Punjab National Bank (PNB) offers a diverse portfolio of credit cards in 2026, catering to various spending habits and financial needs. As of May 2026, PNB serves over 6.6 lakh active credit card customers nationwide, with options ranging from lifetime-free cards to premium metal variants.
| Option | Annual Cost / Fee (Rs.) | Key Benefit / Rate | Best For |
|---|---|---|---|
| PNB Kiwi Credit Card | Lifetime Free | Cashback on eligible UPI merchant transactions | Daily UPI users, digital payments |
| PNB RuPay Platinum | Zero joining fee, Zero annual fee (if used at least once per quarter) | Reward points, cashback on utility bill payments, dining, shopping | Beginners, everyday spending, truly lifetime free option |
| PNB Global Platinum Credit Card | Waived off if spend > credit limit, or at least one retail purchase per quarter, or good track record | Global acceptance (29M+ merchant establishments, 1M+ ATMs), insurance protection | Global transactions, secure shopping, frequent international travelers |
| PNB Rakshak Plus Scheme (RuPay Platinum) | No joining fee, No annual fee (if used at least once per quarter) | Exclusive cashback on dining, eateries, utility bill payments; accidental death/permanent disability coverage of ₹2 lakh | Serving members, veterans, and trainees (defense personnel) |
| PNB Rakshak Plus Scheme (RuPay Select) | No joining fee, No annual fee (if used at least once per quarter) | Exclusive cashback on dining, eateries, utility bill payments; accidental death/permanent disability coverage of ₹10 lakh | Serving members, veterans, and trainees (defense personnel) seeking higher coverage |
| PNB LUXURA RuPay Metal | ₹9000 + GST (Metal Card); ₹6000 + GST (Non-Metal Card) | Premium travel benefits, lounge access, zero forex markup | Frequent travelers, luxury spending, premium cardholders |
| PNB LUXURA VISA Infinite (Metal Card) | ₹4999 + GST | Premium travel benefits, lounge access, zero forex markup | Frequent travelers, luxury spending, premium cardholders preferring VISA |
| PNB LUXURA VISA Infinite (Non-Metal Card) | ₹1999 + GST | Premium travel benefits, lounge access, zero forex markup | Frequent travelers, luxury spending, cost-conscious premium cardholders |
| PNB RuPay Millennial Credit Card | Joining Fee: ₹399, Annual Fee: ₹999 (waived if ₹1 lakh spent in previous FY) | Features and benefits across multiple categories, reward points | Millennial users, diverse spending habits |
| PNB Patanjali RuPay Select Card | Zero joining fee, Zero annual fee, Zero renewal fee | Day-to-day rewards, savings, extra comfort while spending | Regular Patanjali customers, value-conscious shoppers |
| PNB RuPay Select Card | Not specified (check PNB website for current fees) | Premium perks, strong security, easy account management | Users seeking a safe, reliable credit card with premium perks |
| PNB EMT RuPay Platinum Credit Card | Not specified (check PNB website for current fees) | Exclusive travel benefits with lounge access, widely accepted | Travelers seeking d value from everyday spending |
| PNB Visa Signature credit card | Joining Fee: ₹1,500, Annual Fee: ₹500 | Standard benefits, global acceptance | Users preferring VISA network with moderate fees |
| PNB Credit Cards issued against FD | Finance charges: 1.5% per month (19.56% p.a.) | Secured credit option, builds credit history | New to credit, low credit score, students, self-employed |
Each PNB credit card offers distinct advantages, from cashback on UPI transactions with the Kiwi card to extensive travel benefits on the LUXURA variants, allowing users to align their card choice with their specific financial priorities.
PNB Credit Card Fees & Charges
PNB credit cards carry various fees, including joining, annual, and interest charges, which vary significantly by card type. As of 2026, many entry-level cards like PNB RuPay Platinum and PNB Kiwi are lifetime free, while premium cards like PNB LUXURA RuPay Metal can have joining fees up to ₹9,000 + GST.
