PNB Visa Gold Credit Card
Punjab National Bank · Open to apply
PNB's Visa Gold card: no joining fee, ₹300 a year (waived for regular users who spend more than their credit limit in a year), 1 reward point per ₹100 (0.25%). No lounge access.
- Annual fee
- ₹300 + GST a year
- Joining fee
- None
- Base rate
- 1 reward point per ₹100: 1 PNB Rewardz points per ₹100 (about 0.25% at cash value)
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Where the sources disagree
- fuel surcharge waiver band: The fuel surcharge waiver page (undated) gives a band of ₹400 to ₹3,000 for Visa Gold; the KFS and MITC of 2 Nov 2026 give ₹400 to ₹4,000 for all cards. We use the KFS and MITC.
- reward point value: The rewards programme page still says 1 reward point is worth ₹0.50 (and gives a 3-year expiry, as the MITC does); PNB's notice effective 1 Sep 2024 and the MITC give ₹0.25. We use ₹0.25, the later notice.
Terms the calculator does not value
- The ₹300 annual fee is waived if the preceding year's spend exceeded the card's credit limit, with a retail transaction in every quarter and no irregularity; the calculator charges it.
- PNB publishes no reward exclusions for this card.
Sources
- PNB VISA Gold Card page (Product page, the bank's own, read 6 Nov 2026)
- PNB Rewardz programme page (Reward terms, the bank's own, read 6 Nov 2026)
- PNB credit card FAQ (PDF of 23 Jul 2024) (FAQ, the bank's own, read 6 Nov 2026)
- PNB Fuel Surcharge Waiver page (Product page, the bank's own, read 6 Nov 2026)