PNB Visa Signature Credit Card
Punjab National Bank · Open to apply
PNB's top regular Visa card: ₹1,500 to join and ₹2,000 a year (waived on ₹3 lakh spend), 2 reward points per ₹100 (₹0.25 a point, so 0.5%), Visa concierge. No lounge access.
- Annual fee
- ₹2,000 + GST a year
- Joining fee
- ₹1,500 + GST
- Fee waiver
- Annual fee waived on ₹3,00,000 spend a calendar year
- Base rate
- 2 reward points per ₹100: 2 PNB Rewardz points per ₹100 (about 0.5% at cash value)
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Where the sources disagree
- annual fee waiver year: The card page counts the ₹3 lakh waiver spend in the previous financial year; the MITC says all waivers are calculated on the calendar year. We use the calendar year.
- fuel surcharge waiver band: The fuel surcharge waiver page (undated) gives ₹500 to ₹4,000 for Visa Signature; 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
- PNB publishes no reward exclusions for this card.
Sources
- PNB VISA Signature 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)