CREDIT CARD ISSUER

Punjab National Bank Credit Cards

Q: How do I apply for a Punjab National Bank credit card online?

You can apply directly through CardRecommend by clicking 'Apply Online' on your chosen Punjab National Bank card. You will be redirected securely to Punjab National Bank's official digital application portal to complete KYC and application verification.

Q: What are the eligibility and credit score requirements for Punjab National Bank credit cards?

Eligibility criteria and credit score requirements vary by individual card. While entry-level or secured credit cards may be accessible with newer credit histories, premium cards typically require higher income and an established credit profile. Review each individual card's details for exact criteria.

Q: Can I get an annual fee waiver on Punjab National Bank credit cards?

Many Punjab National Bank credit cards offer a full annual renewal fee waiver if you achieve the specified annual spend milestone. Spend requirements and waiver terms vary by card; check the specific card fees for exact spend thresholds.

Q: Do Punjab National Bank credit cards support RuPay UPI payments?

Yes, Punjab National Bank issues dedicated RuPay credit cards that can be linked to UPI apps (such as Google Pay, PhonePe, and Paytm) for seamless merchant QR scan-and-pay transactions. Look for the RuPay network badge on individual cards in the portfolio.

Punjab National Bank is a major public-sector bank offering credit cards and payment products to Indian customers.

Official Portal Support Compare vs Rivals

Total Offerings

17 Active Cards

Fee Range

₹0 (LTF) – ₹2,000

Payment Networks

Visa • RuPay

Zero Fee / LTF

3 Lifetime Free

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PUNJAB NATIONAL BANK PORTFOLIO

Punjab National Bank Credit Cards

Explore 17 active cards and filter them by how you spend.

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Showing 17 of 17 verified Punjab National Bank credit cards

NEW LAUNCH

4.3

PNB Kiwi Credit Card

CashbackRewardsUPI / RuPay

BEST FOR

Daily digital spenders, mobile UPI QR payments, and consumers looking for a lifetime free RuPay credit card with direct cashback conversion.

Annual Fee₹0 (Free)

Rewards1.5% Cashback on UPI Scan & Pay + 0.5% Cashback on Online Spends

Lounge AccessNone / Spend-based

Forex Markup3.5%

Last verified 2 Oct 2026

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NEW LAUNCH

4.3

PNB Parakram Credit Card

CashbackRewardsLifetime Free

BEST FOR

Indian Armed Forces personnel, paramilitary forces, defense veterans, and military families seeking a zero-fee credit card with high insurance protection and UPI payments.

Annual Fee₹0 (LTF)

Rewards2 Reward Points per ₹100 spent (0.50% value) + 3% Cashback on CSD Canteen Spends

Lounge Access4 Domestic + 1 International visits/year

Forex Markup3.5%

Last verified 12 Oct 2026

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Verified

4.3

Punjab National Bank

PNB Bliss Credit Card

•••• •••• •••• Card2026

PNB Bliss Credit Card

Airport Lounge

BEST FOR

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

Annual Fee₹500

RewardsStandard

Lounge Access4 Domestic + 1 International visits/year

Forex Markup3.5%

Renewal fee waived on ₹1,00,000 annual spend

Last verified 3 Oct 2026

visa

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Verified

4.4

PNB EMT RuPay Platinum Credit Card

TravelRewardsAirport Lounge

BEST FOR

Frequent leisure and business travelers who book flights, hotels, and holidays via EaseMyTrip and want direct booking discounts combined with RuPay UPI perks.

Annual Fee₹2,000

RewardsEarn 4 Points per ?100 spent (Flat 20% hotel & 10% flight discount on EaseMyTrip)

Lounge Access8 Domestic + 2 International visits/year

Forex Markup3.5%

Renewal fee waived on ₹1,00,000 annual spend

Last verified 9 Sept 2026

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Verified

3.7

Punjab National Bank

PNB Global Classic Credit Card

•••• •••• •••• Card2026

PNB Global Classic Credit Card

BEST FOR

Salaried consumers seeking basic reward accumulation and quarterly fee waivers

Annual Fee₹250

RewardsStandard

Lounge AccessNone / Spend-based

Forex Markup3.5%

Last verified 3 Oct 2026

visa

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Verified

3.2

PNB Global Gold Credit Card

Shopping

BEST FOR

Entry-level cardholders, PNB account holders, and everyday shoppers wanting a low-cost credit card

Annual Fee₹300

Rewards1 Reward Points for every Rs. 100 you spend

Lounge AccessNone / Spend-based

Forex Markup3.5%

Last verified 3 Oct 2026

visa

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Verified

3.4

PNB Global Platinum Credit Card

Shopping

BEST FOR

PSU bank customers, domestic leisure flyers, and salaried professionals seeking affordable lounge access

Annual Fee₹500

Rewards2 Reward Points per Rs. 150 spent

Lounge AccessNone / Spend-based

Forex Markup3.5%

Last verified 3 Oct 2026

visa

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NEW LAUNCH

4.6

PNB LUXURA Metal Credit Card

TravelDiningAirport Lounge

BEST FOR

High-net-worth public sector bank patrons, overseas travelers, and corporate leaders seeking luxury metal card prestige with zero foreign exchange fees and comprehensive travel coverage.

