Verified EntityPUBLIC SECTOR BANK
Punjab National Bank
Punjab National Bank • RBI SCHEDULED COMMERCIAL BANK • MITC Verified
Active Cards18Verified Products
Lifetime Free4Zero Annual Fee
Lounge Access11Airport Lounges
Debit Cards3Audited Catalog
CardIntel Overview:
Punjab National Bank issues a verified suite of credit and payment products across RuPay, Visa, and Mastercard with audited schedules of charges.
▼ Downgraded
PNB RuPay SelectScore 57/100• Limited
ROI: +940%
Joining Fee₹500
Annual Fee
₹750/yr
Reward TypePNB Rewardz Points
Best SuitedPREMIUM
Key Reward: 2 Reward Points per ₹100 spent
300 Bonus Reward Points upon first card usage within 90 daysRuPay UPI Enabled
Verified 1 Sep 2026 • Bank MITC
100% Deterministic Provenance
▼ Downgraded
PNB RuPay PlatinumScore 56/100• Limited
ROI: +1,370%
Joining Fee₹0 (Free)
Annual Fee
₹500/yr
Reward TypePNB Rewardz Points
Best SuitedREWARDS
Key Reward: 2 Reward Points per ₹100 spent
RuPay UPI Enabled
Verified 1 Sep 2026 • Bank MITC
100% Deterministic ProvenanceMILLENNIA
Punjab National Bank
Verified Card
MITC VerifiedCARDINTEL VERIFIED
▼ Downgraded
PNB Millennial Credit CardScore 57/100• Limited
₹0 Cost (Fee Waived)
Joining Fee₹399
Annual Fee
₹999/yrWaived at ₹1L/yr
Reward TypePNB Rewardz Points
Best SuitedLIFESTYLE
Key Reward: 2 Reward Points per ₹100 spent
300 Bonus Reward Points upon first card usage within 90 days
Verified 1 Sep 2026 • Bank MITC
100% Deterministic ProvenancePNB Visa Signature Credit Card
Punjab National Bank
Verified Card
MITC VerifiedCARDINTEL VERIFIED
★ New Card
PNB Visa Signature Credit CardScore 61/100• Moderate
₹0 Cost (Fee Waived)
Joining Fee₹1,500
Annual Fee
₹2,000/yrWaived at ₹1.5L/yr
Reward TypePNB Rewardz Points
Best SuitedSUPER PREMIUM
Key Reward: 2 Reward Points per ₹100 spent
Verified 1 Sep 2026 • Bank MITC
100% Deterministic ProvenancePNB Visa Platinum Credit Card
Punjab National Bank
Verified Card
MITC VerifiedCARDINTEL VERIFIED
★ New Card
PNB Visa Platinum Credit CardScore 52/100• Limited
₹0 Cost (Fee Waived)
Joining Fee₹500
Annual Fee
₹500/yrWaived at ₹50,000/yr
Reward TypePNB Rewardz Points
Best SuitedPREMIUM
Key Reward: 2 Reward Points per ₹100 spent
Verified 1 Sep 2026 • Bank MITC
100% Deterministic ProvenancePNB Wave n Pay Platinum Credit Card
Punjab National Bank
Verified Card
MITC VerifiedCARDINTEL VERIFIED
★ New Card
PNB Wave n Pay Platinum Credit CardScore 47/100• Weak
₹0 Cost (Fee Waived)
Joining Fee₹500
Annual Fee
₹500/yrWaived at ₹50,000/yr
Reward TypePNB Rewardz Points
Best SuitedREWARDS
Key Reward: 2 Reward Points per ₹100 spent
Verified 1 Sep 2026 • Bank MITC
100% Deterministic ProvenancePNB Visa Gold Credit Card
Punjab National Bank
Verified Card
MITC VerifiedCARDINTEL VERIFIED
★ New Card
PNB Visa Gold Credit CardScore 46/100• Weak
₹0 Cost (Fee Waived)
Joining Fee₹300
Annual Fee
₹300/yrWaived at ₹30,000/yr
Reward TypePNB Rewardz Points
Best SuitedREWARDS
Key Reward: 2 Reward Points per ₹100 spent
Verified 1 Sep 2026 • Bank MITC
100% Deterministic ProvenancePNB Visa Classic Credit Card
