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Punjab National Bank
PNB Visa Signature Credit Card
Visa
PNB Visa Signature Credit Card
PNB's Visa Signature is an older international card that charges ₹1,500 to join and ₹2,000 a year (waived on ₹3 lakh spend) but returns just 0.5% in points and includes no lounge access. Its main draw is Visa Signature acceptance and concierge for PNB customers with ₹7.5 lakh annual income.
Annual fee
₹2,000
Joining fee
₹1,500
Reward type
points
Base reward rate
0.5%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to applicants who clear the standard eligibility bar. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.5% base rate
- Reward redemption: Points redeemable (minimum 1,000 points) at 1 point = ₹0.25
- Domestic lounge access: Not offered
- International lounge access: Not offered
Benefits by category
- 🏨 Hotel
24x7 concierge for flight bookings and hotel reservations
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum monthly income: ₹62,500
- Employment: salaried, self-employed
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹3,00,000
- Foreign currency markup: 3.5%
- Interest rate: 2.95% p.a.
- Fuel surcharge waiver: 1% fuel surcharge refund on fuel transactions between ₹400 and ₹4,000, capped at ₹350 per statement cycle
- Cash advance charges: 2% of amount withdrawn, minimum ₹100 at PNB ATMs, ₹150 at other domestic ATMs, ₹300 overseas; interest at 2.95% p.m.
Benefits
- 24x7 concierge for flight bookings and hotel reservations
- 2 reward points per ₹100 spent, worth ₹0.25 each
Pros
- + Visa Signature acceptance and 24x7 concierge
- + Annual fee waived on ₹3 lakh yearly spend
- + Free add-on card renewals
Cons
- − No airport lounge access despite a ₹2,000 fee
- − Only 0.5% value back in points
- − 3.5% forex markup