PNB Visa Gold Card
Punjab National Bank
A basic entry card with an unconfirmed fee and a thin, disclosed benefit set.
Free
Joining fee
Free
Annual fee
Rs 300 annual fee waived only if ALL three conditions are met: card usage exceeded the credit limit in the preceding year, at least one retail transaction (excluding fuel/cash withdrawal) occurred each calendar quarter, and the account maintained good standing with no irregularities.
3.5%
Forex markup
3.5 / 5
Rating
Eligibility
Estimated minimum income: ₹20,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 620+
Estimated — not officially confirmed by the bank.
Card limit range Rs 50,000 (min) to Rs 5,00,000 (max), minimum annual income Rs 3,50,000 (official, current 'Visa Gold' product).
Sources disagree: Paisabazaar's closest match, 'PNB Global Gold Credit Card,' explicitly states it is not available on Paisabazaar.com — unclear whether this is the same product as the current 'PNB Visa Gold Card' or a discontinued/renamed predecessor. If the same product, 'Global Gold' eligibility additionally requires: PNB account holder 6+ months, age 21-65 (primary)/18+ (add-on), Indian resident.
Key features
- 1 pt/₹100
- Utility bill payment
- Up to 2 add-on cards
- Thin feature set overall
Reward details
For reference only (possibly the same or a predecessor product, 'PNB Global Gold Credit Card,' per Paisabazaar — naming ambiguity unresolved): 1 reward point per Rs 100 spent (domestic and international, excluding fuel/cash advances/card fees), each point valued at Rs 0.50.
Redemption
Ratio: 1 point = Rs 0.50
Excluded from rewards: fuel, cash advances, card fees (excluded from reward earning)
- 'Global Gold' reference product only: promotional balance transfer rate of 0.99% for 6 months (transfer fee Rs 199 or 1% of balance, whichever is higher); EMI facility on purchases over Rs 2,500; two free add-on cards for family members.
Real-world feedback
Not found for the current 'Visa Gold' product specifically; the 'Global Gold' aggregator page carried no customer reviews or sentiment data either.
Sources
- Official — fees, eligibility, card limit for 'PNB Visa Gold Card' specifically
- Aggregator — possibly a different/predecessor product named 'PNB Global Gold Credit Card'