PNB Bliss Credit Card Review (2026): Rewards, ₹500 Fee & Apply

Why Consider This Card?

Objective editorial assessment, ideal spender profile, and primary trade-offs

Editorial Verdict

4.3/5 Editorial Score

The PNB Bliss Credit Card is Punjab National Bank's flagship credit offering curated exclusively for women professionals, entrepreneurs, and homemakers. Designed to champion personal wellness and lifestyle aspiration, the card offers an accelerated 4 Reward Points per ₹100 spent across health clubs, gyms, beauty salons, cosmetic stores, and apparel boutiques. With an accessible annual fee of ₹500 (waived on spending ₹1 Lakh annually) and zero joining fees, PNB Bliss combines everyday affordability with genuine lifestyle savings. Cardholders benefit from an industry-low finance charge of 2.95% per month (35.40% p.a.), built-in accidental death cover of ₹2,00,000, and a 1% fuel surcharge waiver across India. Furthermore, it supports both physical card transactions and digital card management via the PNB ONE app. Who should consider it: Women seeking a reliable, low-interest public sector bank card that rewards regular spending on personal care, fitness, and wardrobe upgrades. Who should avoid it: Frequent international travelers requiring foreign airport lounges or zero-forex transaction benefits.

Ideal For:Women professionals, fitness and wellness spending, fashion and apparel purchases, and zero-surcharge fuel expenses.

Airport Lounge

Card Strengths

4X Points on Wellness & Beauty: Earn 4 Reward Points per ₹100 on health checkups, gyms, beauty salons, cosmetics, and apparel.
Zero Joining Fee: Issued with ₹0 joining fee and an achievable ₹1,00,000 annual spend waiver threshold.
Low 2.95% Monthly Interest: Enjoy a competitive public-sector finance charge of 2.95% per month (35.40% p.a.).
₹2 Lakh Insurance Coverage: Complimentary accidental insurance cover of ₹2,00,000 included with card membership.
Fuel Surcharge Waiver: 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 across petrol pumps.

Things to Keep in Mind

Exclusively for Women: Card membership is restricted to women applicants only; men cannot apply as primary holders.
No Airport Lounge Access: Does not include complimentary domestic or international airport lounge visits.
Standard 3.50% Forex Markup: Standard 3.50% forex fee applies on overseas online and physical transactions.
₹1 Lakh Waiver Requirement: Must spend ₹1 Lakh annually to waive the ₹500 renewal fee.

Rewards & Cashback Structure

Base earning rates, partner merchant acceleration, redemption options, and exclusions

Reward Program Name: PNB Rewardz
Reward Currency: PNB Reward Points
Point Value (INR): ₹0.2500 per point
Redemption Channels: Refer to bank rewards portal
Reward Point Expiry: Refer to bank rewards program terms

Category Accelerated Earn RatesPublished Terms

Spend Category	Earn Rate	Reward Cap	Conditions
Apparel, Dining & Grocery Spends	4 Reward Points per ₹100 spent on apparel, dining and grocery (1.00% return; 1 RP = ₹0.25)	No Cap	Standard terms apply
Other Retail Spends	2 Reward Points per ₹100 spent	No Cap	Standard terms apply

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Estimate Your Custom Monthly Rewards

Calculate estimated net cashback and points across your actual spending pattern.

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Reward Exclusions: Fuel transactions, wallet loading, cash withdrawals, rent payments, educational payments, and government services are generally excluded from base and accelerated reward point accrual across all Indian card issuers.

Reward Calculator

Estimate Your Annual Rewards

Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.

Verified Rates & Caps

Quick Select:

Total Monthly Spend:₹30,000 / month

₹5,000 / mo₹1 lakh / mo₹2 lakh / mo

Category Spend Allocation

Customize monthly spend in each category. Category amounts sum directly to your monthly spend.