Annual Fee₹1,999

Rewards3X Reward Points/₹100 Spent on Dining and Travel. 4 Reward Points/₹100 Spent

Lounge AccessUnlimited Domestic & International

Forex Markup2%

Renewal fee waived on ₹6,00,000 annual spend

Last verified 12 Oct 2026

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Verified

3.7

Punjab National Bank

PNB Rakshak RuPay Platinum Credit Card

•••• •••• •••• Card2026

PNB Rakshak RuPay Platinum Credit Card

Lifetime FreeAirport Lounge

BEST FOR

Indian Army, Navy, Air Force, Coast Guard, and Paramilitary personnel seeking Lifetime Free credit with comprehensive duty insurance

Annual Fee₹0 (LTF)

RewardsStandard

Lounge Access4 Domestic visits/year

Forex Markup3.5%

Last verified 3 Oct 2026

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Verified

4.6

Punjab National Bank

PNB Rakshak RuPay Select Credit Card

•••• •••• •••• Card2026

PNB Rakshak RuPay Select Credit Card

Lifetime FreeAirport Lounge

BEST FOR

Serving and retired Indian Armed Forces and Paramilitary personnel looking for zero maintenance fees, high accident insurance, and RuPay UPI functionality.

Annual Fee₹0 (LTF)

RewardsStandard

Lounge Access8 Domestic + 2 International visits/year

Forex Markup3.5%

Last verified 3 Oct 2026

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Verified

4.5

PNB RuPay Millennial Credit Card

ShoppingAirport Lounge

BEST FOR

Gen-Z, college graduates, and young urban professionals looking for accelerated points on digital lifestyle apps combined with RuPay UPI payments and lounge perks.

Annual Fee₹999

RewardsEarn 2 reward points on every other Rs. 150 spent on this card. Earn 50 extra bonus reward points on registering for E-bill facility.

Lounge Access8 Domestic + 2 International visits/year

Forex Markup3.5%

Renewal fee waived on ₹1,00,000 annual spend

Last verified 9 Sept 2026

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Verified

4.7

PNB RuPay Platinum Credit Card

TravelShoppingAirport Lounge

BEST FOR

Value-conscious consumers, government employees, and public-sector banking patrons seeking a reliable RuPay credit card for everyday UPI payments with airport lounge perks.

Annual Fee₹250

Rewards1 Reward Points per Rs. 100 spent

Lounge Access4 Domestic visits/year

Forex Markup3.5%

Renewal fee waived on ₹50,000 annual spend

Last verified 9 Sept 2026

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Verified

4.1

PNB RuPay Platinum Patanjali Credit Card

ShoppingAirport Lounge

BEST FOR

Household grocery shopping at Patanjali Mega Stores, Ayurvedic wellness purchases, and zero-surcharge RuPay UPI payments.

Annual Fee₹500

Rewards1 Reward Point on every spend of Rs. 150 and 2% cashback at Patanjali stores.

Lounge Access4 Domestic visits/year

Forex Markup3.5%

Last verified 3 Oct 2026

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Verified

4.5

PNB RuPay Select Credit Card

ShoppingAirport Lounge

BEST FOR

Value-seeking professionals who want the premium lifestyle privileges of the RuPay Select tier (domestic + international lounges, wellness perks, spa) combined with everyday UPI payments.

Annual Fee₹500

Rewards2 Reward Points on every spend of Rs. 150.

Lounge Access8 Domestic + 2 International visits/year

Forex Markup3.5%

Last verified 9 Sept 2026

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Verified

4.1

PNB RuPay Select Patanjali Credit Card

ShoppingAirport Lounge

BEST FOR

Patanjali retail shoppers, ayurvedic wellness consumers, and families seeking health benefits, airport lounge visits, and high insurance cover.

Annual Fee₹750

Rewards2 Reward Points on every Rs. 150 spent, and 2% cashback on Patanjali products.

Lounge Access8 Domestic + 2 International visits/year

Forex Markup3.5%

Last verified 2 Oct 2026

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Verified

3.9

Punjab National Bank

PNB Wave & Pay Credit Card

•••• •••• •••• Card2026

PNB Wave & Pay Credit Card

BEST FOR

Everyday retail shoppers looking for a secure contactless credit card from a trusted public sector bank with low annual maintenance fees.

