PNB Visa Gold Card
A Visa card with no joining fee and a ₹300 annual fee: 1 reward point per ₹100 at ₹0.25 a point (0.25%), no lounge access. 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 | ₹300 plus GST Product page |
| Annual fee waiver | None on record |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | 3.5% of the transaction, plus GST Fee schedule |
| The annual fee is waived only if the previous year's card use exceeds the credit limit, there is a retail transaction (not fuel or cash) in every calendar quarter, and the account has never been irregular. | |
| 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: none on record
- Fuel: 1% fuel surcharge waived on fills above ₹400 and below ₹4,000, up to ₹350 a billing cycle MITC
Eligibility
- Age 21 or above Terms
- Age 70 or below Terms
- Salaried: annual income of ₹3.5 lakh or more Product page
- Self-employed: annual income of ₹3.5 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)
- lounge access (the page says NIL)
Where Punjab National Bank’s documents differ, and what is used
- Fuel surcharge waiver: the MITC and schedule of fees give 1% on fills of ₹400 to ₹4,000 (₹350 a cycle); PNB's Fuel Surcharge Waiver page lists ₹400 to ₹3,000 for Visa Gold. The MITC range 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
25 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.300/-”
“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 : 1pt on Rs 100”
“Individuals who satisfy the eligibility criteria as laid down can apply for PNB Credit Card.”
“Waiver on Fee : Annual fee shall be waived in case a Credit Card account meets all following conditions: -If the usage of card, in preceding year, is more than the credit limit of the card -There is at least one retail transaction [i.e., other than fuel or cash withdrawal] in every calendar quarter. -Account has never been irregular in past.”
“VISA - GOLD 419789 - Earn 1 (One) point for every INR 100 spent.”
“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 Visa Gold 400 3000”
“A charge of 99/- plus applicable GST will be levied for each redemption/claim of reward points.”
“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.”
“i) Age Criteria: The applicant should be between the age of 21 years and up to 70 years.”
“Eligibility - Income : Annual income of Rs.3.50 Lacs p.a.”
“APPLY CREDIT CARD ONLINE”
“PNB VISA Gold Card”
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