PNB
PNB Global Platinum Credit Card
Mid-tier Visa Platinum with global acceptance and travel benefits
₹1,000/yr annual fee · 2x rewards
By FinWiz24 Research Desk · Last reviewed · How we review
FinWiz24 Research Desk
Verified independently against issuer Terms & Conditions
Editorial Team
-
Best for
- Mid-tier Visa user
- Public-sector bank customer
- Traveller
-
What we like
- Domestic lounge access
- Global Visa Platinum acceptance
- Public-sector bank trust
-
Watch out for
- ₹1,000 non-waiver joining fee
- Only 2x base reward rate
- Standard 3.5% forex markup
Annual fee
₹1,000/yr
Reward rate
2x
Min. income
₹4,00,000
Forex markup
3.5%
Lounge access
Domestic only
Eligibility
₹4 lakh/yr · CIBIL 700+
Reward cap
Not explicitly stated
Welcome benefit
₹1,000 voucher on annual spends ≥ ₹1,50,000; ₹2,000 voucher on ≥ ₹3,00,000.
PNB Global Platinum Credit Card review: mid-tier Visa Platinum with global acceptance, complimentary domestic lounge access, fuel surcharge waiver, and milestone vouchers for mid-tier public-sector bank customers.
Who is this for
- Mid-tier Visa user
- Public-sector bank customer
- Traveller
What we like
- Domestic lounge access
- Global Visa Platinum acceptance
- Public-sector bank trust
Watch out for
- ₹1,000 non-waiver joining fee
- Only 2x base reward rate
- Standard 3.5% forex markup
Issuer
PNB is an RBI-regulated entity. See RBI's Master Directions on Credit Cards for the regulatory framework.
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹1,000 | Not waivable |
| Annual fee | ₹1,000 | Waived on annual spends ≥ ₹1,50,000 |
| Renewal fee | ₹1,000 | Waived on annual spends ≥ ₹1,50,000 |
| Forex markup | 3.5% | Not waivable |
| Late payment | ₹1,000 | Not waivable |
| Cash advance | 2.5% of amount | Not waivable |
| Fuel surcharge | 1% | 1% surcharge waived on fuel transactions between ₹400 and ₹4,000 |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 2 Reward Points per ₹100 on retail spend; 1 Reward Point per ₹100 on utility & insurance | Not explicitly stated | Redeemable via PNB rewards portal |
| DINING | 2.00 | — | 0.25 |
| TRAVEL | 2.00 | — | 0.25 |
| SHOPPING | 2.00 | — | 0.25 |
Benefits
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Domestic Lounge Access Highlight
2 complimentary domestic airport lounge visits per quarter.
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Global Visa Platinum Acceptance
Accepted at all Visa merchants worldwide.
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Fuel Surcharge Waiver
1% surcharge waiver on fuel transactions between ₹400 and ₹4,000.
-
Milestone Vouchers
₹1,000 voucher on annual spends ≥ ₹1,50,000; ₹2,000 voucher on ≥ ₹3,00,000.
Eligibility
- Age
- 21–65 years
- Min. income
- ₹4,00,000
- Min. credit score
- 700+
- Score note
- Decent credit card required
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar (DigiLocker sufficient), salary slip / ITR for self-employed
PNB Global Platinum Credit Card is the mid-tier Visa Platinum tier. It targets mid-tier public-sector bank customers with global acceptance and lounge access.
Fees and rewards
- Joining fee: ₹1,000 (non-waiver)
- Annual fee: ₹1,000, waived on annual spends ≥ ₹1,50,000
- Rewards: 2 Reward Points per ₹100 on retail spend
- Forex markup: 3.50%
Benefits
- 2 domestic lounge visits per quarter
- Global Visa Platinum acceptance
- ₹1,000 milestone voucher on ₹1.5 lakh spend; ₹2,000 on ₹3 lakh
- 1% fuel surcharge waiver
Eligibility
Minimum annual income ₹4,00,000 (salaried) / ITR-based for self-employed. Decent credit score required.
Card data is compiled from the issuer’s published fee schedules. Last reviewed 2026-09-26.
Step-by-step application guide: Read the PNB Global Platinum Credit Card apply walkthrough →
Apply for PNB Global Platinum Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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Frequently asked questions
Is the PNB Global Platinum Credit Card worth it?
What is the annual fee for the PNB Global Platinum Credit Card?
How does the PNB Global Platinum Credit Card reward rate work?
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Does the PNB Global Platinum Credit Card offer airport lounge access?
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Disclaimer: Card details are based on publicly available issuer schedule of charges. Eligibility and approval are at the issuer’s sole discretion. FinWiz24 does not guarantee card approval or specific terms. Always read the issuer’s terms and conditions before applying.
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