Punjab National BankPNB Global Gold Credit Card – Benefits, Fees & Eligibility
Is the PNB Global Gold Credit Card Right for You?
The PNB Global Gold Credit Card is best suited for users who prioritize Shopping, Dining, Fuel. With a joining fee of Nil and a renewal fee of ₹300 + GST, this card offers free entry for new applicants. It offers Reward Points as its primary reward mechanism, with a rewards rate of 1 Reward Point per Rs. 100 spent on retail transactions; additional 50 Reward Points on successful E-bill registration; no points on fuel, jewelry, or cash withdrawals..
Key Card Details
Nil
₹300 + GST
Reward Points
3.5% on all international transactions.
Notable Perks
Domestic Lounge Access
Not applicable
International Lounge Access
Not applicable
Insurance Coverage
Zero liability protection on fraudulent transactions upon timely reporting of lost card.
Spend-Based Waiver
Not applicable
Movie Benefits
20% discount on ZEE5 subscription; no specific movie reward multipliers listed.
Golf Benefits
Not applicable
Things to Consider
Limited premium perks such as no lounge access and minimal travel benefits reduce appeal for frequent flyers and luxury seekers.
Modest redemption value of Rs. 0.25 per RP undercuts potential returns compared to higher-yield cards in the market.
Reward points expire after 3 years, which may erode unredeemed earnings for low-frequency users.
Benefits & Features
Welcome Offer
No explicit welcome benefits or joining perks listed.
Rewards Rate
1 Reward Point per Rs. 100 spent on retail transactions; additional 50 Reward Points on successful E-bill registration; no points on fuel, jewelry, or cash withdrawals.
Reward Type
Reward Points
Reward Redemption
Redeemable on the PNB Rewardz website; 1 RP = Rs. 0.25; minimum 500 RPs; redeemable against hotel bookings, mobile recharge, merchandise, and shopping.
Domestic Lounge Access
Not applicable
International Lounge Access
Not applicable
Premium Benefits
Not applicable
Insurance Coverage
Zero liability protection on fraudulent transactions upon timely reporting of lost card.
Movie Benefits
20% discount on ZEE5 subscription; no specific movie reward multipliers listed.
Dining Benefits
No specific dining reward multipliers listed.
Travel Benefits
No specific travel-related reward multipliers or lounge benefits listed.
Fees & Charges
Joining Fee
Nil
Renewal Fee
₹300 + GST
Spend-Based Waiver
Not applicable
Foreign Currency Markup
3.5% on all international transactions.
Interest Rates
2.95% per month.
Fuel Surcharge Waiver
1% fuel surcharge waiver on fuel transactions between Rs. 400 and Rs. 3,000 at all fuel stations in India.
Cash Advance Charges
2% of the amount withdrawn or Rs. 100 (whichever is higher); 2% of the amount withdrawn or Rs. 300 (whichever is higher) at international ATMs.
Rewards Redemption Fee
Nil
Pros & Cons
Pros
Key benefits and features of this card.
Zero joining fee makes the Pnb Global Gold Credit Card affordable for entry-level spenders seeking everyday value.
Straightforward 1 RP per Rs. 100 retail earning with 50-point E-bill bonus simplifies reward accumulation on routine spends.
1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 3,000 lowers costs for regular fuel purchases across India.
20% discount on ZEE5 subscription adds tangible lifestyle value alongside 24x7 concierge for dining, travel, and emergency support.
Utility bill payment facility and zero liability protection offer convenience and security for daily financial management.
Cons
Key drawbacks and limitations of this card.
Limited premium perks such as no lounge access and minimal travel benefits reduce appeal for frequent flyers and luxury seekers.
Modest redemption value of Rs. 0.25 per RP undercuts potential returns compared to higher-yield cards in the market.
Reward points expire after 3 years, which may erode unredeemed earnings for low-frequency users.
Annual renewal fee of Rs. 300 plus GST applies after the first year, adding cost despite the nil joining fee.
No milestone-based benefits or spend-based fee waivers limit opportunities for bonus rewards on higher annual spending.
Product Details
All-purpose card accepted at over 3,80,000 merchant establishments and 30,000 VISA ATMs across India, and over 29 million merchants and 1 million VISA ATMs worldwide.
Up to 2 add-on cards available for spouse, parents, son, and/or daughter (minimum age 18 years).
Lost card liability protection with limited liability on fraudulent transactions after timely reporting.
20% discount on ZEE5 subscription.
1% fuel surcharge waiver on fuel transactions between Rs. 400 and Rs. 3,000.
Zero liability protection and 24x7 concierge services.
Utility bill payment facility for electricity, telephone, and mobile bills.
1 Reward Point per Rs. 100 on retail spends; no points on fuel, jewelry, or cash withdrawals; additional 50 Reward Points on successful E-bill registration; points valid for 3 years.
Benefits & Features
Welcome Offer
No explicit welcome benefits or joining perks listed.
Rewards Rate
1 Reward Point per Rs. 100 spent on retail transactions; additional 50 Reward Points on successful E-bill registration; no points on fuel, jewelry, or cash withdrawals.
