PNB Global Classic Credit Card Review

The pnb global classic credit card would be a great choice for the Indians who are about to get their very first credit card. While this card does not feature benefits like free lounge access or excellent cashback on credit card usage, it offers some useful facilities like useful pnb credit card rewards with every transaction, complimentary lost card liability coverage, and zero annual/renewal fee facility which makes this card useful for beginners.

Who can apply for the PNB global visa credit card?

  • Resident Type: Indian. 
  • PNB credit card eligibility criteria for salaried person:
    • Age: 21 to 65 yrs.  
    • Income: Rs.1 lakh annually. 
  • PNB credit card eligibility criteria for self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: Rs. 3 lakh annually. 
  • A  CIBIL score of 680+ is needed to apply for this card.

You can apply for this global card from the pnb credit card apply online portal, if you are confused with the pnb application process then you can get some help from our faq page.

What documents are required to apply for a pnb credit card?

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip, (3 months) 
      • ITR (Income Tax Return) 
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recently audited financial report.

As per the new rules, all new PNB global cards are now delivered in an inactive state. So, if you want to know about the pnb credit card activation process, then you can get some help from our faq page.

What are the pnb global credit card fees?

  • PNB credit card joining fee: None. 
  • PNB credit card annual fee: None.

What are the pnb credit card benefits?

  • Make every transaction rewarding:

With every Rs.100 transaction made using this pnb global credit card, you can earn 1 reward point.

  • Complimentary lost card liability coverage:

This pnb visa card features complimentary lost card liability coverage. So, if your card ever gets lost or stolen, then you just have to report it by calling the pnb credit card customer care department, and you will no longer be liable for anything wrong that may happen to your pnb account.

  • Instant pnb credit card payment options:

You can make your pnb credit card payment online from your PNB net banking account or by using any credit card payment app like Cred, Paytm, PhonePe, Google Pe, etc.

  • Enjoy the convenience of contactless technology:

This pnb classic credit card is equipped with an advanced contactless payment facility, it allows you to make payments just by placing your card over any contactless-enabled POS machine.

  • Global acceptance:

This pnb global credit card works on the Visa platform, which makes it usable at over 10 million+ outlets across the globe.

What are the pnb credit card charges?


Chargeable amount

PNB cash withdrawal charges

2% against the withdrawn amount min, Rs.150 (domestic) or Rs.300(international) (Check your pnb global classic credit card limit before making a withdrawal)

PNB card finance charge

The pnb credit card interest rate can go up to 2.95% monthly (applicable if your pnb credit card payment is not made in time)

PNB international transaction charge

3.5% against the transaction amount

Add-on card fee

None (for up to 2 add-on pnb cards)

How to contact the pnb credit card customer service department?

  • Call the pnb credit card customer care toll-free no: 1800-180-2345(Toll-Free) or 1800-102-1235 (Toll-Free) or 1800-180-1235 (Toll-Free) 
  • Write to the pnb credit card complaint mail id: 

100xGain Ratings:


Pros and cons of the pnb global classic credit card:



  • You can earn assured pnb credit card reward points with every transaction.
  • It is a lifetime free credit card.
  • There are no dining or entertainment benefits on this PNB global card.
  • You will not get any shopping benefits from this pnb global credit card.

Final Opinion:

Those who are new in the credit card market and are looking for a low-cost credit card just to gain some experience would find the pnb global classic credit card helpful. It lets you earn assured pnb rewards points with every transaction, enjoy liability coverage against lost or stolen cards, and lots more. 

But if you want to earn benefits from your card, then you will definitely be disappointed with this card. In this case, I would suggest you take a look at our best beginners cards page.

Alternative cards: 

  1. Axis Bank Magnus Credit Card (Best for lifestyle benefits)
  2. PNB Global Gold Credit card (Best for hotel booking benefits)
  3. Yatra SBI Card (Best for reward and travel benefits) 

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