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Punjab National Bank
PNB Global Credit Card
Visa
PNB Global Credit Card
PNB Global is the bank's no-fee Visa-network entry card for customers who want wider international acceptance than RuPay offers, with a basic 1 point per ₹100 reward rate and air accident cover.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.25%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in travel. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 0.25% base rate
Benefits by category
- 🛡️ Insurance
Air accident cover up to ₹5 lakh while travelling on a common carrier
- ⛽ Fuel
1% fuel surcharge waiver on transactions between ₹400 and ₹3,000, capped at ₹350 per statement cycle
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹20,833
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Foreign currency markup: 3.5%
- Fuel surcharge waiver: 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹3,000, capped at ₹350 per statement cycle
Benefits
- 1% fuel surcharge waiver on transactions between ₹400 and ₹3,000, capped at ₹350 per statement cycle
- Air accident cover up to ₹5 lakh while travelling on a common carrier
Pros
- + Wider international acceptance than RuPay variants
- + Air accident cover for travellers
- + No joining or annual fee
Cons
- − Forex markup is on the higher side (3.5%) for a travel-oriented card
- − No lounge access
- − Low reward rate: 1 point per ₹100 (about 0.25%)