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The PNB Global Platinum Credit Card

Product Details
Credit Card Name : 

The PNB Global Platinum Credit Card

Bank Name :

Punjab National Bank

Type :

Regular Credit Card

Interest Rate : 

Rate of Interest is 2.95% p.m. (i.e.35.89% annualized)

Eligibility :

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.

The PNB Global Platinum Credit Card
Pros


  • Card provides Travel- airline and hotel bookings, Pre-trip- passport and visa assistance; Flower & gift booking and delivery assistance. 

  • Emergency services viz. medical support, emergency road side assistance and patient travel arrangements etc. 

  • Additional incentives in the shape of various mercantile offers. 

  • Worldwide acceptance. 

  • PNB provides lost card liability protection for all kinds of fraudulent transactions after that. 

  • Cardholders can get discounts ranging from 10% to 25% on dining bills and hotel accommodation at Sarovar hotels and Resorts. 

Cons
  • No welcome benefit is provided to the new users. 

  • Limited features and offers are available. 

  • No domestic or international lounge access facility was available.

Pros & Cons
Welcome Benefits
N/a
Rewards System
  • Customers can earn 1 rewards point for every Rs 100 spent using the PNB Global Platinum Credit Card. 

  • Retail transactions get customers 2 rewards points for every Rs 150 spent using the Platinum card. 

  • 1RP= Rs. 0.50.

  • Effective Cashback Rate: 1.5%

International Forex Markup
3.5% on all foreign currency transactions
Welcome Benefits and Reward System
Special Features
None
Eligibility Criteria

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.

Benefits
  • Global Acceptance: Premium credit cards are often accepted worldwide, allowing you to use your card for international travel and online purchases. 

  • Reward Points: These cards often come with a rewards program where you earn points for every purchase. These points can be redeemed for various rewards, such as cashback, gift vouchers, or merchandise. 

  • Travel Benefits: Premium credit cards may offer travel-related perks, such as travel insurance coverage, and discounts on hotels and airlines. 

  • Dining and Entertainment Offers: Some cards provide discounts or special offers at select restaurants, cinemas, and entertainment venues. 

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?

1. Visit the official PNB website to see if they offer an online application process. 

2. If applying online, fill out the credit card application form with accurate information. If applying in person, you will receive a physical application form to complete. 

3. Attach the required documents to your application form. 

4. Double-check all the information provided on the application form and the attached documents. Ensure that you've filled out all the required fields accurately. 

5. After submitting your application, PNB will review your application and documents. They may contact you for any additional information or clarification if needed. 

6. If your application is approved, you will receive your PNB Global Platinum Credit Card at the address you provided in the application.

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
The PNB Global Platinum Credit Card

The PNB Global Platinum Credit Card is an affordable credit card that can be an excellent choice for those who are going to start their credit journey or who want to save more through a credit card. The card earns you Reward Points for almost all your spending, which are redeemable against various products and categories. In short, you can use 1000 RPs for shopping worth Rs. 500. Apart from, Reward Points, there are several more benefits of the card, including the fuel surcharge waiver & the renewal fee waiver, etc. If you want a basic credit card with great saving opportunities, you can go for the PNB Global Platinum Credit Card.

Abhijeet Saxena

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

Product Review
Fees & Charges
  • Joining Fee-INR 500, 

  • Annual Fee- INR 500 

  • Cash advance fee: 2.5% or a minimum of Rs.500. 

  • Interest Rates: 2.95% per month 

  • Late payment fee- 30% of the minimum amount due or a minimum of Rs.500 / billing cycle. 

  • Foreign Currency Transactions Fees: 3.5%. 

  • Reward Redemption Fees: NIL

Fuel Surcharge
Min. Rs.10 or 1% on transaction > Rs.500 &
Billing Cycle

30 days

Fees & Charges
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