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PNB VISA Gold Card

उत्पाद विवरण
क्रेडिट कार्ड का नाम

PNB VISA Gold Card

Bank Name :

Punjab National Bank

प्रकार

Regular Credit Card

ब्याज दर

Rate of Interest is 2.45 percent every month

पात्रता

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.

PNB VISA Gold Card
पेशेवरों
  • No joining fee. 

  • Easily redeemable Reward Points. 

  • 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. 

  • Accepted at over 3,80,000 merchant establishments & over 30,000 VISA ATMs across India and at over 29 million merchant establishments and over 1 million VISA ATMs around the world. 

  • Utility Bill Payment facility cardholders avail a discount of 10 to 25 percent on hotel rooms and food and Beverages at Sarovar Hotels.

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

  • Limited features and offers available. 

  • No domestic or international lounge access facility is available. 

  • No cashback offers available.

पक्ष विपक्ष
Welcome Benefits
N/a
पुरस्कार प्रणाली
  • For every Rs. 100 you spend, you earn 1 reward points 

  • 1RP= Rs. 0.50.

  • Effective Cashback Rate: 0.5%

अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
3.5% on all international transactions
स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण

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. 

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.

फ़ायदे


  • Global acceptance: Your PNB VISA Gold Card is accepted at over 29 million merchant establishments and over 1 million VISA ATMs around the world. 

  • Comprehensive insurance coverage: Get comprehensive insurance coverage, including purchase protection, travel insurance, and lost card liability protection. 24/7 concierge services: 

  • Enjoy 24/7 concierge services to help you with everything from booking travel arrangements to making restaurant reservations. 

  • Exclusive merchant offers: Get exclusive discounts and offers at a variety of merchants, including restaurants, hotels, and airlines. 

विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
  • 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.

सम्पर्क करने का विवरण

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

खाता खोलने की प्रक्रिया और प्रक्रिया
PNB VISA Gold 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.

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

उत्पाद समीक्षा

विशेष विशेषता, पात्रता और लाभ
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फीस एवं प्रभार
  • Joining Fee- Nil 

  • Annual Fee- Nil 

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

  • Interest Rates: 2.45 percent every 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

ईंधन अधिशुक्ल
Min. Rs.10 or 1% on transaction >Rs.400 &
Billing Cycle

30 Days

फीस एवं प्रभार
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