Punjab National Bank Credit Cards

About Punjab National Bank

Punjab National Bank (PNB) is India's second-largest public-sector bank and runs one of the broadest credit card lineups among PSU banks, with 11 active variants across RuPay, Visa, and Mastercard. Beyond standard Global Gold/Platinum and RuPay Platinum/Select tiers, PNB's portfolio includes several notable niches: Rakshak cards tailored for defense and paramilitary personnel, RuPay cards co-branded with Patanjali, a RuPay Millennial card for younger spenders, and the contactless Wave & Pay card. All cards include fuel surcharge waivers and railway lounge access.

PNB's Card Lineup Compared

Card-by-Card Breakdown

PNB Rakshak RuPay Select is genuinely free - no joining or renewal fee - reflecting PNB's preferential terms for defense and paramilitary personnel, alongside accelerated rewards and cashback.

PNB Wave & Pay is also fully free and built specifically for contactless, tap-to-pay transactions rather than general reward maximisation.

PNB Global Platinum and PNB RuPay Platinum Patanjali share an identical fee structure (no joining fee, ₹500 renewal) - choose Patanjali specifically if you want extra rewards on Patanjali product purchases, otherwise Global Platinum is the more general-purpose option.

PNB RuPay Select and PNB RuPay Millennial sit at higher fee points (₹750 and ₹999 respectively) in exchange for stronger reward rates - Millennial specifically targets younger, digitally-first spenders with a simpler benefit structure.

Applying for a PNB Credit Card

Defense and paramilitary personnel should specifically ask about the Rakshak range's preferential eligibility terms. Other applicants need standard KYC (PAN, Aadhaar) and income proof, with PNB's underwriting generally accessible given its large PSU customer base and government/PSU employee focus.

Explore the full card portfolio below to find the right card for your spending profile.