PNB Global Platinum Credit Card Review

If you are new in the credit card market, and are looking for an entry-level credit card, to begin with, then the PNB Global platinum credit card would be a great choice for you. It lets you enjoy assured rewards with every transaction, a complimentary concierge facility, low interest against revolving credit, and lots more. More about the pnb credit card benefits are discussed below.

Who can apply for a punjab national bank 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.1 lakh annually. 
  • A CIBIL score of 680+ is needed to apply for this pnb platinum credit card.

You can apply for this card from the pnb credit card apply online portal. If you are unfamiliar 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) 
    • 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.

What are the PNB Global platinum card fees:

  • PNB credit card joining fee: Rs.500 + GST (none, if you get this pnb credit card against fd
  • PNB credit card annual fee: Rs.500 + GST (none, if you get this credit card on fd)

What are the pnb platinum credit card benefits:

  • Make every transaction rewarding:

For every Rs.150 transaction made using this card, you can earn 2 pnb credit card rewards

  • Lifetime free add-on cards for your family:

PNB allows you to share your pnb credit card benefits with your loved ones, just add them to your pnb bank credit card as add-on members and they can also enjoy the benefits of having a credit card.

  • Instant pnb credit card payment options:

You can pay pnb credit card bill online from your pnb netbankinig account or by using a credit card payment app like Cred, Paytm, PhonePe, Google Pe, etc.

  • Enjoy assistance from a multilingual concierge team:

This pnb bank credit card comes with a multilingual concierge team, they can assist you with travel booking, gift delivery, emergency roadside assistance, etc.

  • Enjoy the convenience of contactless technology:

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

  • Your perfect travel companion:

This global 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 credit card atm withdrawal charge 2% against the withdrawn amount min, Rs.150 (domestic) or Rs.300(international) (check your pnb global platinum credit card limit before making a withdrawal)
Punjab national credit card finance charge The pnb credit card interest rate can go up to 2.95% monthly (applicable if your pnb credit card balance is not cleared in time)
PNB credit card international transaction charges 3.5% against the transaction amount
Add-on card fee Rs.500 (as one-time joining fee for each add on credit cards)

How to contact the pnb credit card helpline department?

  • Call the pnb credit card 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:



  • This pnb credit card offers reward points with every transaction.
  • This pnb card features a quite low-interest rate.
  • There are no dining or entertainment benefits on this pnb global credit card.

Final Opinion:

Those who are new in the credit card market would find this PNB Global Platinum credit card quite helpful, especially because of its simplicity and lower interest rates. 

But in terms of benefits, there is nothing to mention about this card. This card offers pnb credit card reward points with every transaction and this is the only type of benefit you can get from this card. So, if you want to earn benefits from this card, then make sure to visit our best beginners cards page.

Alternative cards:

  1. Axis Bank Pride Platinum Credit Card (Best for reward and dining benefits) 
  2. Axis Bank Insta Easy Credit Card (Best for reward and dining benefits)
  3. Kotak Mahindra Privy League Signature Credit Card (Best reward lounge and dining benefits)
  4. SBI Elite Credit Card (Best for reward and lounge benefits) 

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