PNB Global Gold Credit Card (Visa) by Punjab National Bank

Quick answer

PNB Global Gold Credit Card (Visa) at a glance: The PNB Global Gold Credit Card (Visa) from Punjab National Bank is an entry-level credit card aimed at everyday spenders, offering 1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in) rewards and ₹300 annual fee (waivable on minimum spend). Eligibility floor: minimum income ₹3,50,000 per annum. Compare it against the Punjab National Bank Global Credit Card if you want a lower-fee alternative from the same issuer. See the FAQ below for fees, lounge access, and milestone bonuses.

Key terms

Credit-card jargon made simple

APR: Annual Percentage Rate — the yearly cost of borrowing on a credit card, including interest and most fees, expressed as a percentage. APRs on Indian credit cards generally range from 30% to 48% per annum.
Reward rate: The number of reward points or cashback you earn per rupee spent. Hover over the rate on any card to see the category split — most cards pay a higher rate on accelerated categories (travel, dining, fuel) and a floor rate on everything else.
Fuel surcharge: The 1% (or higher) transaction fee that oil marketing companies charge on fuel purchases. Most credit cards waive this surcharge between ₹400 and ₹5,000 per transaction — the saving is typically credited as a monthly statement credit.
Credit limit: The maximum outstanding balance the issuer will let you carry on the card. The limit is set at issuance based on declared income and credit score, then reviewed every 6–12 months. Keeping utilisation below 30% of the limit is the single biggest factor in credit-score improvements.
EMI: Equated Monthly Instalment — converting a large purchase into fixed monthly payments over 3–24 months. EMI on a credit card carries interest separate from the headline APR; budget apps often treat EMI as a separate liability.
Add-on card: A supplementary card issued against the primary cardholder's account. Spent on the add-on card flows to the primary holder's bill and reward pool; the add-on holder has no independent credit exposure.
Billing cycle: The roughly 30-day window between two consecutive statement dates. Purchases, refunds, and finance-charge calculations all reset at the cycle close. The 'bill generation date' is when the statement is finalised; you usually have 20 days after that to pay without interest.
Welcome benefit: A first-cycle perk the issuer credits after the first transaction or first spend milestone — typically bonus reward points, a cashback credit, or a complimentary lounge visit. Welcome benefits are nearly always conditional on meeting a minimum spend within the welcome window (usually 30–90 days).
Milestone benefit: An annual perk unlocked when total card spend crosses a threshold — e.g. ₹1 lakh spend unlocks a free lounge visit, ₹5 lakh unlocks a higher reward multiplier. The benefits reset every card-anniversary year.
TAT: Turn-Around Time — how long the issuer takes to deliver a decision (T+1 for instant approval cards, 7–21 days for premium cards requiring manual underwriting). TAT is also used to describe dispute resolution timelines.
T&C: Terms and Conditions — the contractual document governing every benefit on the card. Most reward caps, lounge limits, fuel-surcharge waivers, and milestone thresholds are spelled out in the T&C; the issuer can change them with 30 days' notice.
Finance charge: The interest the issuer charges when you carry a balance past the interest-free period. Finance charge is computed daily on the outstanding amount and compounds; paying the statement balance in full every month is the only way to avoid it.
GST on fees: 18% Goods and Services Tax applied on joining, annual, renewal, and most penalty fees — and on finance charges. The fee figures you see on issuer rate cards and on FinWiz24 are usually 'exclusive of GST'; check the fee schedule before comparing across cards.

TL;DR

PNB Global Gold Credit Card (Visa) at a glance

Annual fee: ₹300
Reward rate: 1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in)

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PNB Global Gold Credit Card (Visa)

Punjab National BankOfficial Website

1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in)

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Fee Waiver

Spend to waive: Waiver thresholds not published in current copy

Annual fee: ₹300

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PNB Global Gold Credit Card (Visa) vs Punjab National Bank Global Credit Card →PNB Global Gold Credit Card (Visa) vs Punjab National Bank Rakshak Credit Card →PNB Global Gold Credit Card (Visa) vs Icici Times Black →

Card Snapshot

Joining Fee

₹2,026

Annual Fee

₹300

Reward Rate

1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in)

Minimum Income

N/A

Fuel surcharge waiver at HPCL / partner pumpsReward structure: 1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in)Annual fee of ₹300 — small but not zeroIncome eligibility of ₹3.5 lakh/month — moderate barNo complimentary airport lounge access

About

PNB does not publish a card literally named 'PNB Gold'. The closest live product is PNB Global Gold (Visa). Both pnbindia.in (old) and pnbcard.in / pnbcsl.in (new) confirm it is in the live portfolio. Annual fee has crept up over the years — multiple older sources show ₹300 while a few aggregator pages show nil; verify against the latest MITC before publishing.

Card Benefits

GasPump Surcharge Waiver1 benefit

International Usage

Foreign exchange, lounges & network

Forex Markup

3.50

PNB Cards general policy

Network

Visa

Accepted at millions of merchants worldwide

Editorial review

Everything you need to know about PNB Global Gold Credit Card (Visa)

~805 words

Data as of 12 Aug 2026

What is PNB Global Gold Credit Card (Visa)?

1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in)

PNB Global Gold Credit Card (Visa) is issued by Punjab National Bank on the Visa network, which sets the global acceptance and the contactless / tokenisation experience. Annual fee: ₹300 (joining fee ₹2,026). Fee waivers may apply — check the Fees section below for the exact conditions. The card is positioned for everyday spending; the rest of this page breaks down what that means in practice.

Fees and charges explained

PNB Global Gold Credit Card (Visa) charges the fees listed below. Annual and joining fees are set by Punjab National Bank and may change at renewal — always check the bank's most recent fee schedule before you apply.

