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PNB Visa Classic Credit Card

An all-purpose Visa Classic card with nil joining and annual fees, 1 point per ₹100 and fuel-surcharge waiver.

Rewards1 reward point for every ₹100 spent.PQCC offer and issuanceNo joining fee for the PQCC target segment, instant virtual-card issuance after digital confirmation, and physical-card delivery within a maximum of seven days. Applications are available through PNB ONE, Internet Banking or PNB's credit-card website; variant availability is pre-qualified and cannot be changed in the journey.Annual / renewal feeNil annual fee.
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Quick eligibility check

PNB Visa Classic Credit Card

0 of 6 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Does your annual income meet this requirement: PNB does not publish one universal income floor for PQCC?

Published source: Minimum income / PQCC bands

2Are you this type of customer: Published target bands are: staff/ex-staff and salaried or PNB housing/car/personal-loan borrowers ₹10,000–₹50,000 for RuPay Platinum/Visa Classic and ₹50,000–₹5 lakh for RuPay Select/Visa Platinum?

Published source: Minimum income / PQCC bands

3Do you meet this requirement: Rakshak Plus customers ₹25,000–₹5 lakh for Rakshak Platinum and ₹50,000–₹5 lakh for Rakshak Select?

Published source: Minimum income / PQCC bands

4Do you meet this requirement: QAB customers ₹60,000–₹2 lakh for RuPay Select/Visa Platinum?

Published source: Minimum income / PQCC bands

5Do you meet this requirement: PNB also requires a quarterly average balance of at least ₹50,000 for the QAB segment?

Published source: Minimum income / PQCC bands

6Document checkDo you have this required document or proof: PNB card application, KYC and income documents?

Published source: Eligibility
0 of 6 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 30 Aug 2026 · active
Offered byPunjab National Bank

India and international Visa acceptance

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 feeNil annual fee.View source
PNB lists nil annual fee for Visa Classic.
Source
PNB PreQualified Credit Card (PQCC)
Page / section
Card Variant Features — Visa Classic
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Fee waiverNil joining fee and nil annual fee under PQCC.View source
PNB states nil joining fee for the PQCC target segment and nil annual fee for Visa Classic.
Source
PNB PreQualified Credit Card (PQCC)
Page / section
Target segment and Card Variant Features — Visa Classic
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Minimum income / PQCC bandsPNB does not publish one universal income floor for PQCC. Published target bands are: staff/ex-staff and salaried or PNB housing/car/personal-loan borrowers ₹10,000–₹50,000 for RuPay Platinum/Visa Classic and ₹50,000–₹5 lakh for RuPay Select/Visa Platinum; Rakshak Plus customers ₹25,000–₹5 lakh for Rakshak Platinum and ₹50,000–₹5 lakh for Rakshak Select; QAB customers ₹60,000–₹2 lakh for RuPay Select/Visa Platinum. PNB also requires a quarterly average balance of at least ₹50,000 for the QAB segment.View source
The page publishes customer segment, limit and card-variant bands, a ₹10,000 minimum card limit, and eligibility at ₹50,000.
Source
PNB PreQualified Credit Card (PQCC)
Page / section
Features table and target segment
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
EligibilityPQCC is offered only to selected existing PNB customers: salary-account customers, staff/ex-staff, Rakshak Plus customers, PNB housing/car/personal-loan borrowers and customers with QAB of at least ₹50,000. PNB checks age, educational qualification, gross annual income, CIBIL score, no 90+ days-past-due event in the last 12 months, no overdue, no written-off/settled/suit-filed amount, CIBIL enquiries and no live PNB card. CIBIL must be 700 or above (or 0/−1 where stated) for staff, ex-staff, salaried and Rakshak Plus customers, and 750 or above for housing/car/personal-loan borrowers and QAB customers.View source
The names the target segments and nine eligibility checks, including segment-specific thresholds and recent delinquency screening.
Source
PNB PreQualified Credit Card (PQCC)
Page / section
1 — prerequisites and nine eligibility criteria
Accessed
4 Sept 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
Open official source ↗
Rewards1 reward point for every ₹100 spent.View source
PNB publishes one reward point on every ₹100 spend for Visa Classic.
Source
PNB PreQualified Credit Card (PQCC)
Page / section
Card Variant Features — Visa Classic
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
PQCC offer and issuanceNo joining fee for the PQCC target segment, instant virtual-card issuance after digital confirmation, and physical-card delivery within a maximum of seven days. Applications are available through PNB ONE, Internet Banking or PNB's credit-card website; variant availability is pre-qualified and cannot be changed in the journey.View source
PNB states nil joining fee for the target segment, instant virtual issuance and physical delivery within seven days.
Source
PNB PreQualified Credit Card (PQCC)
Page / section
Target segment, digital process and
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
NetworkVisa Classic.View source
The PQCC offered-variant table names Visa Classic.
Source
PNB PreQualified Credit Card (PQCC)
Page / section
Offered variants and Card Variant Features — Visa Classic
Accessed
4 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • Nil joining fee
  • Nil annual fee
  • 1 reward point per ₹100
  • Fuel-surcharge waiver and merchant offers
  • Cash advance, revolving credit, and auto-debit facilities

