steady reward point accrual (1 point per ₹100), travel-focused vouchers at onboarding and basic travel protections. Good for users who want simple rewards, occasional travel benefits and no-heavy-fee premium perks.
Features of PNB Global Gold Credit Card which makes it unique
Simple Rewards
Straightforward 1 point/₹100 earning
Easy to track and redeem
Simpler than complicated slab-based premium cards
Rewards Structure of PNB Global Gold Credit Card
Base Rewards
baseAll retail spends (exclusions apply)
Standard earn rate; fuel and cash advances typically excluded.
Dining
baseRestaurants and eateries
No accelerated dining rate on base Gold tier.
Shopping
baseAll online/offline merchants
Standard earn; merchant promo offers may vary.
Milestones of PNB Global Gold Credit Card
First Year Milestone
N/A : Welcome voucher (as above)
Usage-based Waiver
Use as per bank criteria : Annual fee waiver subject to bank's policy
Fees & Charges of PNB Global Gold Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | ₹300 |
| Forex Markup Fee | 2% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Annual fee may be waived if card usage exceeds specified thresholds or as per bank policy.
Fee Explanation Standard PNB credit card fees and statutory taxes apply. Refer to latest MITC/T&C for exact slabs and GST application.
Detailed Explanation of PNB Global Gold Credit Card Fees
Joining Fee: 0 (one-time)
No joining fee for primary card
Annual Fee: 300 (yearly)
Waiver subject to usage thresholds per bank policy
Cash Advance Fee: 2.5% (transaction)
Minimum ₹300 or as per MITC
Foreign Exchange Markup: 2.0% (transaction)
Applies on international spends
Lounge Access Benefits with PNB Global Gold Credit Card
domestic Lounges
silverVisits per year: 1
Guest access: No
Card may provide limited domestic lounge access on select variants; confirm at issuance
international Lounges
silverVisits per year: 0
Guest access: No
Priority Pass not standard on this Gold variant
Insurance Coverage with PNB Global Gold Credit Card
Purchase Protection
Check PNB rewards termsSubject to bank's rewards and insurance partners
Travel Insurance
VariesOnly on specific card variants or via vouchers/bookings
Additional Features of PNB Global Gold Credit Card
Contactless Payments
Tap-to-pay enabled for small transactions
Contactless limit and OTP rules per RBI guidelines
Add-on Cards
Up to 2 add-on cards allowed
Add-on holders enjoy reward accruals on spends
Welcome Bonus with PNB Global Gold Credit Card
Welcome Bonus: Vworth ₹3,000 for travel.
Bonus Conditions: Welcome voucher for new cardholders; redeemed as vouchers via PNB rewards portal within 90 days.
Application Process for PNB Global Gold Credit Card
Processing Time
5-10 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via PNB card portal or visit a PNB branch
Upload KYC and income documents
Bank performs verification and credit assessment
Card dispatched after approval within typical timeline
Required Documents for PNB Global Gold Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salaried/self-employedAccepted documents:
PNB Global Gold Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide acceptance across India (Visa network)
International Acceptance
Accepted globally at Visa-accepting merchants (enable international usage if required)
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for PNB Global Gold Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian resident
Income Requirements
Salaried Applicants
₹350,000
Minimum annual income
Self-Employed Applicants
₹350,000
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN and KYC (Aadhaar/Passport/Utility bill) required as per bank policy.
How Approval Is Decided
- Minimum annual income ~ ₹3.5 LPA (varies by applicant profile)
- Indian resident with valid KYC
- Acceptable credit history/score as per bank
Pros of PNB Global Gold Credit Card
- Low-cost Gold-tier option with no joining fee
- Wide Visa acceptance domestically and internationally
- Simple, easy-to-understand rewards
Cons of PNB Global Gold Credit Card
- Low earn rate (1 point/₹100) compared to aggressive rewards cards
- Limited lounge benefits and few premium travel perks
- Fuel and some categories may be excluded from rewards
Frequently Asked Questions about PNB Global Gold Credit Card
Is there a joining fee for PNB Global Gold Credit Card Visa?
No joining fee on the primary card; annual fee applies (₹300) and may be waived per bank policy.
What is the welcome offer on this card?
New cardholders get a welcome voucher worth ₹3,000 for travel (flight/hotel/holidays) redeemable on the PNB rewards portal.
How do reward points accumulate and redeem?
Earn 1 reward point for every ₹100 of retail spend. Points can be redeemed via the PNB rewards portal for vouchers, gift cards or partner redemptions.
Are fuel and cash withdrawals eligible for rewards?
Fuel purchases and cash advances are generally excluded from reward points; check latest MITC for exclusions.
Can I get add-on cards for family members?
Yes — up to 2 add-on cards are allowed (spouse/parents/children over 18) and spend on add-ons accrues rewards to the primary account.
How to get the annual fee waived?
Annual fee waiver is subject to meeting usage thresholds or promotional bank conditions — refer to PNB card statements or MITC for specifics.
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