Reward Type
Reward Points
Reward Redemption
Redeemable on the PNB Rewardz website; 1 RP = Rs. 0.25; minimum 500 RPs; redeemable against hotel bookings, mobile recharge, merchandise, and shopping.
Domestic Lounge Access
Not applicable
International Lounge Access
Not applicable
Premium Benefits
Not applicable
Insurance Coverage
Zero liability protection on fraudulent transactions upon timely reporting of lost card.
Movie Benefits
20% discount on ZEE5 subscription; no specific movie reward multipliers listed.
Dining Benefits
No specific dining reward multipliers listed.
Travel Benefits
No specific travel-related reward multipliers or lounge benefits listed.
What matters, explained clearly
Introduction
- The Pnb Global Gold Credit Card is an entry-level credit card issued by Punjab National Bank, positioned as an all-purpose card for shopping, dining, travel, and fuel. Key differentiating benefits include zero joining fee, a 1% fuel surcharge waiver on eligible transactions, and 20% off on ZEE5 subscriptions.
Welcome Benefits
- No explicit welcome benefits or joining perks listed.
Fees
- Joining Fee: Nil
- Renewal Fee: Rs. 300 + GST annually
- Spend-Based Waiver: Not applicable
- Rewards Redemption Fee: Nil
- Foreign Currency Markup: 3.5% on all international transactions
- Interest Rates: 2.95% per month
- Fuel Surcharge: 1% fuel surcharge waiver on fuel transactions between Rs. 400 and Rs. 3,000 at all fuel stations in India
- Cash Advance Charges: 2% of the amount withdrawn or Rs. 100 (whichever is higher); 2% of the amount withdrawn or Rs. 300 (whichever is higher) at international ATMs
Rewards
Movies & Dining
- 20% discount on ZEE5 subscription
- No specific movie or dining reward multipliers listed
Travel
- No specific travel-related reward multipliers or lounge benefits listed
Domestic Lounge Access
- Not applicable
International Lounge Access
- Not applicable
Golf
- Not applicable
Insurance Benefits
- Zero liability protection on fraudulent transactions upon timely reporting of lost card
Lifestyle
- 24x7 concierge services including dining referrals & reservations, pre-trip assistance, flight/hotel bookings, flowers & gifts, event bookings, and emergency medical support
- Utility bill payment facility for electricity, telephone, and mobile bills via www.visabillpay.in/pnb
Rewards Earning
- 1 Reward Point per Rs. 100 spent on retail transactions
- Additional 50 Reward Points on successful E-bill registration
- No Reward Points on fuel transactions, jewelry purchases, or cash withdrawals
- Reward Points valid for 3 years
Rewards Redemption Guide
- Reward Points redeemable on the PNB Rewardz website
- Redemption value: 1 Reward Point = Rs. 0.25
- Minimum redemption threshold: 500 Reward Points
- Points can be redeemed against products and categories such as hotel bookings, mobile recharge, merchandise, and shopping
Card Eligibility Criteria
- Age: 21 years - 65 years
- Income: Annual income of Rs. 3,50,000 or more
- Credit Score: Decent credit score (750 or above)
Documents Required
- Residential Proof (any one): Ration Card, Utility bills, Voter ID card
- Identity Proof (any one): Driving Licence, Passport, PAN Card, Voter ID Card, Aadhar Card
- Income Proof:
- For salaried: Salary certificate, Salary slip, Form 16
- For self-employed: PAN Card, IT return, Form 60/61
Card Review
- Who should apply: Suitable for entry-level spenders seeking an affordable, no-joining-fee card with basic rewards, fuel surcharge waiver, and lifestyle conveniences like concierge and bill pay.
- Pros: Zero joining fee; simple 1 RP per Rs. 100 earning; fuel surcharge waiver; 20% ZEE5 discount; 24x7 concierge; zero liability protection; utility bill payment facility.
- Cons: Limited premium perks (no lounge access, minimal travel benefits); modest redemption value (Rs. 0.25 per RP); 3-year expiry on points; annual fee applies after the first year.
- Value: Good value for cost-conscious users who want a straightforward card for everyday retail spending and basic conveniences.
Important Product Details
- All-purpose card accepted at over 3,80,000 merchant establishments and 30,000 VISA ATMs across India, and over 29 million merchants and 1 million VISA ATMs worldwide
- Up to 2 add-on cards available for spouse, parents, son, and/or daughter (minimum age 18 years)
- Lost card liability protection with limited liability on fraudulent transactions after timely reporting
- 1 Reward Point per Rs. 100 on retail spends; no points on fuel, jewelry, or cash withdrawals
- Additional 50 Reward Points on successful E-bill registration
- Reward Points valid for 3 years
- 20% discount on ZEE5 subscription
- 1% fuel surcharge waiver on fuel transactions between Rs. 400 and Rs. 3,000
- Zero liability protection and 24x7 concierge services
- Utility bill payment facility for electricity, telephone, and mobile bills
Other Details
- Terms and conditions apply; details regarding fees, charges, and benefits are summarized in the card’s feature and fee schedule.