Best PNB Credit Card to Apply – Are you looking for the perfect credit card to fit your lifestyle? PNB has a wide range of credit cards that offer benefits and rewards. Compare the benefits of different PNB credit cards to find the one that best suits your needs. From cashback and rewards to travel and lifestyle perks, PNB credit cards offer something for everyone.
With competitive interest rates and low annual fees, PNB credit cards are an excellent choice for those looking to maximize their savings. Read on to learn more about the benefits of different PNB credit cards and find the one that’s right for you.
Table of Content
- Table of Content
- PNB Credit Card – Top 10 Cards To Apply, Benefits, Review
- PNB Global Platinum Card
- PNB Global Classic Card
- PNB Rupay Platinum Card
- PNB Rupay Select Card
- PNB Rupay Millennial Credit Card
- The PNB Rakshak RuPay Platinum Card
- PNB Mastercard World Card
- Punjab National Bank Mastercard Titanium Card
- The Patanjali RuPay Select Card
- Rewards and Benefits of PNB Credit Card
- Eligibility Requirements for PNB Credit Card
- Conclusion
- HDFC Bank Popular Credit Cards Review
PNB Credit Card – Top 10 Cards To Apply, Benefits, Review
Understanding your credit card needs is essential for financial decisions. With the right credit card, you can enjoy the convenience of making purchases without having to carry cash, build your credit score, and even earn rewards. But with so many different types of credit cards available, it can be difficult to determine which one is best for you.
| No. | Credit Card Name | Key Features |
|---|---|---|
| 1. | PNB Global Platinum Card | – 1 reward point for every Rs. 150 spent – Discounts on dining, shopping, and entertainment – Fuel surcharge waiver of up to Rs. 100 per month |
| 2. | PNB Global Classic Card | – 1 reward point for every Rs. 150 spent – Fuel surcharge waiver of up to Rs. 100 per month – Annual fee: Rs. 300 |
| 3. | PNB Rupay Platinum Card | – 1 reward point for every Rs. 100 spent – Discounts on dining, shopping, and entertainment – Annual fee: Rs. 300 |
| 4. | PNB Rupay Select Card | – 2 reward points for every Rs. 100 spent – Discounts on dining, shopping, and entertainment – Fuel surcharge waiver of up to Rs. 100 per month – Annual fee: Rs. 500 |
| 5. | PNB Rupay Millennial Card | – Complimentary Golf and Spa Sessions – Annual fee: Rs. 399 |
| 6. | The PNB Rakshak RuPay Platinum Card | – 300+ reward points on 1st Spends – No joining fee – 24/7 concierge services |
| 7. | PNB Mastercard World Card | – 2 reward points for every Rs. 150 spent – Complimentary airport lounge access – Discounts on dining, shopping, and entertainment – Fuel surcharge waiver of up to Rs. 100 per month – Annual fee: Rs. 1,000 |
| 8. | PNB Mastercard Titanium Card | – 1 reward point for every Rs. 150 spent – Discounts on dining, shopping, and entertainment – Fuel surcharge waiver up to Rs. 100 per month |
| 9. | The PNB Patanjali RuPay Select Card | – 2X rewards points on retail merchandise – Complimentary Domestic and International Lounge Program. |
PNB Global Platinum Card
The PNB Platinum Credit Card is the highest tier of the PNB credit cards. It offers a higher annual fee, a higher APR, and a more comprehensive rewards program. The card also offers access to exclusive discounts and special offers.
| Key Features | Details |
|---|---|
| Reward Points | 2 reward points for every Rs. 150 spent |
| Airport Lounge Access | Complimentary access to select domestic and international lounges |
| Fuel Surcharge Waiver | Waiver of fuel surcharge up to Rs. 100 per month |
| Annual Fee | Rs. 500 |
| Foreign Transaction Markup Fee | 3.5% |
| Eligibility Criteria | 21 years or above, Indian resident or NRI with a PNB savings or current account |
| Documents Required | ID proof, address proof, income proof |
| Additional Benefits | Travel insurance, lost card liability cover, purchase protection cover, EMV chip and PIN for enhanced security |
PNB Global Classic Card
The PNB Classic Credit Card is the most basic of the PNB credit cards. It offers a low annual fee, no annual percentage rate (APR), and a rewards program that includes cashback and discounts on select purchases. The card also offers access to a variety of discounts and special offers.
