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Punjab National Bank
PNB Classic Visa Credit Card Against FD
Visa
PNB Classic Visa Credit Card Against FD
The Visa counterpart to PNB's FD-secured lineup, offering the same ₹13,000 minimum deposit and 80% advance rate as the RuPay Platinum variant but on the more widely-accepted Visa network — a sensible pick for anyone who occasionally needs international acceptance.
Rates and fees last verified 15 July 2026 · No bank pays us to rank higher.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
0.5%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar. It's a lifetime-free card with no fee to track.
Benefits by category
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
Benefits
- Credit limit of up to 80% of combined PNB fixed deposits (minimum ₹13,000)
Pros
- + Same low ₹13,000 minimum FD as PNB's other secured variants
- + Visa network gives broader domestic and international acceptance than RuPay
- + No income proof or credit check
Cons
- − Credit limit capped at 80% of FD value
- − Base-tier rewards well below PNB's unsecured cards
- − Age eligibility runs 18-75, but other underwriting details vary by branch