Redeem through the best path, not the default.
Point value varies across redemption options. Best path: ₹0.25/point. Same earnings, more value.
Mid-tier
PUNJAB NATIONAL BANK · PUNJAB NATIONAL BANK GLOBAL PLATINUM CREDIT CARD
Punjab National Bank Global Platinum Credit Card
ANNUAL FEE
Free
FIRST-YEAR NET VALUE
₹6,240 for a mid spender · travel
PUNJAB NATIONAL BANK Global Platinum
Updated February 2026 3 verified sources Data is current
01 ELIGIBILITY
Can I get this card?
Meet these thresholds and you're likely to be approved. Final call is Punjab National Bank's.
MONTHLY INCOME Check with bank Issuer-dependent
CREDIT SCORE 700+ Good band
AGE 21 – 65 Primary or add-on applicant
RESIDENCY Indian PAN, Aadhaar + income proof
02 FIT
Is this card for me?
We've modeled this card's value for a default urban spender. Tweak the persona to see how it shifts — or personalize with your real spends.
DEFAULT PERSONA · MID SPENDER · TRAVEL
₹6,240 first-year net value · mid spender · travel
Category rewards ₹5,940
Milestone bonus· 300 reward points credited for crossing ₹1 lakh spends in prior quarter + ₹300
Net first-year value ₹6,240
03 EARN
What will I earn?
Base rate, accelerated categories, milestones, and what each reward point is actually worth when you redeem.
BASE REWARD RATE
≈ 0.33% back on eligible spends 2 pts 2 points per ₹150
NOT ELIGIBLE Fuel · rent · wallets · utility · government
ACCELERATED CATEGORIES Up to 0.3% back
Everything else (base) · 0.3%
MILESTONES Cumulative bonuses at annual spend tiers
₹4L 300 reward points credited for crossing ₹1 lakh spends in prior quarter
04 MAXIMIZE · YOUR EDGE
How do I extract every rupee?
Plays grounded in this card's specific levers. Updated each time Punjab National Bank tweaks the program.
05 COSTS
What will I pay?
Fees, transaction charges, interest rates — all inclusive of taxes where noted.
FEES
Charges below are base amounts; GST applies where applicable.
Joining fee ₹500 · + 18% GST · one-time
Add-on cards Up to 3 free
TRANSACTION CHARGES
Foreign currency markup 3.5%
Finance charges (purchase) 3.49% per month · ~42% APR
Late payment ₹100 – ₹1,300 · based on outstanding
06 BENEFITS
What else comes with it?
Non-reward perks — lounges, dining, golf, insurance, concierge. Worth factoring into the total value, even when hard to price.
Airport lounges
4 domestic visits per year via Priority Pass. Primary cardholder.
Travel cover
Air accident cover, lost-card liability, emergency card replacement abroad.
07 FAQ
Common questions
For a spender who hits the ₹4L waiver, yes — the net value is positive. For a casual spender, the math gets tight and a lower-tier card may fit better. See the Fit section above.
HOW WE KEEP THIS CURRENT
Last verified February 2026. Sources: Issuer website, CardExpert, PaisaBazaar. Next scheduled review: 6 months from last update.