Punjab National Bank
Verified Card
MITC VerifiedCARDINTEL VERIFIED
★ New Card
PNB Visa Classic Credit CardScore 46/100• Weak
₹0 Cost (LTF)
Joining Fee₹0 (Free)
Annual Fee
Lifetime Free
Reward TypePNB Rewardz Points
Best SuitedENTRY LEVEL
Key Reward: 2 Reward Points per ₹100 spent
Verified 1 Sep 2026 • Bank MITC
100% Deterministic ProvenancePNB LUXURA RuPay Metal Credit Card
Punjab National Bank
Verified Card
MITC VerifiedCARDINTEL VERIFIED
▲ Upgraded
PNB LUXURA RuPay Metal Credit CardScore 66/100• Moderate
ROI: +92%
Joining Fee₹9,000
Annual Fee
₹7,500/yrWaived at ₹8L/yr
Reward TypePNB Rewardz Points
Best SuitedSUPER PREMIUM
Key Reward: 2 Reward Points per ₹100 spent
40,000 Bonus PNB Rewardz Points (₹10,000 value) + HoteLux Elite Plus MembershipZero Forex MarkupRuPay UPI Enabled
Verified 1 Sep 2026 • Bank MITC
100% Deterministic ProvenancePNB Visa LUXURA Metal Credit Card
Punjab National Bank
Verified Card
MITC VerifiedCARDINTEL VERIFIED
▲ Upgraded
PNB Visa LUXURA Metal Credit CardScore 66/100• Moderate
ROI: +92%
Joining Fee₹9,000
Annual Fee
₹7,500/yrWaived at ₹8L/yr
Reward TypePNB Rewardz Points
Best SuitedSUPER PREMIUM
Key Reward: 2 Reward Points per ₹100 spent
40,000 Bonus PNB Rewardz Points (₹10,000 value) + HoteLux Elite Plus MembershipZero Forex Markup
Verified 1 Sep 2026 • Bank MITC
100% Deterministic ProvenancePNB Patanjali RuPay Select
Punjab National Bank
Verified Card
MITC VerifiedCARDINTEL VERIFIED
★ New Card
PNB Patanjali RuPay SelectScore 58/100• Limited
₹0 Cost (Fee Waived)
Joining Fee₹499
Annual Fee
₹499/yrWaived at ₹1L/yr
Reward TypePNB Rewardz Points
Best SuitedCO BRAND
Key Reward: 2 Reward Points per ₹100 spent
Verified 1 Sep 2026 • Bank MITC
100% Deterministic ProvenancePNB Kiwi RuPay Select
Punjab National Bank
Verified Card
MITC VerifiedCARDINTEL VERIFIED
▲ Upgraded
PNB Kiwi RuPay SelectScore 52/100• Limited
₹0 Cost (LTF)
Issued by:Punjab National BankPlatform:Kiwi
Joining Fee₹0 (Free)
Annual Fee
Lifetime Free
Reward TypeKiwis
Best SuitedUPI COBRAND
Key Reward: 2 Reward Points per ₹100 spent
RuPay UPI Enabled
Verified 1 Sep 2026 • Bank MITC
100% Deterministic ProvenancePNB Rakshak RuPay Select
Punjab National Bank
Verified Card
MITC VerifiedCARDINTEL VERIFIED
★ New Card
PNB Rakshak RuPay SelectScore 59/100• Limited
₹0 Cost (LTF)
Joining Fee₹0 (Free)
Annual Fee
Lifetime Free
Reward TypePNB Rewardz Points
Best SuitedDEFENCE
Key Reward: 2 Reward Points per ₹100 spent
300 Bonus Reward Points upon first card usage within 90 days
Verified 1 Sep 2026 • Bank MITC
100% Deterministic ProvenancePNB Patanjali RuPay Platinum Credit Card
Punjab National Bank
Verified Card
MITC VerifiedCARDINTEL VERIFIED
★ New Card
PNB Patanjali RuPay Platinum Credit CardScore 42/100• Weak
ROI: +99.8%
Joining Fee₹500
Annual Fee
₹500/yr
Reward TypePNB Rewardz Points
Best SuitedCO BRAND
Key Reward: 2 Reward Points per ₹100 spent
RuPay UPI Enabled
Verified 1 Sep 2026 • Bank MITC
100% Deterministic ProvenancePNB Rakshak RuPay Platinum Credit Card
Punjab National Bank
Verified Card
MITC VerifiedCARDINTEL VERIFIED
