Punjab & Sind Bank Credit Cards

About Punjab & Sind Bank

Punjab & Sind Bank is a public-sector bank, founded in 1908 and headquartered in New Delhi, that reaches the credit card market entirely through a co-branded partnership with SBI Card rather than a bank-branded program. Its three tiers - SimplySAVE, PRIME, and ELITE - mirror SBI Card's standard structure, giving PSB's retail and government-employee customer base access to SBI Card's rewards ecosystem along with utility bill discounts and fuel surcharge waivers.

Card-by-Card Breakdown

PSB SimplySAVE SBI Card is the accessible entry point, well-suited to retail and government-employee customers who want basic cashback without a large annual commitment.

PSB SBI Card PRIME steps up to a stronger reward rate for a moderate ₹2,999 fee, a reasonable middle ground for spenders who've outgrown SimplySAVE's basic benefit set.

PSB SBI Card ELITE is the premium tier with the highest fee and the addition of lounge access - justified mainly for cardholders who'll actually use that lounge benefit regularly, given the significant fee step-up from PRIME.

Applying for a Punjab & Sind Bank Credit Card

Since SBI Card is the actual issuing entity across all three tiers, approval follows SBI Card's standard underwriting - a minimum income around ₹3 lakh p.a. and CIBIL score of 700+ for the entry tier. PSB's retail and government-employee customer base often benefits from existing banking relationships when applying, though the card itself is processed through SBI Card's systems.

ELITE earns 5X reward points on dining, departmental stores, and grocery (2 RP per ₹100 on other spends); PRIME earns 20 RP per ₹100 on utility bill payments and 10 RP per ₹100 on dining, groceries, departmental stores, and movies; SimplySAVE earns 10 RP per ₹150 on dining, movies, departmental stores, and groceries.

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