Eligibility

  • The shared variant page does not publish a separate numeric income or age threshold; issuer approval applies.

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

Documents the bank lists

  • PNB card application, and income documents

Related official documents

PNB Credit Card Portal — current card-type catalogueofficial-credit-card-catalogue · current · accessed 5 Oct 2026
↗
PNB revised credit-card service charges effective 1 November 2026official-future-effective-credit-card-fee-schedule-pdf · all-seven-pages-text-and-visual-review-complete · accessed 8 Oct 2026
↗
PNB Schedule of Fees & Charges for Credit Cardofficial-pdf · current · accessed 12 Sept 2026
↗
PNB Pre-Qualified Credit Card — variant featuresofficial-product-page · current · accessed 30 Aug 2026
↗
PNB PreQualified Credit Card (PQCC)official-product-page · current · accessed 4 Sept 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

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.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

RuPay Platinum · Published termsNil joining; ₹500 annual fee waived with quarterly use; 1 point/₹100; domestic/international lounge; insurance up to ₹2 lakh

This value is copied from PNB Pre-Qualified Card variants — published terms. Check the table notes before relying on it.

Source: PNB Pre-Qualified Credit Card · Card Variant Features Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 6 rows · 2 columnsPNB Pre-Qualified Card variants — published termsShared PNB variant fees, rewards, network and benefits.View tableHide table

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PNB Pre-Qualified Card variants — published terms
VariantPublished terms
RuPay PlatinumNil joining; ₹500 annual fee waived with quarterly use; 1 point/₹100; domestic/international lounge; insurance up to ₹2 lakh
Rakshak RuPay PlatinumNil joining; ₹500 annual fee waived with quarterly use; 1 point/₹100; insurance up to ₹2 lakh
Rakshak RuPay SelectNil joining; ₹750 annual fee waived with quarterly use; 2 points/₹150; domestic/international lounge; insurance up to ₹10 lakh
Visa ClassicNil joining and annual fee; 1 point/₹100; fuel-surcharge waiver
Visa PlatinumNil joining; ₹500 annual fee waived only when all three usage/quarterly/regularity conditions are met; 2 points/₹150
/finance/forex/incomeNot published for these variants on the reviewed PQCC page
PNB Pre-Qualified Credit Card · Card Variant Features · accessed 30 Aug 2026Open official source ↗
Table 2 · 7 rows · 3 columnsPNB PreQualified Credit Card: customer segment, limit and variantTable transcribed from the current PNB PQCC page; ranges are sanctioned-limit bands, not universal income thresholds.View tableHide table