Joining fee: ₹2,026
Annual fee: ₹300
forex markup fee: 3.5% PNB Cards general policy
late payment fee: ₹750
PNB Cards default for mid-tier
cash advance fee: 2.5% PNB Cards default
fuel surcharge: ₹1 (waivable)
1% surcharge waived on fuel between ₹400 and ₹10,000 (PNB general policy)

For most applicants the only fee that matters day-to-day is the annual fee; the others (foreign-currency markup, late-payment charges, cash-advance fees) only apply if you trigger them. If you are comparing PNB Global Gold Credit Card (Visa) against another card on cost alone, the cleanest comparison is ₹2,026 joining + ₹300/yr vs. the equivalent on the alternative.

Rewards, points, and cashback on PNB Global Gold Credit Card (Visa)

PNB Global Gold Credit Card (Visa) earns 1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in) on eligible spends.

Reward rates by category:

all: 1.00 Reward Points per Rs 1 spent
Milestone bonus: 50 extra Reward Points on successful E-bill registration
Reward Point per ₹100 spent — redemption_value: RP = 0.25 (statement credit)

How to think about value: Indian credit-card reward points are worth between ₹0.20 and ₹1.00 each depending on how you redeem (cashback is straightforward; transfer partners and milestone redemptions can pay more). The headline rate on PNB Global Gold Credit Card (Visa) reads high because the bank quotes point-accumulation, not rupee value — multiply by your typical monthly spend and the redemption rate you'd actually use to get a real-world figure.

The Rewards tab below carries the full per-category breakdown with monthly caps, milestone bonuses, and any accelerated-spend windows (festivals, weekend spends, travel categories).

Lifestyle, travel, and insurance benefits

Beyond the headline reward rate, PNB Global Gold Credit Card (Visa) includes the lifestyle, travel, and insurance benefits listed below. These are the perks that decide which card stays in your wallet for year three, not just year one.

Headline benefits:

Fuel surcharge waiver — 1% waiver
1% surcharge waived on fuel between ₹400 and ₹10,000 (PNB general policy)

Insurance and consumer protection: most Visa cards issued by Indian banks come with at least purchase-protection and zero-liability-on-fraud cover; the precise cover levels, claim procedures, and exclusions are spelled out in the card's most-favored-nations (MFN) booklet — request a copy from the bank if you cannot find it online.

Lounge access: if PNB Global Gold Credit Card (Visa) advertises airport-lounge access, the headline number (visits per quarter, domestic vs international) is in the Benefits tab; the access is usually conditional on minimum quarterly spends, which the same tab will list.

Eligibility: who should apply for PNB Global Gold Credit Card (Visa)

PNB Global Gold Credit Card (Visa) targets applicants who are 21-70 years old and earn at least ₹3,50,000 for salaried applicants.

The bank assesses credit-card applications on four factors: your CIBIL score (700+ recommended), your monthly income versus the minimum-income threshold, your employment stability (Salaried / self-employed both qualify for most cards), and your existing relationship with Punjab National Bank — existing customers usually see faster approvals and higher initial credit limits.

Credit score note: PNB customer preferred Eligible professions include: All.

If your profile is on the borderline, applying through the bank's existing-customer portal (salary account + this card) usually gives 1.5-2x the approval odds versus a cold application. The bank's pre-qualified offer (when available) skips the hard pull entirely.

Documents you will need

When you apply for PNB Global Gold Credit Card (Visa), Punjab National Bank will ask for the documents listed below. Existing customers with a current salary account typically see a reduced list — the bank already has your KYC on file and only re-asks for income proof if your salary has changed materially in the last 12 months.

Documents you will need:

pan card — required
aadhaar card — required
address proof — required
bank statement — required
salary slip — required

All documents can be uploaded digitally via the bank's application portal — there is no need to visit a branch in 2026. Keep scans under 2 MB each (PDF preferred for paperwork, JPG for the photograph) and ensure your name matches your PAN exactly; a mismatch is the single most common cause of application rejection at the document-verification stage.

How to apply

How to apply for PNB Global Gold Credit Card (Visa)

Check eligibility
Confirm you meet the minimum income and credit score requirements using our eligibility checker.
Gather your documents
Keep PAN, Aadhaar / address proof, income proof, and a passport-size photo ready.
Apply on the bank's website
Click Apply Now. You'll be redirected to Punjab National Bank to complete the application — FinWiz24 never sees your data.

FAQ

Frequently asked questions about PNB Global Gold Credit Card (Visa)

What are the fees on PNB Global Gold Credit Card (Visa)?

PNB Global Gold Credit Card (Visa) has a joining fee of ₹2,026 and an annual fee of ₹300. The annual fee may be waived if you meet the bank's spend or relationship conditions.

Who is eligible for PNB Global Gold Credit Card (Visa)?

Applicants need a minimum income of ₹3,50,000 per annum and a credit score of at least 700. Salaried and self-employed individuals can apply.

How does the rewards program on PNB Global Gold Credit Card (Visa) work?

PNB Global Gold Credit Card (Visa) earns 1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in) on your spending.

What documents are needed to apply for PNB Global Gold Credit Card (Visa)?

You'll need a PAN card, an address proof (Aadhaar / passport / utility bill), an income proof (salary slip, Form 16, or ITR), and a passport-size photograph. Existing customers of Punjab National Bank may have a simpler flow.

Other Punjab National Bank cards

Punjab National Bank Global Credit Card

10X rewards on international travel — Best for travel.

Punjab National Bank Rakshak Credit Card

4 reward points per ₹100 — Best for rewards.

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PNB Global Gold Credit Card (Visa) at a glance

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Everything you need to know about PNB Global Gold Credit Card (Visa)