PNB Global Platinum Credit Card Visa
Punjab National Bank
Last updated: Feb 03, 2026
₹500
₹0
3.5%
No lounge access
Contents
PNB Global Platinum Credit Card Visa is an entry-level to mid-range rewards credit card from Punjab National Bank designed for everyday spending on shopping, dining, travel and bill payments. It offers a simple rewards structure of 2 reward points for every ₹150 spent on eligible retail transactions, along with a small welcome bonus, fuel surcharge waiver and up to 20–50 days of interest-free credit. As a Visa Platinum card, it brings global acceptance, concierge assistance and standard security features like chip-and-PIN and SMS alerts. This makes the PNB Global Platinum Credit Card Visa suitable for beginners and value-seeking users who want a low-fee, rewards-focused PNB credit card for building credit history and earning points on regular spends.
Features of PNB Global Platinum Credit Card Visa which makes it unique
Simple Flat Rewards on Retail Spends
Earn 2 reward points per ₹150 on almost all retail transactions, making it easy to understand and track rewards without complex categories.
Helps first-time cardholders build a habit of using a single card for day-to-day expenses while earning steady PNB Rewardz points.
More straightforward but lower reward rate compared to specialised online shopping or travel credit cards.
Fuel Surcharge Waiver Advantage
1% fuel surcharge waiver on fuel spends in the standard ticket size, making it more affordable to use your PNB Global Platinum Credit Card Visa for refuelling.
Gives tangible savings for users who frequently spend on fuel using their credit card.
Competes with other entry-level fuel cards, though premium fuel credit cards may offer higher caps or additional rewards.
Rewards Structure of PNB Global Platinum Credit Card Visa
All Retail Spends
baseMost everyday retail purchases including shopping, dining, travel bookings and offline POS transactions; excludes fuel, cash withdrawals, fees and restricted categories as per PNB Rewardz terms.
Reward points are credited under the PNB Rewardz program; points can be redeemed for merchandise, gift vouchers, travel, mobile recharge and more on the PNB Rewardz portal.
Fuel Transactions
baseFuel purchases at petrol pumps across India within eligible ticket size range.
Fuel transactions generally do not earn reward points, but eligible transactions receive a 1% fuel surcharge waiver within monthly limits.
Cash Withdrawals and Fees
baseATM cash advances, interest, fees, penalties and wallet loads where classified as quasi-cash.
These transactions never earn reward points and also incur higher charges; avoid for optimising value from the PNB Global Platinum Credit Card Visa.
Milestones of PNB Global Platinum Credit Card Visa
Annual Fee Waiver Milestone
Annual spends exceeding the assigned credit limit with at least one retail purchase transaction in each calendar quarter and a clean repayment track record. : Annual fee of ₹500 + GST waived for the next year.
Fees & Charges of PNB Global Platinum Credit Card Visa
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | ₹500 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.95% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | 3% |
| Returned Payment Fee | ₹250 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Annual fee of ₹500 + GST is waived if in the previous year your total card spends exceed the assigned credit limit, there is at least one retail purchase in every calendar quarter and the card account has a good repayment track record with no overdue or written-off status.
Fee Explanation PNB Global Platinum Credit Card Visa follows the standard PNB credit card tariff. Finance charges are typically 2.95% per month (35.89% p.a.) on revolving balances and cash advances. Cash withdrawal transactions from ATMs attract a fee of around 2.5% of the amount withdrawn (subject to a minimum amount, generally ₹300). Late payment charges are applied as a slab based on the total amount due, up to a maximum of ₹750. Overlimit usage attracts a 2.5% fee on the overlimit portion, subject to a minimum of ₹500. Returned cheque/ECS or failed auto-debit instructions are charged approximately ₹250 per instance. All fees and charges are subject to GST and can change as per the latest PNB MITC and schedule of charges.
Detailed Explanation of PNB Global Platinum Credit Card Visa Fees
Annual Fee: ₹500 + GST (yearly)
Charged from year one; waived for the next year if total annual spends exceed the assigned credit limit, there is at least one retail purchase every quarter and the card account remains regular.
Joining Fee: Nil (one-time)
As per latest PNB schedules, no standard joining fee is charged on PNB Global Platinum; promotions can change over time.
