Credit cards

PNB Visa Classic Credit Card

An all-purpose Visa Classic card with nil joining and annual fees, 1 point per ₹100 and fuel-surcharge waiver.

CashbackNot published as a percentage; fuel-surcharge waiver and merchant offers are listed.Rewards1 reward point per ₹100 spent.OffersFuel-surcharge waiver and merchant offers; values are not published.

Official product page ↗Compare category

✓ Manually checked 30 Aug 2026 · active

Offered byPunjab National Bank

India and international Visa acceptance

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Annual / renewal feeNil.View source

PNB states nil annual fee for Visa Classic.

Source: PNB Pre-Qualified Credit Card
Page / section: Card Variant Features — Visa Classic
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Fee waiverNil joining fee and nil annual fee.View source

The variant list states nil joining and annual fees.

Source: PNB Visa Classic fees
Page / section: Card Variant Features — Visa Classic
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Minimum incomeNot published for Visa Classic.View source

The page lists the variant but no income threshold.

Source: PNB Visa Classic income review
Page / section: Target Segment
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

EligibilityPNB applicants offered the Visa Classic variant through applicable PNB channels; issuer approval applies.View source

PNB lists Visa Classic as an offered variant and states other terms follow existing guidelines.

Source: PNB Visa Classic eligibility
Page / section: Card Variant Features — Visa Classic
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

APRNot published on the reviewed variant page.View source

No is stated.

Source: PNB Visa Classic review
Page / section: Complete page
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Monthly finance chargeNot published on the reviewed variant page.View source

No monthly finance-charge rate is stated.

Source: PNB Visa Classic finance-charge review
Page / section: Complete page
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Forex markupNot published on the reviewed variant page.View source

No foreign-currency markup is stated.

Source: PNB Visa Classic forex review
Page / section: Complete page
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

CashbackNot published as a percentage; fuel-surcharge waiver and merchant offers are listed.View source

No cashback rate is stated.

Source: PNB Visa Classic cashback review
Page / section: Card Variant Features — Visa Classic
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Rewards1 reward point per ₹100 spent.View source

PNB Rewardz publishes one point per ₹100 for Visa Classic.

Source: PNB Rewardz programme
Page / section: - CLASSIC
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

OffersFuel-surcharge waiver and merchant offers; values are not published.View source

The variant list includes fuel-surcharge waiver and merchant offers.

Source: PNB Visa Classic offers
Page / section: Card Variant Features — Visa Classic
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Lounge accessNot published for Visa Classic.View source

No lounge benefit is stated for Visa Classic.

Source: PNB Visa Classic lounge review
Page / section: Card Variant Features — Visa Classic
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

NetworkVisa Classic.View source

The variant heading identifies Visa Classic.

Source: PNB Visa Classic network
Page / section: Card Variant Features — Visa Classic
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

Nil joining fee
Nil annual fee
1 reward point per ₹100
Fuel-surcharge waiver and merchant offers
Cash advance, revolving credit, and auto-debit facilities

Eligibility

The shared variant page does not publish a separate numeric income or age threshold; issuer approval applies.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

PNB card application, and income documents

Related official documents

PNB Pre-Qualified Credit Card — variant featuresofficial-product-page · current · accessed 30 Aug 2026

Plan before applying

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Credit-card interest estimate

See roughly how much interest may be added if part of the card bill remains unpaid for one month.

Bill left unpaidThe part of your card bill that carries forward.₹fifty thousand rupees₹1,000₹10,00,000Interest charged each monthUse the monthly rate printed by the card issuer.%0.5%5%

Interest added for one month₹1,750one thousand seven hundred fifty rupees

Balance after that interest₹51,750fifty-one thousand seven hundred fifty rupees

Monthly rate × 1242%

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

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Variant

RuPay Platinum · Published termsNil joining; ₹500 annual fee waived with quarterly use; 1 point/₹100; domestic/international lounge; insurance up to ₹2 lakh

This value is copied from PNB Pre-Qualified Card variants — published terms. Check the table notes before relying on it.

Source: PNB Pre-Qualified Credit Card · Card Variant Features Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 6 rows · 2 columnsPNB Pre-Qualified Card variants — published termsShared PNB variant fees, rewards, network and benefits.View tableHide table

Scroll sideways to view every column

PNB Pre-Qualified Card variants — published terms
Variant	Published terms
RuPay Platinum	Nil joining; ₹500 annual fee waived with quarterly use; 1 point/₹100; domestic/international lounge; insurance up to ₹2 lakh
Rakshak RuPay Platinum	Nil joining; ₹500 annual fee waived with quarterly use; 1 point/₹100; insurance up to ₹2 lakh
Rakshak RuPay Select	Nil joining; ₹750 annual fee waived with quarterly use; 2 points/₹150; domestic/international lounge; insurance up to ₹10 lakh
Visa Classic	Nil joining and annual fee; 1 point/₹100; fuel-surcharge waiver
Visa Platinum	Nil joining; ₹500 annual fee waived only when all three usage/quarterly/regularity conditions are met; 2 points/₹150
/finance/forex/income	Not published for these variants on the reviewed PQCC page

PNB Pre-Qualified Credit Card · Card Variant Features · accessed 30 Aug 2026Open official source ↗

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