|Best For||Card Name|
|Fuel||No particular card for fuel.|
|Travel||No Particular card that’s perfect for travel|
|Family||PNB Global Platinum Credit Card, PNB Global Gold Credit Card, PNB Global Classic Credit Card|
|Premium||No particular card for lifestyle|
|Frequent Spenders||No particular card for frequent spenders.|
PNB Global Platinum card is the best card PNB has to offer and comes with Premium concierge service. It offers Rs. 0.50 reward value on each Rs. 150 spending and comes with a credit limit as high as Rs. 10 Lacs.
Moreover, you get Platinum only deals from premium hotels and brands as well as VISA Platinum benefits such as lounge access, discounts on shopping, dining and travel tickets. You also get 1 free movie whenever you book a movie ticket on BookMyShow.
The annual charges to own a PNB Global Platinum card is Rs. 500, which is quite high as compared to PNB Global Gold card and PNB Global Classic Card. Moreover, if you want to avail Add-on cards then you have to pay a fee of Rs. 500 for each supplementary credit card.
Despite being the best card available in credit card portfolio PNB offers, the card isn’t strong in terms of reward value. It seems quite weak in terms of rewards benefits against platinum cards offered by other banks such as SBI Card PRIME and HDFC Platinum Times Card. However, the interest rate and annual charges are quite low as compared to SBI Card PRIME and HDFC Platinum Times Card.
Though, an applicant must be earning at least Rs. 5 Lacs per annum to be eligible to own Global Platinum card, which seems quite high as compared to the benefits available on the card.
PNB Global Gold Credit Card offers reward value of Rs. 0.25 on each Rs. 100 spend. It comes with a credit limit as high as Rs. 5 Lacs. Moreover, you get 1% fuel surcharge waiver. You get VISA Gold benefits on the card such as discount on shopping and dining as well as travel.
The Global Gold Credit Card by PNB doesn’t offer any joining benefits in against of Rs. 300 joining fee. Additionally, the rewards against each eligible transaction is not much of a deal.
The card is average in benefits and suitable only if you are an existing PNB Credit card customer who wants a simple credit card without much complications in rewards and benefits.
PNB Classic Credit Card comes free of charge and offers Rs. 0.25 Reward Value against each Rs. 100 spend. Being a free credit card, the credit limit of upto Rs. 1 Lac is quite promising. Moreover, you also get fuel surcharge waiver.
The card doesn’t offer much of a reward value. Moreover, doesn’t offer any benefits on joining.
Since PNB Global Classic credit card is a zero annual fee credit card and have low income criteria of only Rs. 1 Lac per annum, it seems promising card unless you have much expectation from your card.
|Age||21 to 65 Years
18 to 65 Years
For Add-on Cardholder
|Income||Rs. 5 Lacs per annum|
Note: You’ll receive an instant confirmation of the bill payment. However, in some cases, it may take up to 1 day.
|Foreign transaction fee||3.50% of the transaction amount in Indian Rupee.|
|Minimum Payment||5% of the outstanding amount.|
|EMI Conversion Charges||18% per annum interest rate with processing charges equal to 2% of the transaction amount.
Min Rs. 200.
|Balance Transfer Charges||0.99% per month interest with processing charges equal to 1% of the transfer amount.
Min Rs. 199.
Note: If your application was rejected, you would be able to apply after 3 months of your previous application.
The best thing about PNB Global Gold Credit Card is that it is an all-purpose card. You can use the credit card for shopping, railway ticket reservations, dining, and holidaying.
Yes, there is a facility for up to 2 add on-cards for your parents, kids, spouse. It is important that the kids are over 18 years of age.
The joining fee for PNB Global Gold Credit Card is Rs. 300.
As a proof of residence, you need to submit – electricity bill, telephone bill, bank account statement, letter from employer. You have to ensure that all these documents are three months old.
As identity proof, you need to submit – PAN Card, Voter ID card, Driving Licence, Passport, etc. As income proof, you need to submit Form 16 or a copy of Income Tax Return. You can also submit salary certificate as a proof of your income.
The fees for card replacement is Rs. 100.
The APR on revolving credit for PNB Global Classic Credit Card is 29.81%.
The pin replacement fee for PNB Global Classic Credit Card is Rs. 50 per card.
Yes, there is a provision of receiving alerts for all the transactions made on the credit card.
No, this is not possible if you are a PNB credit cardholder.