Finance Charges: 2.95% per month (35.89% p.a.) (monthly)
Applied on revolving balances and cash advances when the total amount due is not paid in full by the due date.
Cash Withdrawal Fee: 2.5% of transaction amount (min ~₹300) (transaction)
Applies on each ATM cash withdrawal in India or overseas, plus finance charges from the date of transaction until full repayment.
Late Payment Fee: Up to ₹750 (monthly)
Nil for total amount due up to ₹1,000; slabs typically ₹500 for ₹1,001–₹5,000, ₹600 for ₹5,001–₹10,000 and ₹750 for dues above ₹10,000, as per latest PNB MITC.
Overlimit Fee: 2.5% of overlimit amount (min ₹500) (monthly)
Charged when the total outstanding exceeds the assigned credit limit on the card.
Returned Payment Fee: ₹250 per instance (per event)
Applicable on dishonoured cheques, failed ECS or auto-debit instructions towards credit card payment.
Foreign Currency Mark-up: 3.50% of transaction amount (transaction)
Charged on all international transactions in foreign currency over and above the Visa exchange rate, plus GST.
Lounge Access Benefits with PNB Global Platinum Credit Card Visa
domestic Lounges
silverVisits per year: 0
Guest access: No
PNB Global Platinum does not advertise fixed complimentary lounge visits, but cardholders may access select Visa Platinum airport lounges in India as per periodic network offers, often on a paid or limited complimentary basis.
international Lounges
silverVisits per year: 0
Guest access: No
No guaranteed free international lounge visits are specified by PNB; access is driven by Visa Platinum global offers and local lounge partners at the time of travel.
Insurance Coverage with PNB Global Platinum Credit Card Visa
Lost Card Liability Insurance
₹1,50,000Protects against unauthorised transactions after reporting loss to PNB credit card customer care; coverage and excess as per latest PNB credit card insurance policy.
Personal Accident Insurance
₹2,00,000Complimentary personal accident cover for the primary cardholder as part of PNB’s comprehensive insurance package; exact coverage, exclusions and claim process as per current insurance terms.
Additional Features of PNB Global Platinum Credit Card Visa
PNB Rewardz Redemption
Redeem PNB Rewardz points for merchandise, travel bookings, mobile/DTH recharges, gift vouchers and more via the PNB Rewardz portal.
Minimum points and category-specific terms apply; typically 1 reward point ≈ ₹0.25 for most redemptions.
PNB Genie & PNB One App
Manage your PNB Global Platinum Credit Card via PNB Genie or PNB One app – view statements, pay bills, convert to EMI and control card usage.
Requires active internet banking or mobile banking registration with Punjab National Bank.
Concierge Services
24x7 Visa Platinum concierge support for hotel and flight bookings, restaurant reservations, flower and gift delivery, and event bookings.
Services are complimentary but actual bookings and purchases are chargeable to your card.
Chip-and-PIN Security
EMV chip-and-PIN card with SMS and email alerts on every transaction for enhanced security.
Cardholder should keep contact details updated and immediately report suspicious transactions to PNB.
Welcome Bonus with PNB Global Platinum Credit Card Visa
Welcome Bonus: 300 Reward Points
Bonus Conditions: One-time welcome bonus of 300 reward points is credited on completing the first eligible retail or online purchase within 90 days of card issuance. Fuel, cash withdrawals and fee payments are not eligible for welcome bonus.
Application Process for PNB Global Platinum Credit Card Visa
Processing Time
7-10 working days after document verification and underwriting
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Visit the official Punjab National Bank credit card portal or your nearest PNB branch.
Choose the PNB Global Platinum Credit Card Visa and fill in the online or physical application form with personal, employment and income details.
Upload or submit KYC documents including PAN, Aadhaar, address proof and income proof as required.
PNB performs internal credit checks, verifies documents and assesses eligibility based on income, credit bureau data and existing relationship.
On approval, the card is printed and dispatched to your registered mailing address, and you receive PIN and activation instructions.
Activate the card via PNB One or PNB Genie app, internet banking, IVR or ATM and start using it for retail purchases to earn reward points.
Required Documents for PNB Global Platinum Credit Card Visa
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self_employedAccepted documents:
PNB Global Platinum Credit Card Visa Merchant Acceptance Network
Domestic Acceptance
Widely accepted across India at most Visa-enabled POS terminals, online merchants, fuel stations, retail stores, hotels and restaurants.
