Cards / Punjab National

Joining fee

₹4,999

Annual fee

₹1,999

Waiver spend

₹6,00,000

Forex markup

0%

Fee waiver

Spend ₹6,00,000 in a card year and the next annual fee is waived.

That is about ₹50,000 a month.

Work out what you still need to spend

Work it out for this card

How the app counts rewards

• 12 points per ₹100 on travel and dining (3X)
• 4 points per ₹100

Airport lounges

• Domestic: Unlimited visits
• International: Unlimited visits

Points

PNB Rewardz Points, worth about ₹0.25 each on the usual redemption. Expire after 3 years.

Who can apply

• Age 21 to 70
• Salaried: income of ₹18,00,000 a year or more
• Self-employed: income of ₹18,00,000 a year or more

Salaried: gross ₹1.5 lakh a month. Also issued against a fixed deposit of ₹1.5 lakh or more

Published minimums. Approval is the bank's decision.

Some values on this page are not yet confirmed against the bank's terms. Check the bank's own page before you rely on them.

Taken from the bank's page. Rules data version 2026.10.04.

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