PNB Visa Platinum Credit Card

Punjab National Bank · Open to apply

PNB's Visa Platinum card: no joining fee, ₹500 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
₹500 + 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

  • earn rate: The card page says 1 point per ₹100; the rewards programme page, which still gives the pre-2024 point value of ₹0.50, says 2 points per ₹150 for Visa Platinum (BINs 4629947 and 4629941). We use the card page.
  • fuel surcharge waiver band: The fuel surcharge waiver page (undated) gives ₹500 to ₹4,000 for Visa Platinum; the KFS and MITC of 2 Nov 2026 give more than ₹400 and less than ₹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 ₹500 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

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