Punjab National Bank
Signature · Elite
PNB Elite Credit Card
Punjab National Bank
4 RP per ₹100 with 8 lounge visits and premium privileges
Annual Fee
₹2,499
Joining Fee
₹2,499
Reward Rate
1.0%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹12,051
Total Annual Benefits
₹15,000
Total Annual Charges
₹2,949
ROI
509%
Fee Waiver Available
Annual fee waived on spending ₹2.5 Lakh in the preceding year — ₹2,50,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Reward Points (1)
4 RP per ₹100 on All Spends
Earn 4 reward points per ₹100 on all retail purchases
- • Excludes cash advances and quasi-cash
4 RP per ₹100
Airport Lounge Access (1)
Domestic Lounge Access
8 complimentary domestic airport lounge visits per year
- • Swipe card at participating airport lounges
8 visits/year
₹16,000/yr
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on fuel transactions
- • Valid on transactions ₹400–₹4,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Reward Program
Program
PNB Reward Points
4 reward points per ₹100
Effective cashback: 1.00%
Points expire: 3 years from date of accrual
Redemption Options
- → Gift cards and vouchers
- → Merchandise from rewards catalogue
- → Statement credit
- → Air miles
Milestone Bonuses
5,000 bonus reward points on spending ₹2.5 Lakh annually
Spend ₹2,50,000 annually
5,000 Reward Points
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹2,499 Excluding GST |
| Annual Fee | ₹2,499 Excluding GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.4%
- Late Payment Fee
- ₹1,000
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹20
- Other Bank Withdrawal
- ₹20
- Intl. Withdrawal Fee
- 3.5% + ₹125
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹4,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹50,000
- Min. Annual Income
- ₹6,00,000
- Min. Credit Score
- 720
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Existing PNB account holders with high balance preferred
- • Salaried: Gross Monthly Income > ₹50,000
- • Self-Employed: ITR > ₹6 Lakh p.a.
- • Subject to credit assessment
Existing account required
Airport Lounge Access
Domestic
8 visits/year
8 per year
~₹2,000/visit
International
0 visits/year
Not included
Visa Airport Companion LoungeKey
- • 8 complimentary domestic airport lounge visits per year
- • Swipe card at participating lounges
Transaction Limits
ATM Withdrawal / Day
₹50,000
POS & E-Commerce / Day
₹3,00,000
Contactless / Txn
₹5,000
Features
Metal card Contactless payments EMV chip security Domestic usage Add-on cards available EMI conversion facility 8 complimentary airport lounge visits Government bank — wide branch network PNB mobile app and internet banking
EMI Options
Min. Transaction
₹5,000
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The PNB Elite Credit Card is a premium signature card offering 4 reward points per ₹100 on all spends, 8 complimentary airport lounge visits per year,...
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