PNB Global Platinum Credit Card
The PNB Global Platinum Credit Card is a Visa-based card from Punjab National Bank offering worldwide acceptance, up to two add-on cards, and reward points on retail spends. It waives its Rs.500 annual fee on adequate usage and includes 24/7 concierge services, lost-card liability cover, and dining and wellness discounts.
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Fee Details
- 1st Year - ₹ 500
- 2nd Year Onwards - ₹ 500
Joining Perks
- -
Rewards
- Earn 2 rewards point for every ₹ 150 spent on retail transactions.
Documents
- KYC-PAN, Address proof and ID Proof
- One photograph, Salary slip/Form 16
What you'll love
24/7 Concierge Services
Lost Card Liability Cover
Up to 2 Add-on cards for family members
Global acceptance across various merchant outlets.
Offers from various merchants as additional incentives.
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The PNB Global Platinum Credit Card opens a whole new world of benefits inclusive of annual fee waivers, add-on cards, platinum benefits, worldwide acceptance and an attractive rewards program. As security features, this card carries an embedded microchip which protects online transactions against cyber-attacks and customers can also enjoy insurance protection in the form of lost card liability for their PNB Global Platinum Credit Cards.
Benefits of PNB Global Platinum Card
Some of the key Platinum benefits enjoyed by PNB Global Platinum Credit Card holders have been listed below.
- Annual Fees: The annual fees for a PNB Global Platinum Credit Card will be waived off if -a) the spend on the card is more than the credit limit,b) there is at least one retail purchase transaction in a quarterc) the card account has a good track record.
- Joining Fees: PNB currently charges no joining fee for the primary PNB Global Platinum Credit Card; add-on cards carry a joining fee as shown in the fees and charges table below.
- Add-on cards: Card holders can get up to two add-on cards for their spouse, parents and children over the age of 18 years.
- Platinum Benefits: As part of platinum benefits, PNB provides priority customer care services and additional incentives in the form of merchant offers to PNB Global Platinum Credit Card holders.
- Credit Card Account Summary: PNB also provides yearly account statements to all Platinum card holders, which gives them easy access to their credit card transactions.
Features of PNB Global Platinum Credit Card
A PNB Global Platinum Credit Card comes with a plethora of features as listed below.
- Worldwide acceptance: The PNB Global Platinum Credit Card is accepted at over 3, 80,000 merchant outlets and at over 30,000 ATMs in India. Worldwide, this credit card is accepted at 29 million outlets and 1 million Visa ATMs.
- An all-purpose credit card: The PNB Global Platinum Credit Card is a multipurpose credit card which can be used for shopping, dining, travel, railway ticket bookings and also for refueling.
- Rewards Program: Customers can earn 1 rewards point for every Rs 100 spent using the PNB Global Platinum Credit Card. Accrued points can be redeemed for exciting gifts from PNB’s rewards program. Retail transactions get customers 2 rewards points for every Rs 150 spent using the Platinum card.
- Lost Card Liability: Any loss of credit card should be immediately reported to the 24/7 PNB credit card customer care. PNB provides lost card liability protection for all kinds of fraudulent transactions occurring after that.
- Utility Bill Payments: PNB Global Platinum Credit Card holders can easily pay their mobile / telephone bills and electricity bills on the Visa Bill pay website.
- Concierge Services: Platinum card holders can contact the 24/7 concierge help desk to avail any of the following services -
- Reservations for dining
- Bookings for travel and hotel accommodations
- Passport / Visa assistance / Pre-trip assistance
- Delivery of flowers and gifts
- Lifestyle services / Booking for events and shows
- Emergency services / Emergency Road Side Assistance / Medical Assistance / Travel Arrangements for patients
- Dining Offers: PNB Global Credit Card holders can get discounts ranging from 10% to 25% on dining bills and hotel accommodation at Sarovar hotels and Resorts.
- Wellness Offers: The Kairali Ayurvedic Group offers PNB Global Credit Card holders a discount of 10% on the MRP.
- PNB Global EMI Plan: Cardholders can convert eligible transactions into equated monthly instalments under the PNB Global EMI plan, subject to a processing fee of 2% of the transaction amount (minimum Rs.200), an interest rate of 18% p.a. (1.5% per month), and a prepayment charge of 3% on the outstanding amount.