Assumed spend distribution

Apparel, Dining & Grocery Spends1.00%

No published cap

₹

Other Retail Spends0.50%

No published cap

₹

Excluded / Non-Reward Spends0%

Fuel, rent, wallet, govt, cash

₹

Category / Reward Bucket	Monthly Spend	Rate	Effective Rate	Cap Period	Eligible Reward	Cap Status
Apparel, Dining & Grocery Spends	₹12,000	4 Reward Points per ₹100 spent on apparel, dining and grocery (1.00% return; 1 RP = ₹0.25)	—	None	Calculating...	Under cap
Other Retail Spends	₹18,000	2 Reward Points per ₹100 spent	—	None	Calculating...	Under cap
Total Monthly Cashback	₹30,000	-	—	-	₹0 / mo	Zero cap loss

Annual Spends

₹3.6 lakh

12 billing cycles

Annual Capped Rewards

₹0

0% blended return

Effective Fee

-₹500

Standard renewal

Net Annual Value

+₹0 / yr

Rewards - Fee

*Calculation based on verified card reward rates, applicable monthly caps, and fee-waiver thresholds - ₹500 annual fee.

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Airport Lounge Access

Domestic and international lounge privileges, spend hurdles, and participating terminals

Domestic Lounge Access

Airports within India

Included

Complimentary Visits: 4 complimentary visits per year
Spend Requirement: No spend requirement

1 complimentary domestic airport lounge visit per calendar quarter (4 per year)

International Lounge Access

Global airports outside India

Included

Complimentary Visits: 1 complimentary visit per year
Spend Requirement: No spend requirement
Access Type: International Lounge Program

1 complimentary international airport lounge visit per calendar year

Planning an upcoming departure?

Verify this card against live departure gates and specific terminal lounges across India.

Check airport coverage →

Where can I use this card for airport lounge access?

This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.

See where this card gets lounge access

Airport Lounge Checker

Domestic Allowance4 Domestic + 1 International visits/year

Airport Coverage40+ Major Indian Airports

Lounge DirectoryView All Lounge Coverage

Representative Major Airport Lounges:

Delhi (DEL)Mumbai (BOM)Bengaluru (BLR)Hyderabad (HYD)Chennai (MAA)Kolkata (CCU)All 40+ Airports →

Fees & Charges

Complete breakdown of joining, renewal, forex, financing APR, and transaction charges

1. Card Membership Fees

Joining Fee (1st Year): Free
Annual / Renewal Fee (2nd Year Onwards): ₹500
Annual Spend Fee Waiver: Waived on ₹1 lakh annual spend
Fee Terms Notes: Women lifestyle credit card; fee waived on ₹1,00,000 annual spend; 4 domestic + 1 intl lounges

2. International Spends

Foreign Currency Markup (Forex): 3.50% + GST
Dynamic Currency Conversion (DCC): Standard 1% mark-up on cross-currency INR transactions where applicable

3. Borrowing & Financing

Monthly Interest Rate (Finance Charges): 0.25% per month
Annualized Interest Rate (APR): 2.95% p.a.
Cash Advance / ATM Withdrawal Fee: Refer to official schedule of charges
Interest-Free Period: Up to 50 Days

4. Other Charges & Taxes

Late Payment Charges: Refer to official schedule of charges

Regulatory Tax Notice: Goods and Services Tax (GST) of 18% is applicable on all card fees, interest charges, and milestone fees as mandated by the Government of India.

Verified Terms & Exclusions Summary

• Eligibility: Exclusively for women applicants (salaried or self-employed) aged 21–65 with minimum verifiable annual income of ₹3.0 Lakhs. • Joining Fee: ₹0; Annual Renewal Fee: ₹500 (Waived on spending ₹1,00,000 or more in the preceding anniversary year). • Accelerated Wellness Rewards: 4 Reward Points per ₹100 spent on Health, Gyms, Spas, Salons, Cosmetics, and Branded Apparel. • General Retail Rewards: 2 Reward Points per ₹100 spent on all other eligible merchant categories. • Preferential APR: Low interest rate of 2.95% per month (35.40% annual percentage rate). • Comprehensive Insurance: Complimentary accidental insurance cover of up to ₹2,00,000 for primary cardholders. • Fuel Surcharge: 1% fuel surcharge waiver for transactions between ₹500 and ₹3,000 (maximum waiver ₹250 per billing cycle).

