Punjab National Bank · Visa · Premium
PNB Visa Signature Credit Card
Best for hNI customers of PNB.
Terms as of 2026-09-27 · Checked 28 September 2026Annual fee
₹2,000
Joining ₹1,500PNB Visa Signature Credit Card at a glance
Joining fee₹1,500
Annual fee₹2,000
Base reward valueSee rewards
Forex markup3.50%
NetworkVisa
IssuerPunjab National Bank
CategoryPremium
Fee waiverAnnual fee waived above Rs 3 lakh annual spend
Who it suits: HNI customers of PNB
Rewards & cashback
Travel, lounge & fuel benefits
| Benefit | Details |
|---|---|
| Forex markup | 3.50% + 18% GST on the markup |
Fees & charges
| Charge | Amount |
|---|---|
| Joining fee | ₹1,500 + GST |
| Annual / renewal fee | ₹2,000 + GST |
| Fee waiver | Annual fee waived above Rs 3 lakh annual spend |
| Finance charge | Typically about 3.5%–3.75% per month on revolved balances (lower on some premium and secured cards) — see MITC |
| Cash withdrawal | Usually 2.5% (min ₹500) + interest from day one |
| Late payment | Slab-based, only if unpaid more than 3 days past due |
| GST | 18% on all fees and interest |
Is it worth it for you?
Eligibility & documents
| Criterion | Details |
|---|---|
| Age | 21-70 (Luxura page) |
| Credit score | 750+ improves approval chances |
Similar cards
| Card | Issuer | Joining / annual fee | Reward rate | Best for |
|---|---|---|---|---|
| Standard Chartered Ultimate | Standard Chartered | ₹5,000 / ₹5,000 | 3.33% base value | High flat reward rate on all spends |
| HDFC Bank Diners Club Black Metal Edition | HDFC Bank | ₹10,000 / ₹10,000 | 3.33% base value | High spenders wanting uncapped-lounge premium card below Infinia |
| HDFC Bank Infinia Credit Card Metal Edition | HDFC Bank | ₹12,500 / ₹12,500 | 3.33% base value | Super-premium, high-spend travellers (invite-only) |
| Standard Chartered Beyond | Standard Chartered | ₹15,000 / ₹25,000 | 3.33% base value | Affluent Priority Banking clients |
| ICICI Bank Emeralde Private Metal | ICICI Bank | ₹12,499 / ₹12,499 | 3.00% base value | Super-premium spenders wanting unlimited lounges and hotel memberships |
| HSBC Premier | HSBC India | ₹12,000 / ₹20,000 | 3.00% base value | HSBC Premier banking customers |
Frequently asked questions
What is the annual fee of the PNB Visa Signature Credit Card?
Joining fee ₹1,500 and annual fee ₹2,000 (plus 18% GST). Annual fee waived above Rs 3 lakh annual spend.
What is the forex markup?
3.50% on international transactions, plus 18% GST on the markup. On ₹1 lakh spent abroad that is about ₹4,130.
Is the PNB Visa Signature Credit Card good for me?
Best for: HNI customers of PNB. Compare the net value after fees with how and where you actually spend — the calculator on this page helps.
Source: pnbcard.in, 2026-09-27. Card benefits change frequently — confirm the latest Most Important Terms & Conditions (MITC) on Punjab National Bank’s website before applying. FinancePortal is not affiliated with the issuer.