| Option | Upfront / Joining Cost (₹) | Ongoing / Annual Cost (₹) | Interest / Charges (%) |
|---|---|---|---|
| PNB Kiwi Credit Card | Zero | Zero (Lifetime Free) | – |
| PNB RuPay Platinum | Zero | Zero | – |
| PNB RuPay Millennial Credit Card | 399 | 999 (waived on ₹1 lakh annual spend) | – |
| PNB Metal Credit Card Luxura on RuPay Ekaa (Metal Card) | 9,000 + GST | – | – |
| PNB Metal Credit Card Luxura on RuPay Ekaa (Non-Metal Card) | 6,000 + GST | – | – |
| PNB Metal Credit Card Luxura on RuPay Ekaa (Staff, 1st Card) | Free | – | – |
| PNB Metal Credit Card Luxura on RuPay Ekaa (Staff, 2nd Card) | 250 | – | – |
| PNB Metal Credit Card Luxura on VISA Infinite (Metal Card) | 4,999 + GST | – | – |
| PNB Metal Credit Card Luxura on VISA Infinite (Non-Metal Card) | 1,999 + GST | – | – |
| PNB Visa Signature Credit Card | 1,500 | 500 | – |
| PNB Wave & Pay Credit Card | – | 500 | 2.95% per month |
| PNB Co-branded Credit Cards (Patanjali Ayurved Limited) | Zero | Zero | – |
| PNB Credit Cards issued against FD | – | – | 1.5% per month (19.56% p.a.) |
| All PNB Credit Cards (General Finance Charges) | – | – | 2.95% per month (reducing basis) |
Annual fee waivers are common for many PNB cards, often requiring a minimum annual spend of ₹1 lakh in the previous financial year, or specific usage patterns for cards like the PNB Global Platinum Credit Card.
Key Benefits & Rewards
PNB credit cards offer a range of benefits, from cashback on daily UPI transactions to premium travel privileges. As of 2026, PNB focuses on digital innovation, providing instant card approvals and d security features.
- Lifetime Free Cards: The PNB Kiwi Credit Card and PNB RuPay Platinum card are lifetime-free, with no joining or annual fees. The PNB Kiwi card offers 1.5% cashback on eligible UPI merchant transactions.
- Reward Points Program: Most PNB credit cards offer reward points on every retail transaction. For example, the PNB Global Platinum Credit Card earns 2 reward points for every ₹150 spent.
- Global Acceptance: PNB Global Credit Cards are accepted at over 29 million merchant establishments and one million Visa-enabled ATMs worldwide. This ensures convenience for international travel and online purchases.
- Fuel Surcharge Waivers: Several cards, including the PNB Platinum card, offer fuel surcharge waivers up to ₹250 per billing cycle. This provides savings on fuel expenses.
- Co-branded Card Benefits: The PNB Patanjali RuPay Select Card offers up to 2% cashback on transactions at Patanjali stores for amounts ₹2,500 and above. IT also provides a 50% discount on movie tickets via BookMyShow.
- Travel Privileges: Premium cards like the PNB LUXURA RuPay Metal and PNB RuPay Select Card offer complimentary domestic airport lounge access. The PNB Global Classic Credit Card allows conversion of reward points into Jet Airways (JP Miles) air miles.
- Insurance Coverage: The PNB Rakshak RuPay Select Credit Card provides full insurance coverage of up to ₹10 lakh. This includes various health and travel-related benefits.
- EMI Facility: PNB credit cards allow conversion of large purchases into easy monthly installments (EMIs). This facility is available for single transactions of ₹2,500 and above, if requested within 10 days of purchase.
These benefits cater to diverse spending habits, from daily s to travel and premium lifestyle needs.
PNB Credit Card Eligibility
To qualify for a PNB credit card in 2026, applicants must be Indian citizens aged 21-70 years, with a minimum annual income ranging from ₹1 lakh to ₹7.5 lakh, depending on the card variant. A CIBIL score of 700 or above is generally required for approval.
| Criteria | Requirement |
|---|---|
| Age | 21-70 years for primary cardholders; 18 years for add-on cardholders |
| Nationality | Indian citizen |
| Minimum Annual Income (Classic Card) | ₹1 lakh |
| Minimum Annual Income (Gold Card) | ₹2.5 lakh |
| Minimum Annual Income (Platinum Card) | ₹5 lakh |
| Minimum Annual Income (PNB Visa Signature Credit Card) | ₹7.50 lakh |
| Credit Score | 700 or above (generally considered standard) |
| Existing PNB Customer | For more than 6 months (for some cards) |
| Documents Required | Identity Proof (Voter ID, Passport, PAN, Aadhaar, Driving License), Address Proof, Income Proof (salary slips, bank statements, tax returns, business income proof) |
Meeting these criteria your chances of approval for a PNB credit card, with specific income requirements varying by card type.
How to Apply Online
Applying for a PNB credit card in 2026 is a straightforward process, available through both online and offline channels. The bank has adopted a digital-first approach, offering instant card approval for eligible applicants. You can initiate your application via the PNB SARAL mobile app or the bank’s official website.
