PNB Global Classic Credit Card Review

The Punjab National Bank offers a few credit cards for their customers and The PNB Global Classic Credit Card is one of them.  This card is specially designed for those who want a low-cost credit card for daily use. This card has some excellent features such as reward points, utility bill payments, hotel benefits, benefits on ayurvedic products, worldwide acceptance, fuel surcharge waiver, balance transfer facility, EMI facility, etc. Let’s discuss this card in detail.  

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 65 yrs.  
    • Income: ₹1 lakh annually. 
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: ₹1 lakh annually. 
  • Good CIBIL Score (750 or more).
  • The applicant must be 10th passed or more.

 Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • 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
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recently audited financial report. 


  • Joining Fee: None. 
  • Annual Fee: None. 


  • Reward benefit:

If you spend ₹100 on your PNB Global Classic Credit Card you will get 2 reward points.

These reward points are redeemable. You can redeem these reward points through cash or awesome gifts from the reward catalog. To redeem those reward points you have to accumulate a minimum of 500 points.

  • Hotel Booking:

With this card, you will get a 10% to 25% discount on foods and beverages at Sarovar Hotels.

  • Fuel surcharge waiver:

You will get freedom from a 1% fuel surcharge if you spend at any petrol pump in India. To get this offer you have to transact between ₹400 to ₹3000. Depending upon your spending the fuel surcharge may vary.

  • Lost card liability:

If you lost your card you have to report to the customer care center. PNB will provide you a lost card liability protection if any transaction occurred after the loss of the card.

  • Add-on facility:

You can share the awesome features of your cards with your loved ones. Just add your loved ones, (min age – 18+) with your card and they can also the features of a credit card. You can add 2 of your family members at the max.

  • Benefits of Ayurvedic Products: 

This card offers 10% off on Kairali Ayurvedic Group products.

  • Utility Bill Payments:

With this card you can pay your electricity bill, mobile bill, water bills, telephone bills more easily through Visa bill pay. 

  • Balance transfer:

You can transfer the balance of your other cards to this card to get a lower interest rate. 

  • EMI Facility:

With this card, you can convert any transaction over ₹2500 into easy monthly EMIs within 10 days of the purchase. This feature is very helpful for frequent shoppers.  

  • Interest-free period:

You will be able to get 20 days-50 days of the interest-free period. To get this offer you have to pay the outstanding fee of the card on time.

  • Security:

The card has PNB IVR 3D secure service. It will provide security on IVR transactions.

  • Online services:

You will be able to pay your bill through- cheque or draft, PNB ATMs, NEFT, Auto Debit, Internet Banking, Electronic Clearing services, Visa Money Transfer, Bill Desk online payments, etc.

  • Photo Card:

You can print your photos on the card which will help you to get better security and easy recognition at merchants’ outlets.

  • Railway ticket booking:

If you choose this card you will get a 2.5% discount on railway ticket booking from railway counters, and if you book your tickets from the IRCTC website you will get a 1.8% discount.

  • Global acceptance:

You can use your card at all merchants’ outlets, and all ATMs all around the world. You can use it for payment at outlets that accepts Visa cards.


  • Cash Withdrawal Charge: 2% against the amount, min ₹50. 
  • Finance Charge: 2.45% monthly. 

Contact Details:

Call: 1800-180-2345 


100xGain Ratings:


Final Opinion:

If you want a low-cost credit card for your daily use then this card can be a good option for you. This card offers reward benefits, benefits on hotel booking, fuel surcharge waiver, lost card liability, EMI option, Balance transfer facility, discount on ayurvedic products, etc. All these benefits and features can make your life much easier. 

But if you want to spend some more to have some extra benefits then you can go for IndusInd Bank PAYBACK Credit Card, or if you want to spend even more then you can go for SBI Prime Card.

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