| Key Features | Details |
|---|---|
| Reward Points | 1 reward point for every Rs. 100 spent |
| Fuel Surcharge Waiver | Waiver of fuel surcharge up to Rs. 100 per month |
| Foreign Transaction Markup Fee | 3.5% |
| Interest Rate | 3.25% per month |
| Late Payment Fee | Rs. 100 to Rs. 800, depending on the outstanding balance |
| Minimum Repayment Amount | 5% of the outstanding balance, subject to a minimum of Rs. 200 |
| Eligibility Criteria | 21 years or above, Indian resident or NRI with a PNB savings or current account |
| Additional Benefits | Lost card liability cover and purchase protection cover |
PNB Rupay Platinum Card
| Key Features | Details |
|---|---|
| Reward Points | 1 reward point for every Rs. 100 spent |
| Fuel Surcharge Waiver | Waiver of fuel surcharge up to Rs. 100 per month |
| Charges And Fee | No Annual and Joining charges |
| Foreign Transaction Markup Fee | 2% |
| Lounge Access | Complimentary Domestic and International lounge |
| Interest Rate | 2.75% per month |
| Late Payment Fee | Rs. 100 to Rs. 600, depending on the outstanding balance |
PNB Rupay Select Card
| Key Features | Details |
|---|---|
| Reward Points | 2X rewards points on retail merchandise |
| Lounge Access | Complimentary access to select domestic lounges |
| Joining charges | Rs. 500 |
| Annual charges | NIL |
| Interest Rate | 2.75% per month |
| Late Payment Fee | Rs. 100 to Rs. 600, depending on the outstanding balance |
| Overlimit Fee | Rs. 500 |
| Cash Advance Fee | 2.5% of the transaction amount, subject to a minimum of Rs. 300 |
| Minimum Repayment Amount | 5% of the outstanding balance, subject to a minimum of Rs. 200 |
| Eligibility Criteria | 21 years or above, Indian resident with a minimum annual income of Rs. 4 lakhs |
| Documents Required | ID proof, address proof, income proof |
| Additional Benefits | Lost card liability cover, 24/7 concierge services, purchase protection cover, and extended warranty on select purchases |
PNB Rupay Millennial Credit Card
| Key Features | Details |
|---|---|
| Reward Points | 1 reward point for every Rs. 100 spent |
| Discount Offers | Discounts and cashback offers on dining, shopping, and entertainment |
| Annual Fee | Rs. 999 |
| Card Limits | – Min. Rs. 50,000 – Max Rs. 10,00,000 |
| Interest Rate | 2.75% per month |
| Late Payment Fee | Rs. 100 to Rs. 600, depending on the outstanding balance |
| Overlimit Fee | Rs. 500 |
| Gifts And Benefits | – Complimentary Golf and Spa Sessions, Gym Membership, – Domestic and International Lounge Access Program – Premium Health Check Up Package |
| Minimum Repayment Amount | 5% of the outstanding balance, subject to a minimum of Rs. 200 |
The PNB Rakshak RuPay Platinum Card
| Key Features | Details |
|---|---|
| Welcome Gift | 300+ reward points on the first transaction |
| Cashback Offer | Exclusive cash back on utility bills, eateries, restaurants, etc. |
| Insurance Cover | Personal accident insurance cover of Rs. 2 lakhs and purchase protection cover of Rs. 50,000 |
| Annual Fee | No Joining and Annual charges |
| Foreign Transaction Markup Fee | 2% |
| Interest Rate | 2.75% per month |
PNB Mastercard World Card
| Key Features | Details |
|---|---|
| Reward Points | 2 reward points for every Rs. 150 spent |
| Lounge Access | Complimentary access to select airport lounges in India |
| Golf Privileges | Access to select golf courses in India |
| Dining, Shopping, and Entertainment Discounts | Discounts and cashback offers at partner outlets |
| Fuel Surcharge Waiver | Waiver of fuel surcharge up to Rs. 100 per month |
| Annual Fee | Rs. 2,000 |
| Foreign Transaction Markup Fee | 2% + GST |
| Interest Rate | 3.10% per month |
Punjab National Bank Mastercard Titanium Card
The PNB Titanium Credit Card is the top tier of the PNB credit cards. It offers a higher annual fee, a higher APR, and a more comprehensive rewards program. The card also offers access to exclusive discounts and special offers.
