PNB BLISS Card
A RuPay lifestyle card with no joining fee and a ₹510 annual fee (waived on ₹1 lakh of spend): 1 reward point per ₹100 at ₹0.25 a point (0.25%), quarterly Nykaa, cab and movie vouchers, OTT and Swiggy One memberships, and lounge visits. Every figure below is copied from Punjab National Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-21.
Not on record from an official document: the list of spends that earn no reward. CardWise does not estimate these.
Fees and charges
| Joining fee | Nil Product page |
|---|---|
| Annual fee | ₹510 plus GST Product page |
| Annual fee waiver | On ₹1,00,000 of spend in the year Product page |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | 3.5% of the transaction, plus GST Fee schedule |
| Reward redemption fee | ₹99 plus GST MITC |
Rewards
Reward points, ₹0.25 each when redeemed as stated Product page.
| Spend | Earns | Cap |
|---|---|---|
| All eligible spends | 1 point per ₹100 Product page | no cap on record |
Points are redeemed from 1,000 upwards on PNB Rewardz (catalogue, vouchers or cashback) and expire after 3 years; a ₹99 + GST fee applies to each redemption from 1 Nov 2026.
Benefits
- Lounges: Complimentary lounge access: 4 domestic visits a year (1 a quarter) and 1 international visit a year Product page
- Fuel: 1% fuel surcharge waived on fills above ₹400 and below ₹4,000, up to ₹350 a billing cycle MITC
Also on this card
Quoted from Punjab National Bank; not counted in the net value.
- Nykaa discount voucher worth ₹500 every quarter Product page
- Ola or Uber voucher worth ₹100 every quarter Product page
- ₹250 off on BookMyShow (2 tickets or more) every quarter Product page
- 3 months of Swiggy One each year Product page
- One OTT membership a year (Amazon Prime, Hotstar, Zee5 or SonyLiv) Product page
- Annual health check-up Product page
- One spa session a year Product page
- Personal accident insurance of ₹2 lakh Product page
Eligibility
- Age 21 or above Terms
- Age 70 or below Terms
- Salaried: annual income of ₹3.6 lakh or more Product page
- Self-employed: annual income of ₹3.6 lakh or more Product page
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by Punjab National Bank in the documents read
- the spends that earn no reward points
- reward rates for specific categories
- the GST rate (fees are plus GST)
Where Punjab National Bank’s documents differ, and what is used
- Joining fee: the card page says NIL; the schedule of fees and the KFS list ₹510, marked as waived as a first-year promotional offer and as applying to existing cardholders moving to this card. The page's NIL is used.
- Point value: the card page, the MITC and PNB's notice of 1 Sep 2024 give ₹0.25 a point; the older Rewards Program page still says ₹0.50 (50 paise). The ₹0.25 rate is used.
The quotes behind the figures
36 figures, each copied from an official Punjab National Bank document.
Show every quote and source
“Joining Fee - Primary Card : NIL”
“Annual Fees - Primary Card : Rs.510/-”
“Waiver on Fee : Annual fee waived if the annual spends on the card is equal to or above Rs 1.00 Lakh in the preceding year”
“Nil markup for PNB metal card "Luxura"(RuPay/VISA) & 3.50% markup for all other card, over and above the currency”
“Value of reward points : 1 pt = Rs.0.25”
“Reward Points : 1 pt on Rs 100”
“Individuals who satisfy the eligibility criteria as laid down can apply for PNB Credit Card.”
“PNB Bliss RuPay Platinum- 510/- *, &”
“* Waiver as a promotional offer for first year”
“& Joining fees is applicable for existing cardholder applying for this card variant, including staff.”
“Zero for Luxura (Visa & RuPay) & 3.50% of the transaction value for all cards over and above the currency conversion rate.”
“Between Rs. 400/- to Rs. 4,000/- with maximum up to Rs 350/- per Statement Cycle.”
“NIL For VISA/RuPay Credit Card Variants 99 per redemption request.”
“Presently the Value of 1reward point is 25 paise”
“Effective 1st September 2024, value of 1 (One) PNB Credit Card Reward Point will be Rs. 0.25.”
“1 (One) Reward Point is worth INR 0.50 (50 paise).”
“Reward points can be redeemed provided a minimum of 1000 points are redeemed by request in writing”
“The reward points on Credit Cards will be expired if not redeemed within 3 years from the date”
“GST, as notified by the Government of India, is applicable on all fees, interest and other charges”
“PNB RuPay Credit Cards can now be linked on UPI.”
“A charge of 99/- plus applicable GST will be levied for each redemption/claim of reward points.”
“Domestic: 4 Complimentary visits (1 per quarter) & International: 1 Complimentary visit Per Year.”
“1% on single fuel transaction of amount greater than Rs.400 & less than Rs.4000/-.”
“Maximum surcharge waiver up to Rs. 350/- within a billing cycle exclusive of service tax and other charges.”
“Discount Voucher of Nykaa worth ₹500/-, once per quarter.”
“Discount Voucher of Ola/ Uber (any one) worth ₹100/-, once per quarter.”
“Flat Rs. 250/- off on BookMyShow on minimum purchase of 2 tickets, once per quarter.”
“3 Months complimentary membership of Swiggy-One, once per annum.”
“Complimentary membership of Amazon Prime/ Hotstar/ Zee5/ SonyLiv (any one), once per annum.”
“Complimentary Health Check-up including Pap Smear & Blood Tests, once per annum.”
“Complimentary SPA service at Tattva, Four Fountains, HR Wellness, Lakme Salon (any one), once per annum.”
“Personal Accident Insurance in case of death and permanent total disability Rs 2.00 Lacs.”
“i) Age Criteria: The applicant should be between the age of 21 years and up to 70 years.”
“Eligibility - Income : Annual income of Rs 3.60 lacs p.a and above”
“APPLY CREDIT CARD ONLINE”
“PNB Bliss RuPay Platinum-510/- **”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with Punjab National Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is Punjab National Bank’s own file from its website, unaltered, fetched 2026-10-21. Methodology