International Acceptance
Accepted globally at millions of merchants and ATMs that accept Visa, making it usable for overseas travel and online international purchases.
Online Acceptance
Yes, works on major Indian and international e-commerce websites, bill payment platforms, travel portals and apps.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for PNB Global Platinum Credit Card Visa
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian residents and eligible NRIs as per PNB credit card policy
Income Requirements
Salaried Applicants
₹42,000
Minimum annual income
Self-Employed Applicants
₹50,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant should ideally have an existing banking relationship with Punjab National Bank for at least 6 months, stable income documented via salary slips or ITR, valid PAN and Aadhaar, and should reside or work in a location served by a PNB credit card issuing branch.
How Approval Is Decided
- Age typically between 21 and 65 years for primary cardholders.
- Minimum annual income usually around ₹5 lakh for salaried/self-employed applicants, subject to PNB’s internal policy.
- Good credit history with a CIBIL score preferably of 700 or above and no recent defaults.
- Existing or new banking relationship with Punjab National Bank and residence or workplace within PNB card issuing locations.
Pros of PNB Global Platinum Credit Card Visa
- Affordable annual fee with achievable usage-based waiver for active users.
- Flat rewards on a wide range of everyday retail spends via the PNB Rewardz program.
- Fuel surcharge waiver on eligible fuel spends at petrol pumps across India.
- Global acceptance on the Visa Platinum network for both domestic and international usage.
- Add-on card option and PNB mobile apps for easy card management and tracking.
Cons of PNB Global Platinum Credit Card Visa
- Reward rate is modest compared to premium cashback or co-branded shopping/travel credit cards.
- No clearly advertised complimentary airport lounge visits dedicated to this card.
- No accelerated rewards on specific popular online categories like e-commerce, food delivery or travel portals.
- Foreign currency markup of 3.50% + GST makes it less attractive for heavy international travellers.
- Benefits and offers are relatively basic and best suited for entry-level users rather than high-spend customers.
Frequently Asked Questions about PNB Global Platinum Credit Card Visa
What is the annual fee for the PNB Global Platinum Credit Card Visa?
The PNB Global Platinum Credit Card Visa typically carries an annual fee of ₹500 + GST. The fee can be waived if in the preceding year your card usage exceeds the assigned credit limit, you make at least one retail purchase every calendar quarter and your card account remains in good standing without overdue payments.
How many reward points do I earn on the PNB Global Platinum Credit Card Visa?
You usually earn 2 reward points for every ₹150 spent on eligible retail transactions using the PNB Global Platinum Credit Card Visa. Fuel purchases, cash withdrawals, charges and restricted categories do not earn reward points, as per the latest PNB Rewardz program rules.
Does the PNB Global Platinum Credit Card Visa offer a fuel surcharge waiver?
Yes, the card offers a 1% fuel surcharge waiver on eligible fuel transactions, generally between ₹400 and ₹3,000 per transaction, subject to a monthly cap (commonly around ₹250 per statement cycle). GST on the fuel surcharge amount may not be waived, so check your statement for exact savings.
Who should apply for the PNB Global Platinum Credit Card Visa?
The PNB Global Platinum Credit Card Visa is best suited for beginners and value-conscious users who want a low-fee, simple rewards card from Punjab National Bank. It works well if most of your spending is on everyday retail purchases such as shopping, dining, travel bookings and bill payments, and if you want to build or improve your credit history with a PSU bank card.
How can I redeem PNB Rewardz points from the PNB Global Platinum Credit Card Visa?
You can redeem PNB Rewardz points earned on your PNB Global Platinum Credit Card Visa through the PNB Rewardz online portal. Points can be used for merchandise, gift vouchers, hotel and travel bookings, mobile recharges and more. Typically, 1 reward point is valued at around ₹0.25 for most redemptions, but conversion rates and catalog items can change over time.
Is there an interest-free period on the PNB Global Platinum Credit Card Visa?
Yes, PNB Global Platinum Credit Card Visa generally offers a free credit period of about 20–50 days on retail purchases, provided you pay the total outstanding amount by the due date. Cash advances do not enjoy an interest-free period; interest is charged from the transaction date until full repayment.
Add Your Review
Reviews (0)
No reviews yet
Be the first one to review this card.
