Experience platinum privileges with rewarding benefits
2 Reward Points per ₹150 on retail spends
Annual fee waived on spend exceeding credit limit
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| Benefit | Details |
|---|---|
| Accelerated Rewards | Earn 2 Reward Points for every ₹150 spent on retail transactions, making your everyday purchases more rewarding. |
| Global Acceptance | Accepted at over 29 million Visa merchant outlets worldwide and 1 million Visa ATMs globally, with 3.8 lakh outlets and 30,000 ATMs across India. |
| 24/7 Concierge Services | Access priority concierge assistance for dining reservations, flight/hotel bookings, pre-trip services, emergency medical support, and more. |
| Joining Fee Refund | Get your ₹1,000 joining fee refunded when cumulative purchases (excluding fuel and cash) exceed your credit limit within the first 6 months. |
| Annual Fee Waiver | Annual fee waived when total spends exceed credit limit in previous year, with at least one retail purchase per quarter and good account standing. |
| Entertainment Benefits | Enjoy 20% discount on ZEE5 subscription and exclusive dining offers ranging from 10% to 25% at Sarovar Hotels and Resorts. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | Punjab National Bank |
| Bank / Non-bank | Bank-affiliated |
| Category | Rewards / Lifestyle |
| Type of Card | Visa Platinum Credit Card |
| Free or Paid | ₹500 + GST Annually (waived on qualifying spends) |
The PNB Global Platinum Credit Card is an ideal choice for individuals seeking a versatile credit card with global acceptance and rewarding benefits. Perfect for both new credit card users and experienced cardholders, this Visa Platinum card offers an attractive rewards programme, comprehensive concierge services, and exceptional value for everyday spending. With its affordable fee structure and generous waiver conditions, it's particularly suited for those who prefer a straightforward rewards system combined with premium customer service and worldwide usability.
Global Visa Network: Leverage the power of Visa's extensive global network with acceptance at 29 million merchant establishments worldwide and 1 million Visa ATMs. In India alone, enjoy seamless transactions at over 3.8 lakh merchant outlets and 30,000 ATMs, making this card your perfect companion for both domestic and international travel.
Attractive Rewards Programme: Maximise your earnings with 2 Reward Points for every ₹150 spent on retail transactions—a better rate compared to 2 points per ₹200 on other standard cards. Accumulate points on your everyday purchases and redeem them for exciting products, hotel bookings, mobile recharges, and merchandise through the PNB Rewardz portal.
Welcome Bonus Offer: Register for the E-bill facility and receive 50 bonus Reward Points, giving your rewards journey an immediate boost whilst also helping you manage your credit card statements digitally.
Multipurpose Card: Use your PNB Global Platinum Credit Card for virtually all your financial needs—shopping, dining, travel bookings, railway ticket reservations, utility bill payments, and fuel purchases. It's a comprehensive solution for planned expenses and spontaneous purchases alike.
Premium Concierge Services: Enjoy 24/7 access to dedicated concierge assistance for dining referrals and reservations, flight and hotel bookings, pre-trip passport and visa assistance, occasion bookings, flowers and gifts delivery, and emergency medical support—all available at your fingertips.
Enhanced Security Features: Your card comes equipped with an embedded EMV chip that provides advanced protection against cyber-attacks and fraudulent online transactions. Additionally, benefit from lost card liability protection—simply report any card loss immediately to the 24/7 customer care, and PNB protects you against fraudulent transactions made after reporting.
Fuel Savings: Save on every fuel purchase with a 1% fuel surcharge waiver on transactions between ₹400 and ₹3,000, with maximum savings of up to ₹250 per billing cycle (exclusive of service tax).
Add-on Cards: Extend the benefits of your Platinum card to your family by obtaining up to two complimentary add-on cards for your spouse, parents, or children aged 18 years and above, allowing them to share in the rewards and privileges.
Annual Account Statements: Receive comprehensive yearly account statements that provide easy access to all your credit card transactions, helping you track expenses and manage your finances effectively.
Flexible Payment Options: Enjoy the convenience of multiple payment methods including cash payment, cheque/draft, auto debit, auto pay process, Internet Banking Services (IBS), ECS, NEFT, Visa Money Transfer Facility, and online payment options.
2 Reward Points on Retail Spends
Earn 2 Reward Points for every ₹150 spent on retail transactions using your PNB Global Platinum Credit Card—offering better value compared to standard cards that offer 2 points per ₹200.
This accelerated earning rate applies to all eligible retail purchases including shopping, dining, and general merchandise.
50 Bonus Points on E-bill Registration
Register for the E-bill facility and receive 50 bonus Reward Points credited to your account.
This one-time bonus helps you start accumulating rewards immediately whilst also enjoying the convenience of digital statements.
The Reward Points earned on your card can be redeemed in multiple ways through the PNB Rewardz portal:
Product Redemption
Log in to the PNB Rewardz website to redeem your points against a wide range of products and merchandise.
1 Reward Point = ₹0.25
Minimum 500 Reward Points required for redemption.