Is the Annual Fee Worth It?

Evaluate whether this card's perks and waiver threshold justify its ₹500 renewal fee.

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Eligibility & Application Requirements

Income criteria, minimum age, CIBIL score benchmark, and verification checklist

Eligibility criteria not specified

Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.

Mandatory Verification Documents

1. Identity ProofPAN Card (Mandatory), Aadhaar Card, Passport, or Voter ID.

2. Address ProofAadhaar (DigiLocker), Utility Bill (Electricity/Piped Gas), or Rental Agreement.

3. Income ProofLatest 3 months salary slips, Form 16, or latest 2 years ITR computation.

Frequently Asked Questions

Common questions regarding PNB Bliss Credit Card application, fees, reward redemption, and eligibility

Who can apply for the PNB Bliss Credit Card?

The PNB Bliss Credit Card is specifically curated for women. Any salaried or self-employed woman aged between 21 and 65 years meeting PNB's income criteria can apply.

What are the accelerated reward categories on PNB Bliss?

Cardholders earn 4 Reward Points per ₹100 spent on Health and Fitness, Gym memberships, Beauty Parlours, Spas, Cosmetics, and Apparel stores.

How can I waive the annual fee on PNB Bliss?

The ₹500 annual renewal fee is automatically waived if your total retail spending on the card exceeds ₹1,00,000 in the preceding anniversary year.

Does PNB Bliss provide domestic airport lounge access?

No, the PNB Bliss Credit Card does not include airport lounge access. It is focused on domestic health, fitness, and lifestyle categories.

What is the joining and annual renewal fee for PNB Bliss Credit Card?

The joining fee for PNB Bliss Credit Card is Free (one-time), and the annual renewal fee is ₹500 from the second year onwards. GST of 18% is applicable on all fee charges.

Can the annual fee on PNB Bliss Credit Card be waived?

Yes, the annual renewal fee of ₹500 is waived upon achieving annual spends of ₹1 lakh in the preceding card anniversary year.

What are the primary rewards and cashback earn rates on PNB Bliss Credit Card?

PNB Bliss Credit Card offers reward points on eligible transactions. Cardholders also enjoy accelerated reward rates on partner merchants and selected digital spend categories.

Does PNB Bliss Credit Card offer complimentary airport lounge access?

Yes, PNB Bliss Credit Card provides 4 Domestic + 1 International visits/year.

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Why Consider This Card?

Editorial Verdict

Card Strengths

Things to Keep in Mind

Rewards & Cashback Structure

Estimate Your Custom Monthly Rewards

Estimate Your Annual Rewards

Category Spend Allocation

Airport Lounge Access

Domestic Lounge Access

International Lounge Access

Planning an upcoming departure?

Where can I use this card for airport lounge access?

Fees & Charges

1. Card Membership Fees

2. International Spends

3. Borrowing & Financing

4. Other Charges & Taxes

Verified Terms & Exclusions Summary

Is the Annual Fee Worth It?

Eligibility & Application Requirements

Mandatory Verification Documents

Frequently Asked Questions

Similar Cards to Compare

Ready to Apply for PNB Bliss Credit Card?

Why Consider This Card?

Editorial Verdict

Card Strengths

Things to Keep in Mind

Rewards & Cashback Structure

Estimate Your Custom Monthly Rewards

Estimate Your Annual Rewards

Category Spend Allocation

Airport Lounge Access

Domestic Lounge Access

International Lounge Access

Planning an upcoming departure?

Where can I use this card for airport lounge access?

Fees & Charges

1. Card Membership Fees

2. International Spends

3. Borrowing & Financing

4. Other Charges & Taxes

Verified Terms & Exclusions Summary

Is the Annual Fee Worth It?

Eligibility & Application Requirements

Mandatory Verification Documents

Frequently Asked Questions

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Ready to Apply for PNB Bliss Credit Card?

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