PNB
PNB Global Gold Prime Credit Card
Mid-tier Visa Gold with rewards and milestone vouchers
₹1,500/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
- Traveller
-
What we like
- 2x rewards on dining and retail
- Domestic lounge access
- Mid-tier entry premium
-
Watch out for
- ₹1,500 non-waiver joining fee
- Standard 3.5% forex markup
- Spend threshold of ₹1.5 lakh/year required to waive annual fee
Annual fee
₹1,500/yr
Reward rate
2x
Min. income
₹5,00,000
Forex markup
3.5%
Lounge access
Domestic only
Eligibility
₹5 lakh/yr · CIBIL 720+
Reward cap
Not explicitly stated
Welcome benefit
₹1,500 voucher on annual spends ≥ ₹1,50,000; ₹3,000 voucher on ≥ ₹3,00,000.
PNB Global Gold Prime Credit Card review: mid-tier Visa Gold with rewards on retail and dining spend, milestone vouchers, and welcome benefits for mid-tier PNB customers.
Who is this for
- Mid-tier Visa user
- Traveller
What we like
- 2x rewards on dining and retail
- Domestic lounge access
- Mid-tier entry premium
Watch out for
- ₹1,500 non-waiver joining fee
- Standard 3.5% forex markup
- Spend threshold of ₹1.5 lakh/year required to waive annual fee
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 | ₹1,500 | Not waivable |
| Annual fee | ₹1,500 | Waived on annual spends ≥ ₹1,50,000 |
| Renewal fee | ₹1,500 | Waived on annual spends ≥ ₹1,50,000 |
| Forex markup | 3.5% | Not waivable |
| Late payment | ₹1,100 | 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; 2 Reward Points per ₹100 on dining; 1 Reward Point per ₹100 on utility & in… | Not explicitly stated | Redeemable via PNB rewards portal |
| DINING | 2.00 | — | 0.25 |
| SHOPPING | 2.00 | — | 0.25 |
Benefits
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2x Rewards on Dining and Retail Highlight
2 Reward Points per ₹100 on dining and retail spend.
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Domestic Lounge Access
2 complimentary domestic airport lounge visits per quarter.
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Milestone Vouchers
₹1,500 voucher on annual spends ≥ ₹1,50,000; ₹3,000 voucher on ≥ ₹3,00,000.
-
Fuel Surcharge Waiver
1% surcharge waiver on fuel transactions between ₹400 and ₹4,000.
Eligibility
- Age
- 21–65 years
- Min. income
- ₹5,00,000
- Min. credit score
- 720+
- Score note
- Good credit card required
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar (DigiLocker sufficient), salary slip / ITR for self-employed
PNB Global Gold Prime Credit Card is the mid-tier Visa Gold tier from Punjab National Bank. It targets mid-tier spenders with rewards on dining and retail, plus lounge access.
Fees and rewards
- Joining fee: ₹1,500 (non-waiver)
- Annual fee: ₹1,500, waived on annual spends ≥ ₹1,50,000
- Rewards: 2 Reward Points per ₹100 on retail + dining
- Forex markup: 3.50%
Benefits
- 2x rewards on dining and retail
- 2 domestic lounge visits per quarter
- ₹1,500 milestone voucher on ₹1.5 lakh spend; ₹3,000 on ₹3 lakh
- 1% fuel surcharge waiver
Eligibility
Minimum annual income ₹5,00,000 (salaried) / ITR-based for self-employed. Good 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 Gold Prime Credit Card apply walkthrough →
Apply for PNB Global Gold Prime 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 Gold Prime Credit Card worth it?
What is the annual fee for the PNB Global Gold Prime Credit Card?
How does the PNB Global Gold Prime Credit Card reward rate work?
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Does the PNB Global Gold Prime 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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