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PNB Visa Signature Credit Card

A premium Visa Signature card with ₹1,500 joining fee, ₹2,000 annual fee (waived at ₹3 lakh annual spends), ₹7.50 lakh minimum gross annual income and domestic lounge and concierge benefits.

CashbackNot published as a percentage; the page lists movie-ticket and food-combo offers.Rewards2 reward points per ₹100 spent.Offers50% off BookMyShow movie tickets plus food-combo discount each month; insurance and concierge benefits.
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Quick eligibility check

PNB Visa Signature Credit Card

0 of 7 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 ₹7.50 lakh?

Published source: Minimum income

2Do you meet this requirement: Literate applicants?

Published source: Eligibility

3Are you aged 21 to 65?

Published source: Eligibility

4Do you meet this requirement: elite/super-premium target segment?

Published source: Eligibility

5Does your age meet this requirement: add-on age 18?

6Does your age meet this requirement: applicants against fixed deposit may be 18+ with no maximum age stated?

7Does your annual income meet this requirement: Literate applicants with minimum gross annual income ₹7.50 lakh?

0 of 7 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 30 Aug 2026 · active
PNB Visa Signature Credit Card
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 fee₹2,000 per year; waived when annual spends reach ₹3 lakh in the previous financial year.View source
The product page states ₹2,000 annual fee with waiver at ₹3 lakh annual spends.
Source
PNB Visa Signature Credit Card
Page / section
Fees and eligibility
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Fee waiver₹1,500 joining fee; ₹2,000 annual fee waived at ₹3 lakh previous-year spends.View source
PNB publishes the joining fee and annual-fee waiver condition.
Source
PNB Visa Signature fees
Page / section
Fees
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeMinimum gross annual income ₹7.50 lakh.View source
The page states minimum gross annual income of ₹7.50 lakh.
Source
PNB Visa Signature income criteria
Page / section
Eligibility
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
EligibilityLiterate applicants; primary age 21–65, add-on age 18; minimum gross annual income ₹7.50 lakh; elite/super-premium target segment.View source
PNB lists the target segment, age, education and income criteria.
Source
PNB Visa Signature eligibility
Page / section
Target segment and Eligibility
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
APR35.89% per annum on revolving credit; FD-backed cards 19.56% per annum.View source
The current schedule states 35.89% regular and 19.56% for cards against .
Source
PNB Schedule of Fees and Charges
Page / section
Finance charges and
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Monthly finance charge2.95% per month on revolving credit; 1.5% per month for cards against fixed deposit.View source
The fee schedule publishes the monthly 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 Visa Signature product page or current fee schedule.View source
No foreign-currency markup is stated.
Source
PNB Visa Signature forex review
Page / section
Complete product page and fee schedule
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
CashbackNot published as a percentage; the page lists movie-ticket and food-combo offers.View source
No cashback rate is stated.
Source
PNB Visa Signature offers
Page / section
Prominent features
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Rewards2 reward points per ₹100 spent.View source
PNB Rewardz publishes two points per ₹100 for Visa Signature.
Source
PNB Rewardz programme
Page / section
- SIGNATURE
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Offers50% off BookMyShow movie tickets plus food-combo discount each month; insurance and concierge benefits.View source
The page lists BookMyShow, food-combo, insurance and concierge benefits.
Source
PNB Visa Signature benefits
Page / section
Prominent features
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Lounge accessComplimentary domestic lounge access; quota and spend condition are not published on the reviewed page.View source
PNB lists complimentary domestic lounge access.
Source
PNB Visa Signature lounge access
Page / section
Prominent features
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
NetworkVisa Signature.View source
The product heading identifies Visa Signature.
Source
PNB Visa Signature network
Page / section
Product heading
Accessed
30 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Minimum gross annual income ₹7.50 lakh
  • ₹1,500 joining fee and ₹2,000 annual fee; annual fee waived at ₹3 lakh previous-year spends
  • 2 reward points per ₹100
  • 50% off BookMyShow movie tickets and food-combo discount each month
  • Complimentary domestic lounge, comprehensive insurance and 24/7 concierge
  • Visa Signature global acceptance

Eligibility

  • Primary applicant age 21–65; add-on age 18; applicants against fixed deposit may be 18+ with no maximum age stated.
  • Literate applicants with minimum gross annual income ₹7.50 lakh; final approval is subject to PNB assessment.

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

Documents the bank lists

  • PNB credit-card application, identity/address proof, and income proof

Related official documents

PNB Schedule of Fees and Chargesofficial-fee-schedule-pdf · current · accessed 30 Aug 2026
↗
PNB premium card artworkofficial-product-page-assets · current · accessed 30 Aug 2026
↗
PNB Visa Signature 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.

Visa Signature · Income / eligibilityGross annual income ₹7.50 lakh; age 21–65

This value is copied from PNB premium credit cards — published terms. Check the table notes before relying on it.

Source: PNB Schedule of Fees and Charges · Fees, and finance charges; combined with types9/types16/types17 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 · 5 columnsPNB premium credit cards — published termsCurrent fees, eligibility, limits, finance charges, rewards and benefits from PNB product pages and fee schedule.View tableHide table

Scroll sideways to view every column

PNB premium credit cards — published terms
CardIncome / eligibilityFeesRewards and benefitsNetwork
Visa SignatureGross annual income ₹7.50 lakh; age 21–65Joining ₹1,500; annual ₹2,000, waived at ₹3 lakh spends2 points/₹100; domestic lounge; BookMyShow and conciergeVisa Signature
LUXURA RuPay EkaaSalary ₹1.50 lakh/month or annual income ₹18 lakh; age 21–70; limit ₹1–50 lakhJoining ₹9,000 + ; annual ₹7,500 + 4 points/₹100; 20,000 welcome; 10,000 milestone; 3× travel/dining; unlimited lounges; nil forexRuPay Ekaa
LUXURA Visa InfiniteSalary ₹1.50 lakh/month or annual income ₹18 lakh; age 21–70; limit ₹1–50 lakhJoining ₹4,999 + ; annual ₹1,999 + 4 points/₹100; 20,000 welcome; 10,000 milestone; 3× travel/dining; unlimited lounges; nil forexVisa Infinite
Finance chargesRegular revolving credit; -backed route2.95% monthly / 35.89% ; -backed 1.5% / 19.56%Cash advance and other charges in current scheduleApplies per schedule
PNB Schedule of Fees and Charges · Fees, and finance charges; combined with types9/types16/types17 · accessed 30 Aug 2026Open official source ↗

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