★ New Card
PNB Rakshak RuPay Platinum Credit CardScore 46/100• Weak
₹0 Cost (Fee Waived)
Joining Fee₹500
Annual Fee
₹500/yrWaived at ₹25,000/yr
Reward TypePNB Rewardz Points
Best SuitedDEFENCE
Key Reward: 2 Reward Points per ₹100 spent
RuPay UPI Enabled
Verified 1 Sep 2026 • Bank MITC
100% Deterministic ProvenancePNB Parakram Credit Card
Punjab National Bank
Verified Card
MITC VerifiedCARDINTEL VERIFIED
★ New Card
PNB Parakram Credit CardScore 57/100• Limited
₹0 Cost (LTF)
Joining Fee₹0 (Free)
Annual Fee
Lifetime Free
Reward TypePNB Rewardz Points
Best SuitedDEFENCE
Key Reward: 5 RP per ₹100 (Max 1,000 pts/mo) on CSD, Grocery & Departmental Stores (5X) • 1 RP per ₹100 on general retail; 5X on CSD & groceries (capped at 1,000 pts/mo)
Verified 1 Sep 2026 • Bank MITC
100% Deterministic ProvenancePNB RRB Co-Branded RuPay Select Credit Card
Punjab National Bank
Verified Card
MITC VerifiedCARDINTEL VERIFIED
★ New Card
PNB RRB Co-Branded RuPay Select Credit CardScore 60/100• Moderate
₹0 Cost (Fee Waived)
Joining Fee₹499
Annual Fee
₹499/yrWaived at ₹2L/yr
Reward TypePNB Rewardz Points
Best SuitedCO BRAND
Key Reward: 2 Reward Points per ₹100 spent
Annual OTT Subscription (Prime/Hotstar) + 3 months Swiggy One + Cult.Fit LiveRuPay UPI Enabled
Verified 1 Sep 2026 • Bank MITC
100% Deterministic Provenance
★ New Card
PNB Zaggle Co-Branded Twin Credit CardScore 60/100• Moderate
₹0 Cost (Fee Waived)
Joining Fee₹499
Annual Fee
₹499/yrWaived at ₹1.5L/yr
Reward TypeZagg Coins
Best SuitedCO BRAND
Key Reward: 2 Reward Points per ₹100 spent
Annual OTT Subscription (Prime/JioHotstar) + 3 months Swiggy One + BookMyShow BOGO
Verified 1 Sep 2026 • Bank MITC
100% Deterministic ProvenanceMastercard Platinum Debit Card
Punjab National Bank
Verified Card
MITC VerifiedCARDINTEL VERIFIED
★ New CardDebit CardFeatured ConsumerScore 55/100Spend-Gated Lounge
Mastercard Platinum Debit Card• Punjab National Bank
Annual Fee₹250 + GST
Lounge Access1 visit/quarter
Forex Markup3.5%
NetworkMastercard • Platinum
Key Advantage: Airport lounge access with Mastercard dining deals and PNB Rewardz
Domestic airport lounge access across key Indian hubsMastercard Moments dining privileges and entertainment offers
Verified • Bank MITC
Bank Terms
▼ DowngradedDebit CardFeatured ConsumerScore 63/100Spend-Gated Lounge
RuPay Platinum Debit Card• Punjab National Bank
Annual Fee₹250 + GST
Lounge Access2 visits/year
Forex Markup3.5%
NetworkRuPay • Platinum
Key Advantage: Low-cost government bank card with domestic airport lounge access and NPCI cover
2 complimentary domestic airport lounges per yearAccidental insurance cover up to ₹2 Lakh provided by NPCI
Verified • Bank MITC
Bank Terms
▼ DowngradedDebit CardFeatured ConsumerScore 57/100
RuPay Select Debit Card• Punjab National Bank
Annual Fee₹750 + GST (Joining: ₹500; annual fee waived on 1 swipe/quarter)
Lounge Access1 visit/quarter
Forex Markup3.5%
NetworkVisa • Select
Key Advantage: Accessible RuPay Select wellness stack with fee waiver on just 1 swipe per quarter
Verified • Bank MITC
Bank Terms