Credit cards

PNB Kiwi RuPay Select Co-branded Credit Card

A Kiwi RuPay Select co-brand card with ₹2.50 lakh gross annual income requirement, ₹750 annual fee, 0.5% online and 1.5% scan-and-pay cashback in Kiwis, and monthly partner offers.

Cashback0.5% online and 1.5% scan-and-pay cashback as Kiwis; monthly cap 1% of credit limit.Rewards0.5% cashback as Kiwis online and 1.5% cashback as Kiwis on scan-and-pay; monthly cap 1% of credit limit.OffersDynamic monthly merchant offers of 5–15%; exclusions apply to listed categories.

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✓ Manually checked 30 Aug 2026 · active

Offered byPunjab National Bank

India

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Annual / renewal fee₹750 per year for virtual and physical cards; waived at ₹1.50 lakh previous-year spends.View source

₹750 per year for virtual and physical cards; waived at ₹1.50 lakh previous-year spends.

Source: PNB Kiwi RuPay Select Co-branded Credit Card
Page / section: Fees
Accessed: 30 Aug 2026
Confidence: high

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Fee waiverVirtual joining nil; physical joining ₹500; annual ₹750, waived at ₹1.50 lakh previous-year spends.View source

Virtual joining nil; physical joining ₹500; annual ₹750, waived at ₹1.50 lakh previous-year spends.

Source: PNB Kiwi RuPay Select Co-branded Credit Card
Page / section: Fees
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Minimum incomeGross annual income ₹2.50 lakh and above.View source

Gross annual income ₹2.50 lakh and above.

Source: PNB Kiwi RuPay Select Co-branded Credit Card
Page / section: Income criteria
Accessed: 30 Aug 2026
Confidence: high

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EligibilityApplicant with gross annual income ₹2.50 lakh or more; RuPay Select and issuer assessment apply.View source

Applicant with gross annual income ₹2.50 lakh or more; RuPay Select and issuer assessment apply.

Source: PNB Kiwi RuPay Select Co-branded Credit Card
Page / section: Eligibility
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

APR35.89% per annum on regular revolving credit; 19.56% per annum for FD-backed cards.View source

Current PNB fee schedule publishes these rates.

Source: PNB Schedule of Fees and Charges
Page / section
Accessed: 30 Aug 2026
Confidence: high

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Monthly finance charge2.95% per month regular; 1.5% per month for FD-backed cards.View source

Current PNB fee schedule publishes these rates.

Source: PNB Schedule of Fees and Charges
Page / section: Finance charges
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Foreign-currency markup3.50% of the transaction amount over and above the currency-conversion rate; GST and other applicable charges may also apply. PNB's schedule exempts the Metal Card Luxura variants, which have a separate nil-markup rule.View source

The current schedule states: nil markup for PNB Metal Card Luxura (RuPay/Visa) and 3.50% markup for all other cards, over and above the currency conversion rate.

Source: PNB Schedule of Fees & Charges for Credit Card
Page / section: Page 3, row 18: Foreign currency transaction
Accessed: 12 Sept 2026
Confidence: high

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Cashback0.5% online and 1.5% scan-and-pay cashback as Kiwis; monthly cap 1% of credit limit.View source

0.5% online and 1.5% scan-and-pay cashback as Kiwis; monthly cap 1% of credit limit.

Source: PNB Kiwi RuPay Select Co-branded Credit Card
Page / section: Offers
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Rewards0.5% cashback as Kiwis online and 1.5% cashback as Kiwis on scan-and-pay; monthly cap 1% of credit limit.View source

0.5% cashback as Kiwis online and 1.5% cashback as Kiwis on scan-and-pay; monthly cap 1% of credit limit.

Source: PNB Kiwi RuPay Select Co-branded Credit Card
Page / section: Rewards and benefits
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

OffersDynamic monthly merchant offers of 5–15%; exclusions apply to listed categories.View source

Dynamic monthly merchant offers of 5–15%; exclusions apply to listed categories.

Source: PNB Kiwi RuPay Select Co-branded Credit Card
Page / section: Prominent features
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

NetworkRuPay SelectView source

RuPay Select

Source: PNB Kiwi RuPay Select Co-branded Credit Card
Page / section: Product heading
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

Gross annual income ₹2.50 lakh and above
Nil joining fee for virtual card; ₹500 for physical card
₹750 annual fee, waived at ₹1.50 lakh previous-year spends
0.5% online and 1.5% scan-and-pay cashback as Kiwis
5–15% dynamic merchant offers; monthly Kiwis cap is 1% of credit limit

Eligibility

Gross annual income ₹2.50 lakh and above; RuPay Select and PNB approval criteria apply.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

PNB credit-card application, , and income proof

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Credit-card interest estimate

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Bill left unpaidThe part of your card bill that carries forward.₹fifty thousand rupees₹1,000₹10,00,000Interest charged each monthUse the monthly rate printed by the card issuer.%0.5%5%

Interest added for one month₹1,475one thousand four hundred seventy-five rupees

Balance after that interest₹51,475fifty-one thousand four hundred seventy-five rupees

Monthly rate × 1235.4%

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

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TableCardChoose column

PNB Visa Gold Credit Card · IncomeMinimum gross annual income ₹3.50 lakh.

