PNB Global Platinum Credit Card Review

Punjab National Bank is a nationalized Indian Bank that has many branches all around the world. It offers various types of credit cards for its customers for their daily uses. And The PNB Global Platinum Credit Card is one of them. It will be a good choice for the customers as it will give you rewards for your spending. It has so many benefits such as annual fees waiver, joining fees waiver, dining offers, wellness offers, concierge services, security in online transactions, insurance services, etc. Let’s know more about it-

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 65 yrs.  
    • Income: The bank will let you know at the time of application.  
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: The bank will let you know at the time of application.
  • Good CIBIL Score (750 or more).
  • The applicant must be 10th passed or more.
  • Good relation with bank.

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: ₹500 + GST (Not applicable if the card is taken against fixed deposit) 
  • Annual Fee: ₹500 + GST (Not applicable if the card is taken against fixed deposit)


  • Reward benefit:

If you spend ₹100 from your PNB Global Platinum Credit Card you will get 1 reward point.

And if you spend ₹150 on your Platinum Card you will get 2 reward points.

These reward points are redeemable. You can redeem these reward points through cash credit or gift.

  • Dining:

This card offers a 10% to 20% discount on your dining bills at some premium hotels and restaurants. 

  • Lost card liability:

If you report the loss of your credit card PNB will provide you a lost card liability protection. That covers you against any fraud transaction that happens after reporting the loss.  

  • Milestone benefit:

You can get a 100% waiver on your annual fee. If you can spend more than your total credit limit, you have a good credit history, and if you can make a transaction once in a quarter, you will be eligible for this offer. 

You can also get a 100% waiver on the joining fee just by spending more than your total credit limit within 6 months.  

  •  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. 

  • Wellness offers:

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

  • Easy bill payment:

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.

  • Concierge Services:

You will get 24×7 concierge services with this card. With this facility, you can get pre-trip assistance, flight booking, hotel reservation, dining reservation, sports, and entertainment booking, ordering flowers and gifts, etc. 

  • Global acceptance:

You can use your card at more than 3.80 lakhs merchants’ outlets, more than 30K ATMs in India. You can use it at 29 million outlets and 1 million Visa ATMs around the world.

  • EMV Chip Card:

This card comes with a built-in EMV Chip. It adds more security and convenience to your transactions.


  • Cash Withdrawal Charge: 2% against the amount. 
  • Finance Charge: 2.45% monthly and 1.5% monthly for the cards issued against fixed deposit. 

Contact Details:

Call: 1800-180-2345 


100xGain Ratings:


Final Opinion:

If you need a credit card with low fees and low charges, and with so many features and benefits you can use The PNB Global Platinum credit card. It will help you to save money with its world-class facilities.

But this card does not feature benefits on shopping or traveling, so if you are looking for a credit card that can earn you big shopping benefits, then you can go for American Express Smart Earn Credit Card. And if you want benefits on travel then you can go for ICICI Bank MakeMyTrip Platinum Credit Card.   

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