- Choose Your Card: Review PNB’s diverse credit card portfolio, including options like the PNB Kiwi Card for UPI cashback or the PNB RuPay Platinum for a lifetime-free experience. Select a card that aligns with your spending habits and eligibility criteria.
- Gather Documents: Prepare necessary KYC documents, identity proof (e.g., PAN Card, Passport), address proof, and income proof (e.g., Salary Certificate, Form 16). For salaries over ₹20,834 per month for six consecutive months, income proof may not be required.
- Online Application: Visit the official PNB credit card portal or use the PNB One or PNB SARAL mobile apps. Fill out the online application form with accurate personal and financial details.
- Submit Application: Upload scanned copies of your documents directly through the online portal. Ensure all fields are completed to avoid delays in processing.
- Application Tracking: After submission, you will receive an application number. You can check your application status by emailing creditcardpnb@pnb.co.in with your application number and name, or by visiting a PNB branch.
- Offline Application: Alternatively, download the application form from the PNB credit card portal or collect IT from your nearest PNB branch. Fill IT out and submit IT along with your documents to a bank representative.
PNB’s 24×7 customer support is available via phone, email, and mobile app to assist with any application queries.
Which PNB Card to Pick?
Choosing the right PNB credit card depends on your spending habits and financial goals. PNB offers cards for various needs, from daily UPI transactions to premium travel benefits, with over 6.6 lakh active credit card customers nationwide as of October 2025.
Consider these popular PNB credit cards based on their primary benefits:
- PNB Kiwi Credit Card: This lifetime-free RuPay card is ideal for daily UPI users, offering cashback on eligible UPI merchant transactions. IT is backed by the Kiwi platform, used by over 30 lakh users across 586+ Indian cities.
- PNB RuPay Platinum: A strong choice for beginners, this card has zero joining fees, zero annual fees, and no spend target for waiver. IT is one of the few truly lifetime-free co-branded RuPay credit cards in India.
- PNB LUXURA RuPay Metal: For frequent travelers seeking premium benefits, this card offers d features for travel and lifestyle. IT runs on the RuPay network, ensuring wide acceptance.
- PNB Patanjali RuPay Select Card: This card suits regular Patanjali customers, providing daily rewards and savings on Patanjali purchases. IT also offers a 50% discount on movie tickets via BookMyShow.
- PNB EMT RuPay Platinum Credit Card: Designed for those seeking value from everyday spending, this RuPay network card is accepted across India and for international payments. IT combines secure transactions with attractive savings.
- PNB Global Platinum Credit Card: This Visa network card is suitable for managing expenses globally, offering rewards, savings, and privileges. IT provides secure transactions and reliable customer support.
Evaluate each card’s specific features, fees, and eligibility criteria to find the best fit for your financial lifestyle in 2026.
Common Mistakes & Myths
Many PNB credit card applicants make common errors, impacting their approval chances or card utility. A CIBIL score below 700 is a frequent reason for application rejection, as most banks require a good credit history. Understanding card features and eligibility helps avoid these pitfalls.
- Ignoring CIBIL Score: A CIBIL score of 700 or above is generally standard for PNB credit card eligibility. Lower scores often lead to application rejection.
- Overlooking Annual Fee Waivers: Some PNB cards, like the RuPay Millennial, waive the annual fee if you spend ₹1 lakh in the previous financial year. Not meeting this target means paying the fee.
- Misunderstanding Reward Point Value: As of September 1, 2024, one PNB reward point is valued at ₹0.25. Many users overestimate their redemption value.
- Not Utilizing Co-branded Benefits: PNB offers co-branded cards with partners like Patanjali, providing specific cashback (e.g., 2.00% on ₹2,500+ at Patanjali stores). Ignoring these specific benefits reduces savings.
- Missing Contactless Payment Limits: Contactless transactions on PNB Wave & Pay cards are limited to ₹5,000 and below per transaction. Larger amounts require chip-and-PIN.
Avoiding these common mistakes ensures a smoother application process and maximizes the benefits of your PNB credit card.
