PNB
PNB World Credit Card
Premium Mastercard World with global acceptance and travel perks
₹2,500/yr annual fee · 3x rewards
By FinWiz24 Research Desk · Last reviewed · How we review
FinWiz24 Research Desk
Verified independently against issuer Terms & Conditions
Editorial Team
-
Best for
- Premium cardholder
- Traveller
-
What we like
- Mastercard World tier privileges globally
- Domestic + international lounge access
- 2% reduced forex markup
-
Watch out for
- ₹2,500 non-waiver joining fee
- Spend threshold of ₹3 lakh/year required to waive annual fee
- Public-sector bank customer base
Annual fee
₹2,500/yr
Reward rate
3x
Min. income
₹6,00,000
Forex markup
2%
Lounge access
Domestic + international
Eligibility
₹6 lakh/yr · CIBIL 720+
Reward cap
Not explicitly stated
Welcome benefit
₹2,000 voucher on annual spends ≥ ₹3,00,000; ₹4,000 voucher on ≥ ₹6,00,000.
PNB World Credit Card review: premium Mastercard World with global acceptance, complimentary domestic + international lounge access, fuel surcharge waiver, and milestone vouchers.
Who is this for
- Premium cardholder
- Traveller
What we like
- Mastercard World tier privileges globally
- Domestic + international lounge access
- 2% reduced forex markup
Watch out for
- ₹2,500 non-waiver joining fee
- Spend threshold of ₹3 lakh/year required to waive annual fee
- Public-sector bank customer base
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 | ₹2,500 | Not waivable |
| Annual fee | ₹2,500 | Waived on annual spends ≥ ₹3,00,000 |
| Renewal fee | ₹2,500 | Waived on annual spends ≥ ₹3,00,000 |
| Forex markup | 2% | 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 | 3 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 | — | 0.50 |
| TRAVEL | 3.00 | — | 0.50 |
| SHOPPING | 3.00 | — | 0.50 |
Benefits
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Domestic + International Lounge Access Highlight
4 complimentary domestic + 2 international lounge visits per year.
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Mastercard World Tier Privileges Highlight
Mastercard World tier privileges globally — hotel benefits, late checkout, room upgrades.
-
Lower Forex Markup
2% forex markup (down from 3.5%) on international spends.
-
Milestone Vouchers
₹2,000 voucher on annual spends ≥ ₹3,00,000; ₹4,000 voucher on ≥ ₹6,00,000.
Eligibility
- Age
- 21–65 years
- Min. income
- ₹6,00,000
- 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 World Credit Card is the premium Mastercard World tier. It targets premium spenders with global acceptance and travel perks.
Fees and rewards
- Joining fee: ₹2,500 (non-waiver)
- Annual fee: ₹2,500, waived on annual spends ≥ ₹3,00,000
- Rewards: 3 Reward Points per ₹100 on retail spend; 2 Reward Points per ₹100 on dining
- Forex markup: 2%
Benefits
- 4 domestic + 2 international lounge visits per year
- Mastercard World tier privileges globally
- ₹2,000 milestone voucher on ₹3 lakh spend; ₹4,000 on ₹6 lakh
- 2% reduced forex markup
Eligibility
Minimum annual income ₹6,00,000 (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 World Credit Card apply walkthrough →
Apply for PNB World 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 World Credit Card worth it?
What is the annual fee for the PNB World Credit Card?
How does the PNB World Credit Card reward rate work?
What are the eligibility requirements for the PNB World Credit Card?
Does the PNB World 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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