Punjab National Bank Credit Cards 2026
Public-sector bank with RuPay and Visa cards, including the LUXURA metal card. Compare 6 cards by fees, rewards, lounge access and eligibility, plus customer care and bill payment details.
Card terms checked 30 September 2026Punjab National Bank credit cards
Best Punjab National Bank card by need
| Need | Card | Annual fee | Why |
|---|---|---|---|
| Rewards | PNB RuPay Platinum | ₹500 | Entry-level RuPay card for UPI spends |
| Travel | PNB LUXURA RuPay Metal | ₹7,500 | High spenders wanting zero forex and unlimited lounge |
| Lounge access | PNB LUXURA RuPay Metal | ₹7,500 | High spenders wanting zero forex and unlimited lounge |
| Fuel | PNB LUXURA RuPay Metal | ₹7,500 | High spenders wanting zero forex and unlimited lounge |
| Premium | PNB LUXURA RuPay Metal | ₹7,500 | High spenders wanting zero forex and unlimited lounge |
| RuPay on UPI | PNB LUXURA RuPay Metal | ₹7,500 | High spenders wanting zero forex and unlimited lounge |
Compare all Punjab National Bank cards
| Card | Joining / annual fee | Reward rate | Lounge | Forex markup | Net value on ₹3 lakh/yr spend* |
|---|---|---|---|---|---|
| PNB LUXURA RuPay Metal | ₹9,000 / ₹7,500 | 1.00% base value | Unlimited complimentary domestic & international | 0.00% | -₹5,850 |
| PNB RuPay Platinum | Free / ₹500 | See card page | — | 3.50% | — |
| PNB RuPay Select | ₹500 / ₹750 | See card page | Complimentary domestic and international lounge program | 3.50% | — |
| PNB RuPay Millennial | ₹399 / ₹999 | See card page | Domestic and international visits included | 3.50% | — |
| PNB Visa Signature | ₹1,500 / ₹2,000 | See card page | — | 3.50% | — |
| PNB Wave & Pay | — / — | See card page | — | 3.50% | — |
* Base reward value on ₹3 lakh of yearly spends minus annual fee + 18% GST (fee treated as waived when the published waiver threshold is ₹3 lakh or less). Accelerated categories, caps and exclusions change the real value — see each card page.
Customer care
| Service | Number |
|---|---|
| Toll-free 24x7 | 1800 180 2345 |
| Chargeable | 0120-4616200 |
| Grievance cell | 0120-4478989 |
Bill payment
- PNB net banking
- PNB ONE app
- Auto-debit / standing instruction
- NEFT (IFSC PUNB0112000, card number as account)
- BillDesk
- ECS
Eligibility
| Criterion | Punjab National Bank |
|---|---|
| Age | 21-70 (Luxura page) |
| Income | Varies; Luxura Rs 1.5 lakh/month salaried or Rs 18 lakh/yr non-salaried; entry cards typically for existing PNB customers |
| Documents | PAN, Aadhaar / address proof, Income proof (salary slip / ITR) |
Frequently asked questions
Which Punjab National Bank credit card is best?
It depends on how you spend. By base reward value, PNB LUXURA RuPay Metal ranks first among the cards we track; for no fees, look for fee-waiver conditions. Use the comparison table and the value calculator on each card page.
What is the Punjab National Bank credit card customer care number?
Toll-free 24x7: 1800 180 2345; Chargeable: 0120-4616200.
How do I pay my Punjab National Bank credit card bill?
PNB net banking; PNB ONE app; Auto-debit / standing instruction.
What is the eligibility for a Punjab National Bank credit card?
Age 21-70 (Luxura page). Income: Varies; Luxura Rs 1.5 lakh/month salaried or Rs 18 lakh/yr non-salaried; entry cards typically for existing PNB customers.
Compiled from Punjab National Bank’s published card terms and reputable card-review sources (per-card source and date on each card page). FinancePortal is not affiliated with Punjab National Bank.