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PNB PreQualified Credit Card: customer segment, limit and variant
Customer segmentPublished limit bandCard variant
Staff / ex-staff₹10,000–₹50,000RuPay Platinum; Visa Classic
Staff / ex-staff₹50,000–₹10 lakhRuPay Select; Visa Platinum
Salaried; housing/car/personal-loan borrower₹10,000–₹50,000RuPay Platinum; Visa Classic
Salaried; housing/car/personal-loan borrower₹50,000–₹5 lakhRuPay Select; Visa Platinum
PNB Rakshak Plus₹25,000–₹5 lakhRuPay Rakshak Platinum
PNB Rakshak Plus₹50,000–₹5 lakhRuPay Rakshak Select
-based customer ( ≥ ₹50,000)₹60,000–₹2 lakhRuPay Select; Visa Platinum
  • Minimum PQCC card limit is ₹10,000; maximum is ₹5 lakh for customers and ₹10 lakh for staff/ex-staff.
  • Eligibility is pre-qualified and also requires all nine checks in the .
PNB PreQualified Credit Card (PQCC) · Features table and 1 · accessed 4 Sept 2026Open official source ↗
Table 3 · 6 rows · 5 columnsPNB PQCC variant benefits and feesVariant-specific fees and published benefit points from the Card Variant Features section.View tableHide table

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PNB PQCC variant benefits and fees
VariantJoining feeAnnual fee / waiverRewardsInsurance / lounge
RuPay SelectNil₹750; waived with one use each quarter2 points / ₹150Up to ₹10 lakh cover; domestic and international lounge
RuPay PlatinumNil₹500; waived with one use each quarter1 point / ₹100Up to ₹2 lakh cover; domestic and international lounge
Visa ClassicNilNil1 point / ₹100Not published
Visa PlatinumNil₹500; three cumulative waiver conditions2 points / ₹150Not published
RuPay Platinum RakshakNil₹500; waived with one use each quarter1 point / ₹100Up to ₹2 lakh cover
RuPay Select RakshakNil₹750; waived with one use each quarter2 points / ₹150Up to ₹10 lakh cover; domestic and international lounge
  • All values are as published on the PQCC page; network/issuer terms and the schedule of fees continue to apply.
PNB PreQualified Credit Card (PQCC) · Card Variant Features · accessed 4 Sept 2026Open official source ↗
Table 4 · 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 rulePublished amount or condition
Finance charge2.95% 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 transactionNil markup for Metal Card Luxura (RuPay/Visa); 3.50% for all other cards over the currency-conversion rate
Fuel surcharge1% of fuel transaction amount, exclusive of taxes, refunded for ₹400–₹4,000 transactions up to ₹350 per statement cycle
Free interest period20–50 days on retail purchases when the previous month's balance is cleared in full; not applicable after cash withdrawal
Minimum amount due5% of total amount due, or another amount PNB determines; amounts are added in full
Cash-advance limit20% of the credit limit
PNB plan2% 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 5 · 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
channelCard group as named in the noticeExisting charge shown by PNBRevised 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 Select2% 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 CardCash 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 personnel2% 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 Platinum2% 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 Select2% 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 card2% 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 Select2% 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 EnterprisesNot applicable ().The revised column states the general /RuPay rate; it does not separately restate the existing entry.
Domestic, PNB Classic, Gold, Platinum and Signature2% 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 liabilityNot 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 Select2% 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 CardCash 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 personnel2% 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 Platinum2% 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 Select2% 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 SelectPlatinum: 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 EnterprisesNot 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 Platinum2% 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 liabilityNot 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 Select2% 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 CardCash 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 personnel2% 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 Platinum2% 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 Select2% 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 SelectPlatinum: 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 EnterprisesNot applicable ().The revised column states the general /RuPay rate; it does not separately restate the existing entry.
Overseas Classic, Gold, Platinum and Signature2% 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 liabilityNot 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 6 · 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
ChargeExisting fee/condition shown by PNBRevised fee/condition effective 1 November 2026
Late payment — general /RuPay variantsTotal 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 deposit30% 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 redemptionNil.For /RuPay credit-card variants: ₹99 per redemption request.
Utility-bill paymentsNil.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 ↗

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