This value is copied from PNB standard and co-branded cards — published terms. Check the table notes before relying on it.

Source: PNB card product pages · Card variants and linked product pages Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 4 rows · 6 columnsPNB standard and co-branded cards — published termsCurrent income, fees, rewards, contactless and partner offers.View tableHide table

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PNB standard and co-branded cards — published terms
Card	Income	Fees	Rewards / offers	Lounge	Network
PNB Visa Gold Credit Card	Minimum gross annual income ₹3.50 lakh.	Nil joining fee; ₹300 annual fee.	1 reward point per ₹100 spent. Fuel-surcharge waiver and merchant offers; offer values are not published.	Not published for Visa Gold.	Visa Gold
PNB Wave & Pay Credit Card	Minimum gross annual income ₹5 lakh under PNB's Visa Platinum criteria.	Visa Platinum joining/annual schedule applies; Wave & Pay page does not publish a separate fee.	2 reward points per ₹150 under the Visa Platinum reward programme. Contactless payment up to ₹5,000 without /signature; ₹6,000 daily no- limit.	Complimentary domestic lounge benefit is published for Visa Platinum; quota not published on Wave & Pay page.	Visa Platinum (Wave & Pay)
PNB Patanjali RuPay Platinum Credit Card	Not published for the general Patanjali Platinum variant; co-brand employee policy may allow reduced income route.	Nil joining and annual fee when used once in each quarter.	1 reward point per ₹100 spent, plus 300+ points on first usage. 2% cashback at Patanjali stores above ₹2,500 capped at ₹50 per transaction; 5–7% recharge cashback; 300+ merchant offers.	Not published on the Patanjali Platinum page.	RuPay Platinum
PNB Kiwi RuPay Select Co-branded Credit Card	Gross annual income ₹2.50 lakh and above.	Virtual joining nil; physical joining ₹500; annual ₹750, waived at ₹1.50 lakh previous-year spends.	0.5% cashback as Kiwis online and 1.5% cashback as Kiwis on scan-and-pay; monthly cap 1% of credit limit. Dynamic monthly merchant offers of 5–15%; exclusions apply to listed categories.	Not published on the Kiwi product page.	RuPay Select

PNB card product pages · Card variants and linked product pages · accessed 30 Aug 2026Open official source ↗

Table 2 · 10 rows · 2 columnsPNB credit cards — common fees and chargesCurrent schedule rows shared by PNB credit-card variants. Product-specific joining and annual fees are shown in each product's facts; Luxura's separate nil foreign-currency markup is preserved.View tableHide table

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PNB credit cards — common fees and charges
Charge or rule	Published amount or condition
Finance charge	2.95% per month; 1.5% per month for cards against fixed deposit
Annualised percentage rate ()	35.89% per annum; 19.56% per annum for cards against bank lien on fixed deposit
Foreign-currency transaction	Nil markup for Metal Card Luxura (RuPay/Visa); 3.50% for all other cards over the currency-conversion rate
Fuel surcharge	1% of fuel transaction amount, exclusive of taxes, refunded for ₹400–₹4,000 transactions up to ₹350 per statement cycle
Free interest period	20–50 days on retail purchases when the previous month's balance is cleared in full; not applicable after cash withdrawal
Minimum amount due	5% of total amount due, or another amount PNB determines; amounts are added in full
Cash-advance limit	20% of the credit limit
PNB plan	2% processing fee (minimum ₹200); 18% p.a. finance charge; 3% prepayment charge, nil for cards against fixed deposit
Instant	2% processing fee (minimum ₹100); 12% p.a. for 3/6/9/12 months and 14% p.a. for 18/24 months; nil prepayment charge
Tax and change notice	applies to fees, interest and other charges; schedule is subject to change by PNB

PNB Schedule of Fees & Charges for Credit Card · Pages 1–3, rows 1–27 and footnotes · accessed 12 Sept 2026Open official source ↗

Table 3 · 31 rows · 4 columnsPNB cash-advance fees — current and revised from 1 November 2026The revised schedule is stated to be exclusive of applicable GST. The source's existing card/network groups are retained alongside the broad future VISA/RuPay rate.View tableHide table