Hotel Bookings
Use your accumulated Reward Points to book hotel accommodations through the PNB Rewardz portal.
Enjoy the flexibility of using points for travel-related expenses.
Mobile Recharges
Redeem Reward Points for mobile recharges, making it easy to convert your rewards into everyday utility.
Vouchers and Gift Cards
Choose from various vouchers and gift cards available in the rewards catalogue.
Perfect for gifting or personal use across multiple brands and categories.
3-Year Validity Period
Reward Points remain valid for 3 years from the date they are credited to your account.
Ensure you redeem your points within this period to maximise their value.
Reward Points are not earned on the following transactions:
Fuel purchases
Cash withdrawals from ATMs
Jewellery purchases
Card fees and charges
EMI transactions
Cash advances
24/7 Dedicated Assistance
Contact the concierge desk at 1800-2100-131 anytime to access premium services including:
Dining Services
Restaurant referrals based on your preferences
Table reservations at premium dining establishments
Special occasion bookings for celebrations
Travel Assistance
Flight and hotel booking assistance
Pre-trip passport and visa support
Travel arrangement planning
Personal Services
Flowers and gifts delivery arrangements
Event and show bookings
Occasion planning support
Emergency Services
Emergency roadside assistance
Medical assistance and support
Patient travel arrangements
Emergency medical support coordination
ZEE5 Subscription Discount
Enjoy 20% discount on ZEE5 subscription charges using your PNB Global Platinum Credit Card.
Access premium entertainment content at a reduced cost.
Dining Privileges
Receive discounts ranging from 10% to 25% on dining bills and hotel accommodation at Sarovar Hotels and Resorts.
Perfect for weekend getaways and business travel.
Wellness Offers
Kairali Ayurvedic Group offers PNB Global Platinum Credit Card holders a 10% discount on the Maximum Retail Price (MRP).
Enjoy savings on wellness and ayurvedic treatments.
1% Fuel Savings
Get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹3,000.
Maximum surcharge waiver of up to ₹250 per billing cycle (exclusive of service tax).
Valid at all fuel stations across India.
Joining Fee Refund
The joining fee of ₹1,000 will be refunded by Punjab National Bank if the cumulative value of purchases (excluding fuel and cash withdrawals) exceeds your credit limit within the first 6 months of card issuance.
Annual Fee Waiver Conditions
The annual fee of ₹1,000 is waived from the second year onwards if you meet all three criteria:
Total spends exceed the credit limit in the previous year
At least one retail purchase transaction made in each quarter
Card account maintains good track record (no payment defaults)
Complimentary Add-on Cards
Obtain up to two add-on cards at no additional cost for eligible family members.
Up to 50 Days Interest-Free
Enjoy up to 20-50 days of interest-free credit period on retail purchases.
Interest-free period is applicable only if the previous month's balance has been cleared in full.
Note: Interest-free grace period is not applicable on cash withdrawals from ATMs.
EMV Chip Technology
Your card is equipped with an embedded microchip that provides enhanced security for online transactions and protects against cyber-attacks.
Lost Card Liability Protection
Immediately report any card loss to the 24/7 PNB credit card customer care.
Punjab National Bank provides lost card liability protection against all fraudulent transactions occurring after you report the loss.
Toll-free helpline: 1800-180-2345
Tolled number: 0120-4616200
Family Convenience
Cardholders can obtain up to two add-on cards for their spouse, parents, and children over the age of 18 years.
Add-on cardholders enjoy the same benefits and privileges as the primary cardholder.
No annual fee charged for add-on cards.
Convenient Bill Payment
PNB Global Platinum Credit Card holders can easily pay mobile/telephone bills and electricity bills through the Visa Bill Pay website.
Manage all your utility payments from a single platform.
