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Credit cards

PNB Wave & Pay Credit Card

A contactless Visa Platinum card using tap-to-pay within 2 cm, with ₹5,000 single-tap limit, ₹6,000 daily no- limit and PNB Visa Platinum fees and rewards.

CashbackNot published as a cashback percentage.Rewards2 reward points per ₹150 under the Visa Platinum reward programme.OffersContactless payment up to ₹5,000 without PIN/signature; ₹6,000 daily no-PIN limit.
Official product page ↗Compare category

Quick eligibility check

PNB Wave & Pay 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 ₹5 lakh under PNB's Visa Platinum criteria?

Published source: Minimum income

2Do you meet this requirement: Visa Platinum criteria apply?

Published source: Eligibility

3Do you meet this requirement: contactless functionality is available at enabled terminals?

Published source: Eligibility

4Does your annual income meet this requirement: page does not publish a separate Wave & Pay income rule?

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₹500 per year under the Visa Platinum schedule; waiver conditions are not stated on the Wave & Pay page.View source
₹500 per year under the Visa Platinum schedule; waiver conditions are not stated on the Wave & Pay page.
Source
PNB Wave & Pay Credit Card
Page / section
Fees
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Fee waiverVisa Platinum joining/annual schedule applies; Wave & Pay page does not publish a separate fee.View source
Visa Platinum joining/annual schedule applies; Wave & Pay page does not publish a separate fee.
Source
PNB Wave & Pay Credit Card
Page / section
Fees
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeMinimum gross annual income ₹5 lakh under PNB's Visa Platinum criteria.View source
Minimum gross annual income ₹5 lakh under PNB's Visa Platinum criteria.
Source
PNB Wave & Pay Credit Card
Page / section
Income criteria
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
EligibilityVisa Platinum criteria apply; contactless functionality is available at enabled terminals.View source
Visa Platinum criteria apply; contactless functionality is available at enabled terminals.
Source
PNB Wave & Pay 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 Wave & Pay 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 Wave & Pay Credit Card
Page / section
Offers
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Rewards2 reward points per ₹150 under the Visa Platinum reward programme.View source
2 reward points per ₹150 under the Visa Platinum reward programme.
Source
PNB Wave & Pay Credit Card
Page / section
Rewards and benefits
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
OffersContactless payment up to ₹5,000 without PIN/signature; ₹6,000 daily no-PIN limit.View source
Contactless payment up to ₹5,000 without /signature; ₹6,000 daily no- limit.
Source
PNB Wave & Pay Credit Card
Page / section
Prominent features
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Lounge accessComplimentary domestic lounge benefit is published for Visa Platinum; quota not published on Wave & Pay page.View source
Complimentary domestic lounge benefit is published for Visa Platinum; quota not published on Wave & Pay page.
Source
PNB Wave & Pay Credit Card
Page / section
Lounge
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
NetworkVisa Platinum (Wave & Pay)View source
Visa Platinum (Wave & Pay)
Source
PNB Wave & Pay Credit Card
Page / section
Product heading
Accessed
30 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Contactless Visa card with chip and RF antenna
  • Tap within 2 cm at enabled PoS terminals
  • No /signature up to ₹5,000 per transaction; ₹6,000 daily no- limit
  • Visa Platinum rewards of 2 points per ₹150 under PNB's shared programme
  • Visa Platinum fee, lounge and fuel-surcharge terms apply

Eligibility

  • PNB Visa Platinum eligibility and issuer approval; page does not publish a separate Wave & Pay income rule.

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 credit-card FAQofficial-faq-pdf · current · accessed 30 Aug 2026
↗
PNB Wave & Pay 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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