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PNB cash-advance fees — current and revised from 1 November 2026
channel	Card group as named in the notice	Existing charge shown by PNB	Revised charge from 1 November 2026
Domestic, PNB	RuPay Platinum, RuPay BLISS Platinum, PNB Salary Platinum, PNB	2% of cash withdrawn or ₹100, whichever is higher.	For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹400, whichever is higher.
Domestic, PNB	RuPay Select, Millennial, Luxura, PNB RRB, BRAILLE, PNB Go KIWI, Salary Select, ZAGGLE RuPay Select	2% of cash withdrawn or ₹150, whichever is higher.	For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹400, whichever is higher.
Domestic, PNB	PNB SVANidhi Credit Card	Cash withdrawal not allowed.	The revised column gives a general /RuPay rate and does not repeat this specific no-withdrawal statement.
Domestic, PNB	PNB Metal Credit Card LUXURA; PNB LUXURA for Indian Army personnel	2% of cash withdrawn or ₹150, whichever is higher.	For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹400, whichever is higher.
Domestic, PNB	PNB Patanjali RuPay Platinum	2% of cash withdrawn or ₹100, whichever is higher.	For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹400, whichever is higher.
Domestic, PNB	PNB Patanjali RuPay Select	2% of cash withdrawn or ₹150, whichever is higher.	For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹400, whichever is higher.
Domestic, PNB	PNB co-branded card	2% of cash withdrawn or ₹100, whichever is higher.	For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹400, whichever is higher.
Domestic, PNB	PNB Rakshak Platinum and PNB Rakshak Select	2% of cash withdrawn or ₹150, whichever is higher.	For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹400, whichever is higher.
Domestic, PNB	PNB GCC, and cards for Micro Enterprises	Not applicable ().	The revised column states the general /RuPay rate; it does not separately restate the existing entry.
Domestic, PNB	Classic, Gold, Platinum and Signature	2% of cash withdrawn or ₹100, whichever is higher.	For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹400, whichever is higher.
Domestic, PNB	Corporate Gold and Platinum cards, with individual or corporate liability	Not applicable ().	The revised column states the general /RuPay rate; it does not separately restate the existing corporate-card entry.
Domestic, other	RuPay Platinum, RuPay BLISS Platinum, PNB Salary Platinum, PNB	2% of cash withdrawn or ₹150, whichever is higher.	For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Domestic, other	RuPay Select, Millennial, Luxura, PNB RRB, BRAILLE, PNB Go KIWI, Salary Select, ZAGGLE RuPay Select	2% of cash withdrawn or ₹200, whichever is higher.	For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Domestic, other	PNB SVANidhi Credit Card	Cash withdrawal not allowed.	The revised column gives a general /RuPay rate and does not repeat this specific no-withdrawal statement.
Domestic, other	PNB Metal Credit Card LUXURA; PNB LUXURA for Indian Army personnel	2% of cash withdrawn or ₹200, whichever is higher.	For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Domestic, other	PNB Patanjali RuPay Platinum	2% of cash withdrawn or ₹150, whichever is higher.	For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Domestic, other	PNB Patanjali RuPay Select	2% of cash withdrawn or ₹200, whichever is higher.	For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Domestic, other	PNB Rakshak Platinum; PNB Rakshak Select	Platinum: 2% or ₹150, whichever is higher; Select: 2% or ₹200, whichever is higher.	For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Domestic, other	PNB GCC, and cards for Micro Enterprises	Not applicable ().	The revised column states the general /RuPay rate; it does not separately restate the existing entry.
Domestic, other	Classic, Gold, Platinum and Signature; PNB ZAGGLE Platinum	2% of cash withdrawn or ₹150, whichever is higher.	For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Domestic, other	Corporate Gold and Platinum cards, with individual or corporate liability	Not applicable ().	The revised column states the general /RuPay rate; it does not separately restate the existing corporate-card entry.
Overseas	RuPay Platinum, RuPay BLISS Platinum, PNB Salary Platinum, PNB	2% of cash withdrawn or ₹250, whichever is higher.	For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Overseas	RuPay Select, Millennial, Luxura, PNB RRB, BRAILLE, PNB Go KIWI, Salary Select, ZAGGLE RuPay Select	2% of cash withdrawn or ₹300, whichever is higher.	For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Overseas	PNB SVANidhi Credit Card	Cash withdrawal not allowed.	The revised column gives a general /RuPay rate and does not repeat this specific no-withdrawal statement.
Overseas	PNB Metal Credit Card LUXURA; PNB LUXURA for Indian Army personnel	2% of cash withdrawn or ₹300, whichever is higher.	For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Overseas	PNB Patanjali RuPay Platinum	2% of cash withdrawn or ₹250, whichever is higher.	For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Overseas	PNB Patanjali RuPay Select	2% of cash withdrawn or ₹300, whichever is higher.	For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Overseas	PNB Rakshak Platinum; PNB Rakshak Select	Platinum: 2% or ₹250, whichever is higher; Select: 2% or ₹300, whichever is higher.	For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Overseas	PNB GCC, and cards for Micro Enterprises	Not applicable ().	The revised column states the general /RuPay rate; it does not separately restate the existing entry.
Overseas	Classic, Gold, Platinum and Signature	2% of cash withdrawn or ₹300, whichever is higher.	For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Overseas	Corporate Gold and Platinum cards, with individual or corporate liability	Not applicable ().	The revised column states the general /RuPay rate; it does not separately restate the existing corporate-card entry.