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹500 + GST | One-time charge when card is issued. Refunded if cumulative purchases (excluding fuel & cash) exceed credit limit within first 6 months. |
| Annual Fee | ₹500 + GST | Charged from second year onwards. Waived if total spends exceed credit limit in previous year, with at least one retail purchase per quarter and good account track record. |
| Interest Rate (APR) | 2.95% per month (35.4% annually) | Applicable on outstanding balances and revolving credit. |
| Add-on Card Fee | Free | No charges for up to 2 add-on cards for eligible family members. |
| Cash Advance Fee | 2% of cash withdrawn or ₹50 (whichever is higher) | Applicable on cash withdrawals at PNB ATMs. |
| Cash Advance Interest | 2.45% per month | Finance charges on cash withdrawn/amount overdue. |
| Foreign Currency Markup | 3.5% + applicable taxes | Charged on all international transactions. |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹3,000 transactions | Maximum ₹250 per billing cycle (exclusive of service tax). |
| Balance Transfer Processing Fee | 1% of transfer amount or ₹199 (whichever is higher) | Applicable when transferring balance from another card. |
| Balance Transfer Interest | 18% per annum (1.5% per month) | Finance charges on balance transfer amount. |
| EMI Processing Fee | 2% of transaction amount (minimum ₹100) | For converting purchases to EMI. |
| EMI Interest Rates | 3, 6, 9 & 12 months @ 12% p.a.; 18, 24 months @ 14% p.a. | Varies by tenure selected. |
| Late Payment Charges | As per bank policy | Charged when minimum amount due is not paid by due date. |
| Overlimit Fee | As per bank policy | Applicable when spending exceeds credit limit. |
| Card Replacement Fee | As per bank policy | Charged for damaged or lost card replacement. |
| PIN Regeneration Fee | ₹50 to ₹100 | Fee for PIN replacement/regeneration. |
| Payment Return Charges | As per bank policy | Applicable when payment is dishonoured. |
| Duplicate Statement Fee | As per bank policy | Charged for requesting physical duplicate statements. |
| Criteria | Details |
|---|---|
Age | Primary cardholder: 21 to 70 years; Add-on cardholder: 18 to 65 years; Card against Fixed Deposit: 18 years minimum |
Citizenship | Must be a Resident of India |
Educational Qualification | Minimum 10th Standard (Passed) |
Employment Status | Salaried or self-employed with stable source of income |
Minimum Annual Income | ₹2.5 lakh per annum (may vary based on bank assessment) |
Credit Score | Good CIBIL score recommended (ideally 700+) |
Financial Literacy | Applicant must be literate with independent financial source |
| Document Type | Details |
|---|---|
| Identity Proof | Any one of the following: PAN Card (mandatory), Aadhaar Card, Passport, Driving Licence, Voter ID Card |
| Address/Residence Proof | Any one of the following: Aadhaar Card, Passport, Driving Licence, Voter ID Card, Utility Bill (electricity/telephone), Bank Statement |
| Income Proof | Latest salary slip / Bank statement / Form 16 / Acknowledged IT returns statement / Salary certificate |
| PAN Card | Mandatory for credit card issuance. If PAN Card is not available, Form 60-61 with photo ID proof must be submitted. |
| Photograph | Recent passport-size photographs |
| KYC Documents | Valid Know Your Customer (KYC) documents as per RBI guidelines |
| Email ID | Valid email address for communication |
Step 1: Click on Apply Now - Hit the 'Apply Now' button to start your application.
Step 2: Fill in Your Details - Enter your personal information, including name, date of birth, contact details, employment information, and financial details in the application form.
Step 3: Upload Required Documents - Upload scanned copies of your PAN Card, Aadhaar/Address Proof, Income Proof, and a recent photograph.
Step 4: Submit Your Application - Carefully review all the details you've entered for accuracy and click the Submit button.
Step 5: Approval & Card Delivery - Once your application is approved after verification, your PNB Global Platinum Credit Card will be dispatched to your registered address within 7-10 working days.
| Usage Tips | Details |
|---|---|
Set Up Your PIN | Call PNB customer care to set up your credit card PIN before making your first transaction. This is mandatory for both ATM and point-of-sale purchases. |
Register for E-bill | Sign up for the E-bill facility to earn 50 bonus Reward Points and enjoy the convenience of digital statements. Access statements anytime through the PNB portal. |
Maximise Retail Rewards | Use the card for all retail purchases to earn 2 Reward Points per ₹150 spent. Focus on shopping, dining, and general merchandise to accumulate points faster. |
Track Your Rewards | Regularly check your Reward Points balance through the PNB Rewardz website. Plan your redemptions to get maximum value from accumulated points. |
Utilise Concierge Services | Don't hesitate to call the 24/7 concierge desk at 1800-2100-131 for dining reservations, travel bookings, or emergency assistance. These premium services are included with your card. |
Fuel Savings | When refuelling, ensure transactions are between ₹400 and ₹3,000 to maximise the 1% fuel surcharge waiver benefit. |
Pay Bills Online | Use the Visa Bill Pay website to conveniently pay your mobile, telephone, and electricity bills using your credit card. |
Maintain Fee Waiver | To qualify for annual fee waiver, ensure your total annual spends exceed your credit limit, make at least one retail purchase per quarter, and maintain a good payment record. |
Clear Full Balance | Pay your full outstanding balance by the due date to enjoy the interest-free credit period of up to 50 days and avoid finance charges. |
Monitor Statements | Review your monthly and annual account statements carefully to track expenses, identify spending patterns, and ensure all transactions are legitimate. |
Use Add-on Cards Wisely | If you've issued add-on cards for family members, monitor their usage to ensure spending stays within your credit limit. |
Redeem Points Before Expiry | Remember that Reward Points expire after 3 years. Plan redemptions periodically to avoid losing accumulated points. |
Leverage Entertainment Benefits | Use your card to subscribe to ZEE5 at a 20% discount and enjoy dining privileges at Sarovar Hotels and Resorts. |
Report Lost Cards Immediately | If your card is lost or stolen, immediately call the 24/7 helpline at 1800-180-2345 to block the card and protect against fraudulent transactions. |
Avoid Cash Withdrawals | Minimise ATM cash advances as they attract immediate interest charges (2.45% per month) with no interest-free period and incur cash advance fees. |
The PNB Global Platinum Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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