PNB Global Platinum Credit Card Fees & Charges
Charge Type | Amount |
Primary Cards - Annual Fees | Rs. 500 (not levied if taken against fixed deposit) |
Add-on Cards - Annual Fees | Nil |
Primary Cards - Joining Fees | Nil |
Add-on Cards - Joining Fees | Rs. 500 (not levied if taken against fixed deposit) |
Renewal Fees | Nil |
Revolving Credit - Annualized percentage rate | 35.89% p.a. (19.56% p.a. for credit cards taken against a fixed deposit) |
Finance charges - Interest rate per month on revolving credit, amount overdue and cash withdrawals. | 2.95% per month (1.5% per month for credit cards taken against a fixed deposit) |
Cash advance transaction charges - At PNB ATMs | Rs.100, whichever is higher. |
Cash advance transaction charges - At Other ATMs | Rs.150, whichever is higher. |
Cash advance transaction charges - ATMs Overseas | Rs.300, whichever is higher. |
Over Limit Charges | 2.5% or a minimum of Rs.500 (Rs.250 for credit cards taken against a fixed deposit). |
Dishonour of ECS / Return of cheque / Auto Debit | Rs.250 per instance (Rs.100 for credit cards taken against a fixed deposit). |
Card replacement fee | Rs.250 per instance (Rs.100 for credit cards taken against a fixed deposit). |
Duplicate statement | Rs.50 (no charge for e-statements). Free for credit cards taken against a fixed deposit. |
Pin replacement fee | Rs.100 per card Rs. 50 is charged for credit cards taken against a fixed deposit. |
Balance transfer interest charges | 0.99% per month |
Balance transfer processing fees | 1% of the transfer amount or Rs.199, whichever is higher. |
Interest Free Period | 20 - 50 days |
Cash Advance Limit | 20% of the credit card limit for all cardholders; the single-transaction limit is 50% of the available cash limit. |
Minimum amount due | 5% of total amount due |
Late Payment Fee | Nil up to Rs.1,000 outstanding; Rs.500 for Rs.1,001-Rs.5,000; Rs.600 for Rs.5,001-Rs.10,000; Rs.750 above Rs.10,000. For credit cards taken against a fixed deposit: 30% of minimum amount due, subject to a minimum of Rs.200 and a maximum of Rs.500 per billing cycle. |
Fuel Surcharge | Minimum Rs.10 or 1% of the transaction amount, whichever is higher, on fuel transactions between Rs.500 and Rs.4,000. |
Railway Booking Surcharge | 2.5% of the transaction amount at the railway counter; up to 1.8% of the transaction amount when booking via the IRCTC website. |
Note: Interest rates updated on 7 September 2026.
PNB Global Platinum Credit Card Eligibility Criteria
- The applicant will be eligible to avail a PNB Global Platinum Credit Card only if he carries a minimum educational qualification of 10th Standard (Passed).
- The primary card holder should be aged between 21 and 65 years and add-on cards holders should be 18 to 65 years old.
- Salaried employees, retired Government staff, self-employed professionals and businessmen who meet the required income criteria are eligible to apply for a PNB Global Platinum Credit Card.
- The applicant should be employed or should reside in the city where the concerned PNB branch is located.
- PNB requires all applicants to have a banking relationship with a good record for a minimum period of 6 months.
Documents Required for PNB Global Platinum Credit Card
Fully filled-in credit card application form
Residence Proof / ID Proof -
- Telephone Bills / Bank Account Statement / Electricity Bills for the last three months
- Letter from a recognized public authority
- Letter from the applicant’s employer
- Voter’s ID card
- Passport
- Driving License
Income Proof -
- Form 60
- IT Returns statement
- Salary Certificate
If the PAN Card is not available, then Form 60-61 with a photo ID proof has to be submitted.
Summary
The PNB Global Platinum Credit Card from Punjab National Bank is a Visa-based card offering worldwide acceptance, add-on cards, reward points on spends, and platinum privileges such as 24/7 concierge services and lost-card liability cover. Its annual fee can be waived on adequate usage, while cash advance, EMI, and other charges apply as detailed above. Check your eligibility and apply for the PNB Global Platinum Credit Card through BankBazaar.
FAQs on PNB Global Platinum Credit Card
1.What is the PNB Global Platinum Credit Card?
The PNB Global Platinum Credit Card is a Visa-based credit card issued by Punjab National Bank that offers platinum-tier privileges, worldwide acceptance, and a rewards program for everyday spending. It is designed for salaried and self-employed applicants who meet PNB's eligibility criteria.
2.What benefits does the PNB Global Platinum Credit Card offer?
The PNB Global Platinum Credit Card offers priority customer care, merchant offers, up to two add-on cards, and an annual fee that can be waived on adequate card usage. Cardholders also receive a yearly account summary for easy tracking of transactions.
3.Where is the PNB Global Platinum Credit Card accepted?
The PNB Global Platinum Credit Card is accepted at merchant outlets and ATMs across India as well as internationally through the Visa network. It can be used for shopping, dining, travel, fuel, and railway ticket bookings.
4.How does the rewards program on the PNB Global Platinum Credit Card work?
The PNB Global Platinum Credit Card lets cardholders earn reward points on retail and other eligible spends, with a higher points rate on retail transactions. Accumulated points can be redeemed for gifts through PNB's rewards program.
5.Can I get an add-on card with my PNB Global Platinum Credit Card?
Yes, PNB Global Platinum Credit Card holders can request up to two add-on cards for their spouse, parents, or children above 18 years of age. Add-on cardholders use the same account, subject to the primary cardholder's credit limit.
6.Who is eligible for the PNB Global Platinum Credit Card?
Eligibility for the PNB Global Platinum Credit Card depends on age, educational qualification, income, and an existing banking relationship with PNB. The bank's detailed eligibility criteria are listed in the eligibility section above.
7.What documents are required to apply for the PNB Global Platinum Credit Card?
Applicants for the PNB Global Platinum Credit Card need to submit a filled application form along with identity, address, and income proof. The full list of accepted documents is provided in the documents section above.
8.What fees and charges apply to the PNB Global Platinum Credit Card?
The PNB Global Platinum Credit Card carries an annual fee, along with charges for cash advances, late payments, and other transactions, all listed in the fees and charges table above. Charges may differ for cards issued against a fixed deposit.
9.Does the PNB Global Platinum Credit Card offer an EMI facility?
Yes, the PNB Global Platinum Credit Card supports the PNB Global EMI plan, which lets cardholders convert eligible purchases into instalments. Applicable processing fees, interest, and prepayment charges are listed in the fees and charges table above.
10.What should I do if my PNB Global Platinum Credit Card is lost or stolen?
Cardholders should immediately report a lost or stolen PNB Global Platinum Credit Card to PNB's 24/7 customer care helpdesk to block it and request a replacement. This helps limit liability for any fraudulent transactions made after the loss.
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