No joining fee.
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PNB VISA Gold Card
Rewards & Benefits
Welcome Benefits
No joining fee.
Milestone Benefits
Cashback Rate
The user will get 1 reward point for every Rs. 100 spent.
The value of 1RP= Rs. 0.50. Effective cashback rate: 0.5%.
Movie Benefits
Dining Benefits
Other Benefits
Global acceptance: The PNB VISA Gold Card is accepted at over 29 million merchant establishments and over 1 million VISA ATMs around the world. Comprehensive insurance coverage: A comprehensive insurance coverage, including purchase protection, travel insurance, and lost card liability protection. 24/7 concierge services: Customers can get up to 2 add-on cards for their spouse, parents, son and/or daughter (over 18 years) allowing them to enjoy the benefits of the PNB Global Credit Card.
Lounge Access
Rewards & Benefits
Welcome Benefits
No joining fee.
Milestone Benefits
Cashback Rate
The user will get 1 reward point for every Rs. 100 spent.
The value of 1RP= Rs. 0.50. Effective cashback rate: 0.5%.
Movie Benefits
Dining Benefits
Other Benefits
Global acceptance: The PNB VISA Gold Card is accepted at over 29 million merchant establishments and over 1 million VISA ATMs around the world. Comprehensive insurance coverage: A comprehensive insurance coverage, including purchase protection, travel insurance, and lost card liability protection. 24/7 concierge services: Customers can get up to 2 add-on cards for their spouse, parents, son and/or daughter (over 18 years) allowing them to enjoy the benefits of the PNB Global Credit Card.
Lounge Access
Fees & Charges of
PNB VISA Gold Card
Joining Fee
Nil
Annual Fee
Nil
Cash Advance Fee
Cash advance fee: 2.5% or a minimum of Rs.500.
Interest rate
Interest Rates: 2.45 percent every month
Late Payment Fee
Late payment fee- 30% of the minimum amount due or a minimum of Rs.500 / billing cycle.
Foreign Currency Transactions Fee
Foreign Currency Transactions Fees: 3.5%.
Other Fees
Reward Redemption Fees: NIL
Joining Fee
Nil
Annual Fee
Nil
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest Rates: 2.45 percent every month
Late Payment Fee
Late payment fee- 30% of the minimum amount due or a minimum of Rs.500 / billing cycle.
Foreign Currency Transactions Fee
Foreign Currency Transactions Fees: 3.5%.
Other Fees
Reward Redemption Fees: NIL
Fee and Charges of
PNB VISA Gold Card
Special Features
Age: The primary cardholder must be between 21 and 65 years of age.
Educational qualification: The applicant must have passed the 10th standard (passed).
Income: The applicant must have a minimum annual income of INR2 lakhs.
Cibil score: A credit score of 750+ is considered good to apply for this credit card.
Employment: The applicant must be employed or self-employed.
Eligibility Criteria
Customers can get up to 2 add-on cards for their spouse, parents, son and/or daughter (over 18 years) and allow them to enjoy the many benefits of the PNB Global Credit Card.
Speical Feature, Eligibility and Benefits of
PNB VISA Gold Card
How to apply for Credit Card?
Online Go to the PNB Credit Card website and click on the "Apply Now" button.
Select the "PNB Global Gold Credit Card" option.
Fill in the online application form.
You will need to provide your personal information, income details, and employment information.
Upload the required documents, such as your PAN card, Aadhaar card, and income proof.
Submit the application form.
Required documents PAN card Aadhaar card Income proof (salary slip, income tax return, etc.) Proof of identity (address proof) Once you have submitted your application form, it will take 7-10 working days for PNB to process your application and issue you a credit card.
Contact Details
Toll Free No. 1800 1800 1800 2021 1800 180 2222 1800 103 2222
Tolled No. 0120-2490000 Landline :011-28044907
care[at]pnb[dot]co[dot]in
Account Opening and Procedure of
PNB VISA Gold Card
Find Offers on Your Credit Card
Find Offers on Your Credit Card
The PNB Visa Gold Card offers decent benefits like reward points, fuel surcharge waiver, and airport lounge access. However, the low reward rate, high annual fee, and limited partner benefits might make it less attractive compared to other options. If you're a frequent fuel spender and occasionally utilize airport lounges, it could be a decent choice. However, for maximizing rewards or seeking broader benefits, exploring other gold cards might be wiser.
The PNB Visa Gold Card offers decent benefits like reward points, fuel surcharge waiver, and airport lounge access. However, the low reward rate, high annual fee, and limited partner benefits might make it less attractive compared to other options. If you're a frequent fuel spender and occasionally utilize airport lounges, it could be a decent choice. However, for maximizing rewards or seeking broader benefits, exploring other gold cards might be wiser.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai