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Credit cards

PNB Visa Gold Credit Card

An all-purpose Visa Gold card with nil joining fee, ₹300 annual fee, ₹3.50 lakh minimum gross annual income and 1 point per ₹100.

CashbackNot published as a cashback percentage.Rewards1 reward point per ₹100 spent.OffersFuel-surcharge waiver and merchant offers; offer values are not published.
Official product page ↗Compare category

Quick eligibility check

PNB Visa Gold Credit Card

0 of 4 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Does your annual income meet this requirement: Minimum gross annual income ₹3.50 lakh?

Published source: Minimum income

2Does your annual income meet this requirement: Salaried/self-employed applicant with minimum gross annual income ₹3.50 lakh?

Published source: Eligibility

3Does your annual income meet this requirement: Salaried/self-employed applicants with minimum gross annual income ₹3.50 lakh?

4Do you meet this requirement: PNB approval applies?

0 of 4 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 30 Aug 2026 · active
Offered byPunjab National Bank

India

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 fee₹300 per year.View source
₹300 per year.
Source
PNB Visa Gold Credit Card
Page / section
Fees
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Fee waiverNil joining fee; ₹300 annual fee.View source
Nil joining fee; ₹300 annual fee.
Source
PNB Visa Gold Credit Card
Page / section
Fees
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeMinimum gross annual income ₹3.50 lakh.View source
Minimum gross annual income ₹3.50 lakh.
Source
PNB Visa Gold Credit Card
Page / section
Income criteria
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
EligibilitySalaried/self-employed applicant with minimum gross annual income ₹3.50 lakh; issuer approval applies.View source
Salaried/self-employed applicant with minimum gross annual income ₹3.50 lakh; issuer approval applies.
Source
PNB Visa Gold Credit Card
Page / section
Eligibility
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
APR35.89% per annum on regular revolving credit; 19.56% per annum for FD-backed cards.View source
Current PNB fee schedule publishes these rates.
Source
PNB Schedule of Fees and Charges
Page / section
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Monthly finance charge2.95% per month regular; 1.5% per month for FD-backed cards.View source
Current PNB fee schedule publishes these rates.
Source
PNB Schedule of Fees and Charges
Page / section
Finance charges
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Forex markupNot published on the reviewed product page or current fee schedule.View source
No foreign-currency markup is stated.
Source
PNB Visa Gold Credit Card
Page / section
Complete product page and fee schedule
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
CashbackNot published as a cashback percentage.View source
Not published as a cashback percentage.
Source
PNB Visa Gold Credit Card
Page / section
Offers
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Rewards1 reward point per ₹100 spent.View source
1 reward point per ₹100 spent.
Source
PNB Visa Gold Credit Card
Page / section
Rewards and benefits
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
OffersFuel-surcharge waiver and merchant offers; offer values are not published.View source
Fuel-surcharge waiver and merchant offers; offer values are not published.
Source
PNB Visa Gold Credit Card
Page / section
Prominent features
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Lounge accessNot published for Visa Gold.View source
Not published for Visa Gold.
Source
PNB Visa Gold Credit Card
Page / section
Lounge
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
NetworkVisa GoldView source
Visa Gold
Source
PNB Visa Gold Credit Card
Page / section
Product heading
Accessed
30 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Minimum gross annual income ₹3.50 lakh
  • Nil joining fee; ₹300 annual fee
  • 1 reward point per ₹100
  • Fuel-surcharge waiver and merchant offers
  • Worldwide Visa acceptance, , cash advance and auto-debit facilities

Eligibility

  • Salaried/self-employed applicants with minimum gross annual income ₹3.50 lakh; PNB approval applies.

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

Documents the bank lists

  • PNB credit-card application, , and income proof

Related official documents

PNB Schedule of Fees and Chargesofficial-fee-schedule-pdf · current · accessed 30 Aug 2026
↗
PNB Visa Gold Credit Cardofficial-product-page · current · accessed 30 Aug 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Credit-card interest estimate

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

Interest added for one month₹1,475one thousand four hundred seventy-five rupees
Balance after that interest₹51,475fifty-one thousand four hundred seventy-five rupees
Monthly rate × 1235.4%

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.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

PNB Visa Gold Credit Card · IncomeMinimum gross annual income ₹3.50 lakh.

This value is copied from PNB standard and co-branded cards — published terms. Check the table notes before relying on it.

Source: PNB card product pages · Card variants and linked product pages Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 4 rows · 6 columnsPNB standard and co-branded cards — published termsCurrent income, fees, rewards, contactless and partner offers.View tableHide table

Scroll sideways to view every column

PNB standard and co-branded cards — published terms
CardIncomeFeesRewards / offersLoungeNetwork
PNB Visa Gold Credit CardMinimum gross annual income ₹3.50 lakh.Nil joining fee; ₹300 annual fee.1 reward point per ₹100 spent. Fuel-surcharge waiver and merchant offers; offer values are not published.Not published for Visa Gold.Visa Gold
PNB Wave & Pay Credit CardMinimum gross annual income ₹5 lakh under PNB's Visa Platinum criteria.Visa Platinum joining/annual schedule applies; Wave & Pay page does not publish a separate fee.2 reward points per ₹150 under the Visa Platinum reward programme. Contactless payment up to ₹5,000 without /signature; ₹6,000 daily no- limit.Complimentary domestic lounge benefit is published for Visa Platinum; quota not published on Wave & Pay page.Visa Platinum (Wave & Pay)
PNB Patanjali RuPay Platinum Credit CardNot published for the general Patanjali Platinum variant; co-brand employee policy may allow reduced income route.Nil joining and annual fee when used once in each quarter.1 reward point per ₹100 spent, plus 300+ points on first usage. 2% cashback at Patanjali stores above ₹2,500 capped at ₹50 per transaction; 5–7% recharge cashback; 300+ merchant offers.Not published on the Patanjali Platinum page.RuPay Platinum
PNB Kiwi RuPay Select Co-branded Credit CardGross annual income ₹2.50 lakh and above.Virtual joining nil; physical joining ₹500; annual ₹750, waived at ₹1.50 lakh previous-year spends.0.5% cashback as Kiwis online and 1.5% cashback as Kiwis on scan-and-pay; monthly cap 1% of credit limit. Dynamic monthly merchant offers of 5–15%; exclusions apply to listed categories.Not published on the Kiwi product page.RuPay Select
PNB card product pages · Card variants and linked product pages · accessed 30 Aug 2026Open official source ↗

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