Annual Fee₹500

RewardsStandard

Lounge AccessNone / Spend-based

Forex Markup3.5%

Renewal fee waived on ₹50,000 annual spend

Last verified 3 Oct 2026

visa

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Verified

4.0

PNB Zaggle Twin Credit Cards

ShoppingAirport Lounge

BEST FOR

Corporate professionals and SMEs managing bifurcated business and personal expenses

Annual Fee₹499

Rewards10 Reward Points on Every ₹300 Spent

Lounge Access8 Domestic + 2 International visits/year

Forex Markup3.5%

Renewal fee waived on ₹1,00,000 annual spend

Last verified 3 Oct 2026

visa

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COMPETITOR BENCHMARK

Compare Punjab National Bank vs Competitor Banks (2026)

Benchmark Punjab National Bank flagship credit cards against top alternatives in the same spending tier.

Cross-Bank Benchmark

Punjab National Bank vs Competitor Banks (2026 Comparison)

Open Compare Matrix

Bank & Flagship Card	Key Specialization	Annual Fee	Top Highlight / Perk	Action
HDFC BankHDFC Bank Millennia Credit Card	Cashback	₹1,000	5% direct CashBack on top 10 online platforms (Amazon, Flipkart, Swiggy, Zomato, Myntra, Uber)	Explore
SBI CardCashback SBI Card	Cashback	₹999	Flat 5% cashback on online spends across virtually all e-commerce merchants without partner lock-in	Explore
ICICI BankAmazon Pay ICICI Bank Credit Card	Cashback	Free (LTF)	Lifetime Free credit card with unconditionally zero joining fee and zero annual renewal charges	Explore
Axis BankAirtel Axis Bank Credit Card	Cashback	₹500	25% direct cashback on Airtel mobile, broadband, and DTH payments via the Airtel Thanks App	Explore
IDFC FIRST BankIDFC FIRST Select Credit Card	Travel	Free (LTF)	100% Lifetime Free card with zero joining fee and zero annual maintenance fees forever	Explore
American ExpressAmerican Express Platinum Travel Credit Card	Travel	₹5,000	Flagship ₹20,000 Taj Experiences e-Gift Card milestone upon reaching ₹7 Lakh annual spend	Explore

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About Punjab National Bank Credit Cards

Issuer history, core reward architecture, and market position

Why Choose Punjab National Bank Credit Cards?

Distinctive advantages of holding cards from Punjab National Bank

Reward Program Multipliers

Accelerated points on flight and hotel bookings, partner e-commerce shopping, and flexible point-to-cash redemptions.

Airport Lounge Entitlements

Complimentary domestic and international airport lounge visits per calendar quarter across major airport terminals in India.

Annual Spend Fee Waivers

Full annual renewal fee waiver upon hitting predetermined yearly spend milestones (typically ₹1L to ₹3L spend).

Zero Lost Card Liability

24/7 fraud monitoring, contactless NFC tap-to-pay security, and immediate digital lock through mobile banking.

Punjab National Bank Card Eligibility & Required Documents

Essential requirements before initiating your digital application

Eligibility Criteria

Card-Specific Terms: Specific eligibility criteria (such as minimum income, age requirements, and credit history) vary by individual credit card.
Credit Profile: Approval and sanctioned credit limits depend on your credit history, existing liabilities, and individual bank underwriting guidelines.
Employment Status: Salaried individuals with steady monthly income or self-employed professionals with filed tax returns (ITRs) are generally eligible.
Residential Status: Resident Indian citizens (and NRIs where supported by specific product terms) with valid KYC documents.

Documentation Checklist

Proof of Identity: PAN Card (mandatory), Aadhaar Card, Passport, or Voter ID.
Proof of Address: Aadhaar Card, utility bills (electricity, water, gas < 3 months old), or driving license.
Income Proof (Salaried): Latest 3 months salary slips, Form 16, and 6 months bank account statements.
Income Proof (Self-Employed): Latest 2 years Income Tax Returns (ITR) with computation of income and audited P&L statement.

Frequently Asked Questions

Frequently Asked Questions About Punjab National Bank Credit Cards

Get clear answers on fees, reward points redemption, lounge privileges, and online application procedures.

How do I apply for a Punjab National Bank credit card online?

You can apply directly through CardRecommend by clicking 'Apply Online' on your chosen Punjab National Bank card. You will be redirected securely to Punjab National Bank's official digital application portal to complete KYC and application verification.

What are the eligibility and credit score requirements for Punjab National Bank credit cards?

Eligibility criteria and credit score requirements vary by individual card. While entry-level or secured credit cards may be accessible with newer credit histories, premium cards typically require higher income and an established credit profile. Review each individual card's details for exact criteria.

Can I get an annual fee waiver on Punjab National Bank credit cards?

Many Punjab National Bank credit cards offer a full annual renewal fee waiver if you achieve the specified annual spend milestone. Spend requirements and waiver terms vary by card; check the specific card fees for exact spend thresholds.

Do Punjab National Bank credit cards support RuPay UPI payments?

Yes, Punjab National Bank issues dedicated RuPay credit cards that can be linked to UPI apps (such as Google Pay, PhonePe, and Paytm) for seamless merchant QR scan-and-pay transactions. Look for the RuPay network badge on individual cards in the portfolio.

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