The source's revised cash-advance entries are worded generally for /RuPay credit-card variants. Existing-column exceptions for SVANidhi and corporate cards are not repeated in the revised column; this table preserves that omission rather than interpreting it as a confirmed rule change for those exceptions.
Revised charges are exclusive of applicable , as stated in the notice heading.

PNB revised service charges applicable on credit cards w.e.f. 1 November 2026 · Actual pages 1–4, complete cash-advance schedule for PNB , other domestic and overseas · accessed 8 Oct 2026Open official source ↗

Table 4 · 6 rows · 3 columnsPNB other credit-card service charges — current and revised from 1 November 2026Notice compares existing and revised late-payment, returned-payment, duplicate-statement, reward-redemption and utility-bill fees. The revised schedule is exclusive of applicable GST.View tableHide table

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PNB other credit-card service charges — current and revised from 1 November 2026
Charge	Existing fee/condition shown by PNB	Revised fee/condition effective 1 November 2026
Late payment — general /RuPay variants	Total amount due ₹1,000 or less: nil; ₹1,001–₹5,000: ₹500; ₹5,001–₹10,000: ₹600; above ₹10,000: ₹750.	Total amount due ₹500 or less: nil; ₹501–₹1,000: ₹500; ₹1,001–₹10,000: ₹750; ₹10,000–₹50,000: ₹1,000; above ₹50,000: ₹1,200.
Late payment — cards against fixed deposit	30% of minimum amount due, minimum ₹200 and maximum ₹500 per billing cycle for the listed Classic, Gold, Platinum, Signature, RuPay Select, Millennial, Luxura, PNB RRB, BRAILLE, PNB Go KIWI, Salary Select and ZAGGLE RuPay Select variants. For Metal LUXURA/Army fixed-deposit cards, charges are the same as normal LUXURA.	For the listed fixed-deposit card variants, 30% of minimum amount due, minimum ₹200 and maximum ₹500 per billing cycle. Metal LUXURA/Army fixed-deposit card charges remain the same as normal LUXURA, as stated by PNB.
Returned cheque / dishonoured / auto debit	₹200 per instrument for all variants except: Classic/Gold ₹100; Platinum/Signature ₹250; Metal LUXURA/Army ₹200; cards against fixed deposit ₹100. RuPay Select, Millennial, Luxura, PNB RRB, BRAILLE, PNB Go KIWI, Salary Select, ZAGGLE RuPay Select, RuPay Platinum, RuPay BLISS Platinum, Salary Platinum and : ₹200 per instrument. GCC//cards for Micro Enterprises: .	For /RuPay credit-card variants: 2% of payment amount, minimum ₹400. Cards against fixed deposit: ₹100 per instrument. For Metal LUXURA/Army cards against fixed deposit, charges are the same as normal LUXURA.
Duplicate statement beyond three months	₹50; no charge for e-statements, and no charge for cards against fixed deposit for Platinum and Signature. For others, ₹50 with no charge for e-statements. Metal LUXURA/Army fixed-deposit cards follow normal LUXURA charges.	For /RuPay credit-card variants: ₹50 for any month; no charge for an e-statement. Metal LUXURA/Army fixed-deposit cards follow normal LUXURA charges.
Reward redemption	Nil.	For /RuPay credit-card variants: ₹99 per redemption request.
Utility-bill payments	Nil.	For /RuPay credit-card variants: 1% of total utility payments if they exceed ₹50,000 in a billing cycle; maximum ₹2,000 per transaction.

Thresholds and card groups are reproduced from the notice. The late-payment slab uses a ₹10,000 boundary on both adjacent lines; the printed text is retained as published rather than silently normalized.
Revised charges are exclusive of applicable , as stated in the notice heading.

PNB revised service charges applicable on credit cards w.e.f. 1 November 2026 · Actual pages 4–6, complete late-payment, returned-payment, duplicate-statement, reward-redemption and utility-fee sections · accessed 8 Oct 2026Open official source ↗

PNB Kiwi RuPay Select Co-branded Credit Card

What the official sources publish

Benefits and features

Eligibility

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Related official documents

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Credit-card interest estimate

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Complete rates, limits and schedules

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