| Key Features | Details |
|---|---|
| Reward Points | 1 reward point for every Rs. 150 spent |
| Fuel Surcharge Waiver | Waiver of fuel surcharge up to Rs. 100 per month |
| Foreign Transaction Markup Fee | 3.5% |
| Interest Rate | 3.25% per month |
| Late Payment Fee | Rs. 100 to Rs. 800, depending on the outstanding balance |
| Minimum Repayment Amount | 5% of the outstanding balance, subject to a minimum of Rs. 200 |
| Eligibility Criteria | 21 years or above, Indian resident with a PNB savings or current account |
| Additional Benefits | Lost card liability cover, purchase protection cover, and extended warranty on select purchases |
The Patanjali RuPay Select Card
| Key Features | Details |
|---|---|
| cashback | 5-7% cashback given by Patanjali Ayurved |
| Complimentary Gifts | Complimentary Domestic and international Lounge Program. |
| Fuel Surcharge Waiver | Waiver of fuel surcharge up to Rs. 100 per month |
| Annual Fee | Rs. 500 |
| Foreign Transaction Markup Fee | 1.8% + GST |
| Interest Rate | 2.90% per month |
| Overlimit Fee | Rs. 500 |
| Eligibility Criteria | 21 years or above, Indian resident with a PNB savings or current account |
| Documents Required | ID proof, address proof, income proof |
| Additional Benefits | Complimentary personal accident insurance cover, fraud liability cover, and purchase protection cover |
Rewards and Benefits of PNB Credit Card
| Benefits/Features | Description |
|---|---|
| Bonus Points | it offer bonus points for certain purchases. These bonus points can be used to redeem additional rewards such as discounts on purchases, gift cards, and travel vouchers |
| Cash Back Rewards | PNB cards offer a variety of cash-back rewards. Depending on the card, you can earn up to 5% cash back on select purchases, such as gas, groceries, and dining. |
| Travel Rewards | If you’re a frequent traveler, PNB credit cards offer great travel rewards. With some cards, you can earn up to 3x points on travel purchases, such as airfare, hotels, and car rentals. You can also redeem your points for free flights, hotel stays, and more. |
| Other Benefits | In addition to cash back and travel rewards, PNB credit cards offer a variety of other benefits. Some cards offer 0% introductory APR on purchases and balance transfers, so you can save money on interest charges. |
Eligibility Requirements for PNB Credit Card
First, you must be at least 21 years old. This is the minimum age requirement for most credit cards, and PNB is no exception. You must also be a resident of India. If you are not a resident of India, you not be eligible for PNB Card.
In addition, you must have a good credit history. This means that you have paid your bills on time and have not defaulted on any loans or credit cards. PNB will check your credit history before approving your application.
You must also have a steady source of income. This can be from a job, business, or other sources. PNB will need to verify your income to ensure that you can afford to make the payments on your credit card.
Finally, you must have a valid ID. This can be a passport, driver’s license, or other government-issued ID. PNB will need to verify your identity before approving your application.
Conclusion
In conclusion, PNB Credit Card offer a variety of benefits to suit different needs. From cashback rewards to travel perks, each card offers something unique to help you get the most out of your purchases. With the right card, you can enjoy discounts, rewards, and other exclusive benefits that make your spending more rewarding. Whether you’re looking for a card to help you save money or one that offers great rewards, PNB has the perfect card for you.
HDFC Bank Popular Credit Cards Review
| Credit Cards | Annual Fee | Benefits |
|---|---|---|
| HDFC Freedom Credit Card | ₹500 | Upto 10X CashPoints on your Preferred Stores such as Big Basket, BookMyShow, OYO, Swiggy & Uber |
| Paytm HDFC Bank Credit Card | ₹49/Monthly | 3% cashback on All types of Purchasing by using Paytm |
| HDFC Business Moneyback Credit Card | ₹500 | 5X Reward Points on Petrol & Fuel Purchasing |
| HDFC MoneyBack Credit Card | ₹499 | Earn 4 reward points on every online purchase of more than ₹150 you made |
| HDFC Regalia Credit Card | ₹2,500 | best suitable for individuals who want benefits on international traveling, Online Shopping from India or outside |
| HDFC IndianOil Credit Card | ₹500 | Up to 5% cashback on fuel spends at Indian Oil outlets. |
