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Punjab National PNB RRB Co-branded Credit Card
The Punjab National PNB RRB Co-branded Credit Card costs Rs 499 a year, waived if you spend Rs 2,00,000 in a year. The forex markup is 3.5%. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Rs 499+ GST
- Fee waived at
- Rs 2,00,000annual spend
- Base return
- —
- Forex markup
- 3.5%
- Interest
- 2.95%a month
What changed on this card
- PNB credit card charges rise from 1 Nov 2026: cash, late fee, rewards
From 1 November 2026, PNB Visa and RuPay credit cards pay 2.5% on cash advances, late fees up to Rs 1,200, Rs 99 per reward redemption and 1% on utility bills above Rs 50,000 a cycle.
- PNB credit cards add 1% fee on utility payments above Rs 50,000, Nov 2026
From 1 November 2026 utility payments above Rs 50,000 in a billing cycle carry a 1% charge, at most Rs 2,000 per transaction. It was nil before. Source: Punjab National Bank, creditcard.pnb.bank.in, read 28 Oct 2026
- PNB credit cards add Rs 99 fee per reward redemption, Nov 2026
From 1 November 2026 each reward redemption request on PNB Visa and RuPay credit cards costs Rs 99 plus GST. It was nil before. Source: Punjab National Bank, creditcard.pnb.bank.in, read 28 Oct 2026
- PNB credit cards raise returned payment fee to 2% of amount, Nov 2026
From 1 November 2026 a returned cheque or failed ECS or auto debit costs 2% of the payment amount with a minimum of Rs 400. Before, it was Rs 100 per instrument on Visa Classic and Gold, Rs 250 on Visa Platinum and Signature, and Rs 200 on the other variants. Source: Punjab National Bank, creditcard.pnb.bank.in, read 28 Oct 2026
- PNB credit cards reset late payment fee bands, Nov 2026
From 1 November 2026 late fee on Total Amount Due is nil up to Rs 500, Rs 500 up to Rs 1,000, Rs 750 up to Rs 10,000, Rs 1,000 up to Rs 50,000 and Rs 1,200 above. Before, it was nil up to Rs 1,000, then Rs 500, Rs 600 and Rs 750 above Rs 10,000. Source: Punjab National Bank, creditcard.pnb.bank.in, read 28 Oct 2026
- PNB credit cards raise cash advance fee to 2.5%, Nov 2026
From 1 November 2026 cash advance on PNB Visa and RuPay credit cards is 2.5% of the amount or Rs 400 at PNB ATMs, Rs 500 at other domestic ATMs and Rs 500 at overseas ATMs, whichever is higher. Before, it was 2% with minimums from Rs 100 to Rs 300 depending on the variant and ATM. Source: Punjab National Bank, creditcard.pnb.bank.in, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Rs 499 |
|---|---|
| Annual fee | Rs 499 |
| Annual spend that waives the fee | Rs 2,00,000 |
| Fee notes | Joining fee Rs 499 reimbursed on minimum spend of Rs 2,000 within 30 days of activation (nil for RRB staff). Annual fee Rs 499 waived on spends of Rs 2 lakh in the previous year (for RRB staff: waived if used once each quarter). Add-on cards free. |
Travel and perks
| Forex markup | 3.5% |
|---|
Charges and eligibility
| Interest per month | 2.95% |
|---|---|
| Late payment fee | Total due up to Rs 1,000: Nil; Rs 1,001-5,000: Rs 500; Rs 5,001-10,000: Rs 600; above Rs 10,000: Rs 750 |
| Cash advance fee | 2% or Rs 150 (PNB ATMs) / Rs 200 (other domestic ATMs) / Rs 300 (overseas), whichever is higher; cash limit 20% of credit limit |
| Eligibilityunverified | Customers and staff of PNB-sponsored Regional Rural Banks |
| Fine-print notes | Documented only from the schedule of fees and charges; no product page found on the card site. Rewards, lounge, fuel waiver and network are not published there. Network assumed RuPay because the row sits among RuPay cards in the schedule. |
Questions
- What is the annual fee of the Punjab National PNB RRB Co-branded Credit Card?
- Rs 499 a year, before GST. It is waived if you spend Rs 2,00,000 in a year.
- What is the forex markup on the Punjab National PNB RRB Co-branded Credit Card?
- 3.5% of each foreign-currency transaction, before GST.