PNB Credit Card Offers 2026
Punjab National Bank (PNB) offers various credit card deals in 2026, including instant discounts and cashback. Cardholders can get up to ₹1,750 instant discount on Amazon purchases during specific periods in May and June 2026. Additional discounts are available at electronics retailers like Vijay Sales and Samsung CD from May 2026 onwards.
| Merchant | Offer | Period | Condition |
|---|---|---|---|
| Amazon (E-Commerce) | Flat ₹750 instant discount on minimum transaction of ₹24,990. Maximum discount of ₹1,750 per card. | 21st – 31st May, 2026 & 21st – 27th June, 2026 | Valid once per card, per product per month. Valid all days except blackout days. No coupon required. |
| Vijay Sales (Electronics) | Additional discount on retail credit cards (excluding co-branded cards). | 1st May 2026 onward | In stores only. Valid for 1 transaction per card per month, on EMI and full swipe. Connect with store to avail. |
| Samsung CD (Electronics) | Additional discount on retail credit cards (excluding co-branded cards). | 1st May 2026 onward | In stores only. Valid for 1 transaction per card per month, on EMI and full swipe. Connect with store to avail. |
| EaseMyTrip | Up to 20% OFF on Flight, Hotel & Bus Bookings (using coupon code EMTPNBCC). | Till 30th June, 2026 | Apply coupon code EMTPNBCC. Child/infant discount, date/flight change, refund charges, weekend surcharge, blackout period, travel/flight restrictions apply. |
| EaseMyTrip | Exclusive discounts on flights, hotels and bus bookings (using coupon code PNBEMT). | Till 31st December, 2026 | Valid for transactions done through PNB EaseMyTrip Credit Cards only on EaseMyTrip.com. |
| Cleartrip | Up to 15% off on Domestic and International Flights (using coupon code PNBCC). | Not specified | Enter coupon code PNBCC before payment with your PNB Credit Card for any Domestic/International One-way or Roundtrip Flight. |
| Makemytrip | Flat 7% instant discount up to ₹100; minimum transaction value: ₹500. | 25th April 2026 onward | Valid for one booking per card per category per month only on Thursday, Friday, Saturday & Sunday, except blackout days. |
| Sarovar Hotels | 10%-25% discount on Foods & Beverages. | Ongoing | Applicable when using PNB Global Classic Credit Card. |
| BookMyShow | 50% discount on movie tickets and food combos per month. | Ongoing | Applicable when booking via BookMyShow using PNB Patanjali RuPay Select credit card. |
These offers provide significant savings across e-commerce, travel, and daily spending categories for PNB credit cardholders in 2026.
Key Takeaways
- PNB credit cardholders can avail up to ₹1,750 instant discount on Amazon purchases during specific promotional windows in May and June 2026.
- Travel-focused cards like PNB EMT RuPay Platinum offer up to 20% off on EaseMyTrip bookings until June 2026, using specific coupon codes.
- Co-branded cards, such as PNB Patanjali RuPay Select, provide a 50% monthly discount on movie tickets and food combos via BookMyShow.
Review the specific terms and conditions for each offer on the official PNB Credit Card portal before making a transaction.
Frequently Asked Questions (FAQs)
Which PNB credit card is best for daily UPI transactions in 2026?
The PNB Kiwi Credit Card is the best option for daily UPI transactions in 2026. This lifetime-free co-branded RuPay card offers cashback on eligible UPI merchant transactions. IT is backed by the Kiwi platform, trusted by over 30 lakh users across India.
What are the best PNB credit cards for beginners in 2026?
For beginners, the PNB RuPay Platinum credit card is a strong choice in 2026. IT has no joining fee, no annual fee, and no spend target to keep IT free. This makes IT one of the few truly lifetime-free co-branded RuPay credit cards available.
Does PNB offer credit cards with travel benefits in 2026?
Yes, PNB offers credit cards with premium travel benefits, such as the PNB LUXURA RuPay Metal card in 2026. This card provides features like unlimited lounge access and zero forex markup. IT also offers a welcome bonus of 20,000 points.
What is the eligibility criteria for a PNB credit card in 2026?
PNB credit card eligibility in 2026 typically requires applicants to be Indian residents aged 21 to 60 years. A stable income source and a CIBIL score of 750 or higher are generally preferred. Specific income requirements vary by card type.
What documents are needed to apply for a PNB credit card?
To apply for a PNB credit card, you will need identity proof (PAN card, Aadhaar), address proof (utility bill, passport), and income proof (salary slips, bank statements, ITR). PNB also requires a recent passport-sized photograph. Ensure all documents are valid and up-to-date for 2026.
Are there any PNB credit cards with zero annual fees in 2026?
Yes, PNB offers credit cards with zero annual fees in 2026, such as the PNB Kiwi Credit Card and the PNB RuPay Platinum card. These cards are lifetime-free, meaning they have no joining fee or annual fee. You do not need to meet any spend targets to keep them free.
How can I check my PNB credit card application status?
You can check your PNB credit card application status online through the PNB credit card portal or by contacting PNB customer care. You will need your application reference number to track its progress. PNB typically provides updates via SMS or email.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.
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