PNB Global Gold Credit Card Review

Those who are new to the credit card market will find the PNB Global Gold Credit Card quite helpful, mostly because of its low-interest rate, and minimal annual fee. It also features a number of useful facilities which include assured pnb credit card reward points with every transaction, complimentary lost card liability coverage, and lots more. More about the pnb credit card benefits are discussed below.

Who can apply for the pnb global credit card?

  • Resident Type: Indian. 
  • Punjab national bank credit card eligibility criteria for salaried person:
    • PNB credit card age limit: 21 to 65 yrs.  
    • Income: Rs.2.50 lakh annually. 
  • PNB credit card eligibility criteria for self-employed person:
    • PNB credit card age limit: 21 to 65 yrs. 
    • Income: Rs.2 lakh annually. 
  • A CIBIL score of 680+ is needed to apply for this card.

You can apply for this card from the pnb credit card apply online portal, if you are confused with the pnb credit card 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
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recently audited financial report.

What are the pnb global credit card fees?

  • PNB credit card joining fee: None.
  • PNB credit card annual fee: Rs.300 + GST

What are the pnb global credit card benefits?

  • Make every transaction rewarding:

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

  • Complimentary lost card liability coverage:

This PNB global 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 toll-free number, 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 online 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 global 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.

  • The perfect travel companion for you:

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

What are the punjab national bank credit card charges?


Chargeable amount

Punjab national bank atm withdrawal charges

2% against the withdrawn amount min, Rs.150 (domestic) or Rs.300(international) (check your pnb global gold credit card limit before making a withdrawal)

PNB cards finance charge

2.95% monthly (applicable if your pnb card payment is not made in time)

PNB international credit card transaction charge

3.5% against the transaction amount

Add-on card fee

None (for up to 2 add-on cards)

How to contact the punjab national bank card helpline department?

  • Call the pnb credit card helpline number: 1800-180-2345(Toll-Free) or 1800-102-1235 (Toll-Free) or 1800-180-1235 (Toll-Free) 
  • Write to the punjab national bank email id: 

100xGain Ratings:


Pros and cons of the PNB Global Gold Card:



  • This pnb credit card offers assured rewards with every transaction.
  • The annual fee of this card is quite low.
  • There are no dining or entertainment benefits on this pnb visa card.

Final Opinion:

Those who are about to get their very first credit card will find this PNB gold card quite helpful. It features useful pnb credit card rewards with every transaction, a very low annual fee, and a minimum interest rate against revolving credit, which makes this card extremely useful for beginners.

But if you want to earn benefits from your credit card, then I am sure you will be disappointed with this panjab nationl bank card. In this case, I would suggest you take a look at our best credit cards page, it will help you in finding your choice.

Alternative cards: 

  1. Axis Bank Magnus Credit Card (Best for lifestyle benefits)
  2. Kotak Mahindra Feast Gold Credit Card (Best for dining benefits)
  3. PNB Global Classic Credit Card (Best for beginners) 

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