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REWARD POINTS CARD

PNB VISA Classic Card

Punjab National Bank

Visa credit card earning 1 reward point per ₹100, with a published point value of ₹0.25 and a nil joining fee for the primary card.

Income criterion of ₹2,50,000 a year applies. Points redeemable from a minimum of 1,000. Interest-free period is 20–50 days. Visa offers are governed by Visa T&C.

PNB VISA Classic Card
ANNUAL FEE
Not stated
JOINING FEE
No joining fee
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
Earns 1 reward point per ₹100 spent; each point is valued at ₹0.25.
BEST FOR
Included: May suit applicants with annual income of ₹2,50,000 or more.
Included: May suit those seeking a simple reward-point card with a nil joining fee.
Included: May suit applicants meeting the ₹2,50,000 annual income criterion.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Reward points can be redeemed only from a minimum of 1,000.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
Not stated
Maximum age
Not stated

Fees & ownership

Joining fee
No joining fee
Annual / renewal fee
Not stated
Fee waived at
Not stated
Forex markup
Not stated
Finance charge
Not stated
Cash withdrawal fee
Not stated
Late-payment charge
Not stated
Interest-free period
20–50 days

Benefits & privileges

TRAVEL
Domestic airport lounge
Not stated
International airport lounge
Not stated
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Not stated
EVERYDAY
Fuel
Not stated
Dining
Not stated
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
Not stated
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Not stated

Who this card may suit

MAY SUIT
Included: Earns 1 reward point per ₹100 spent; each point is valued at ₹0.25.
Included: Earns 1 reward point per ₹100 spent.
Included: Reward point value is ₹0.25 per point; redemption starts at a minimum of 1,000.
Included: Nil joining fee for the primary card; interest-free period of 20–50 days.
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.