PNB Visa Signature Credit Card
Punjab National Bank
Last updated: Feb 03, 2026
₹2,000
₹1,500
3.5%
8 visits/yr
Contents
PNB Visa Signature Credit Card is a premium lifestyle and rewards credit card offering 2 reward points per ₹100 on most retail spends, domestic lounge access and BookMyShow entertainment offers. Designed for high-income users, it provides concierge services, EMI facilities and value-back rewards. Ideal for customers who spend regularly on travel, dining and shopping and want a premium Visa Signature experience.
Features of PNB Visa Signature Credit Card which makes it unique
BookMyShow Offer
50% off on movies and combos.
Great monthly movie savings.
Better entertainment value than entry-level cards.
Concierge Services
24x7 travel and lifestyle assistance.
Premium support for frequent travellers.
Superior to standard customer service.
Rewards Structure of PNB Visa Signature Credit Card
Base Rewards
baseMost retail transactions excluding fuel, wallets and insurance.
Reward points redeemable on PNB Rewardz.
Milestones of PNB Visa Signature Credit Card
Annual Fee Waiver
₹3,00,000 : ₹2,000 annual fee waiver
Fees & Charges of PNB Visa Signature Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹1,500 |
| Annual Fee | ₹2,000 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | 3% |
| Returned Payment Fee | ₹250 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Annual fee waived on ₹3,00,000 yearly spend.
Fee Explanation Standard PNB MITC charges apply including 2.95% monthly interest, forex markup and slab-based late payment fees.
Detailed Explanation of PNB Visa Signature Credit Card Fees
Joining Fee: 1500 (one-time)
Applicable for primary card only.
Annual Fee: 2000 (yearly)
Waived on ₹3,00,000 yearly spend.
Finance Charges: 2.95% per month (monthly)
Applicable on unpaid dues.
Cash Advance Fee: 2% (transaction)
Minimum fee as per ATM type.
Foreign Currency Markup: 3.5% (transaction)
Charged on all international transactions.
Late Payment Fee: 750 (statement)
As per slab-based MITC.
Overlimit Fee: 2.5% (statement)
Minimum ₹500.
Returned Payment Fee: 250 (event)
Charged for failed payments.
Lounge Access Benefits with PNB Visa Signature Credit Card
domestic Lounges
silverVisits per year: 8
Guest access: No
Applicable at participating lounges.
Insurance Coverage with PNB Visa Signature Credit Card
air accident insurance
₹10,00,000Valid for active cardholders.
purchase protection
₹50,000Covers eligible purchases.
Additional Features of PNB Visa Signature Credit Card
Contactless Payments
Tap and pay enabled for quick transactions.
PNB Genie App
Manage card limits, statements and transactions.
Add-on Cards
Free add-on cards for family members.
EMI Conversion
Convert purchases into EMIs.
Welcome Bonus with PNB Visa Signature Credit Card
Welcome Bonus: NA
Bonus Conditions: No separate welcome bonus program is currently offered.
Application Process for PNB Visa Signature Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online on the official PNB portal.
Fill in personal and income details.
Upload KYC and supporting documents.
Complete verification and await approval.
Receive and activate your card.
Required Documents for PNB Visa Signature Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self_employedAccepted documents:
PNB Visa Signature Credit Card Merchant Acceptance Network
Domestic Acceptance
Widely accepted across India.
International Acceptance
Accepted worldwide on Visa network.
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for PNB Visa Signature Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹62,500
Minimum annual income
Self-Employed Applicants
₹62,500
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN, Aadhaar and standard PNB underwriting rules apply.
How Approval Is Decided
- Indian resident aged 21–65.
- Minimum ₹7.5 lakh annual income.
- Credit score of 700 or above.
Pros of PNB Visa Signature Credit Card
- 2 reward points per ₹100 on most spends.
- Complimentary domestic lounge access.
- Premium Visa Signature benefits.
- BookMyShow 50% discount.
- PNB Rewardz redemption flexibility.
Cons of PNB Visa Signature Credit Card
- High forex fee of 3.5%.
- No welcome bonus.
- Not ideal for low monthly spenders.
- Limited international perks.
Frequently Asked Questions about PNB Visa Signature Credit Card
What is the annual fee for the PNB Visa Signature Credit Card?
The annual fee is ₹2,000 and is waived on ₹3,00,000 yearly spend.
How many reward points can I earn?
You earn 2 reward points per ₹100 on most eligible retail transactions.
Does this card offer lounge access?
Yes, it offers 8 complimentary domestic lounge visits per year.
Is there a welcome bonus?
No welcome bonus is currently offered on this card.
Who should apply for this card?
High-income users looking for premium benefits, lounge access and solid base rewards.
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