A -linked RuPay credit-card facility described by PNB for SVANidhi borrowers eligible for the third loan tranche. PNB publishes a starting limit of ₹10,000, a maximum of ₹30,000 and five-year validity; card-specific fees and finance terms need a separate PNB source review.
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Credit-card interest estimate
See roughly how much interest may be added if part of the card bill remains unpaid for one month.
Interest added for one month₹1,750one thousand seven hundred fifty rupees
Balance after that interest₹51,750fifty-one thousand seven hundred fifty rupees
Monthly rate × 1242%
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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Network and use · Published detailRuPay; -linked
This value is copied from PNB SVANidhi -linked RuPay Credit Card — published terms. Check the table notes before relying on it.
Source: PNB SVANidhi Loan Scheme — live terms page and PIB · Key Features — Linked Credit Card; PIB 6 Open official source ↗
Published tables
Complete rates, limits and schedules
Tables preserve every reviewed row and column from the cited official source.
Table 1 · 5 rows · 2 columnsPNB PM SVANidhi UPI-linked RuPay Credit Card — published termsCard terms stated on PNB's scheme page and the Government FAQ; card-specific pricing remains to be reviewed.View tableHide table⌄
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PNB PM SVANidhi UPI-linked RuPay Credit Card — published terms
Term
Published detail
Network and use
RuPay; -linked
Starting limit
₹10,000
Maximum limit
₹30,000
Eligibility
Borrowers eligible for the third SVANidhi loan tranche
Validity
5 years
The PNB source does not provide this card's annual/joining fee, /finance charge, rewards, forex markup or lounge terms. These remain open pending a dedicated card source review.
PNB SVANidhi Loan Scheme — live terms page and PIB · Key Features — Linked Credit Card; PIB 6 · accessed 7 Oct 2026Open official source ↗
Table 2 · 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
2% of cash withdrawn or ₹300, whichever is higher.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 3 · 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 ↗
