Explore various types of PNB Credit Card charges, including annual fees, cash withdrawal fees, etc. This will help you make an informed decision and compare your options!
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Whether you withdraw cash using your credit card, make foreign transactions, or use the balance transfer facility, you need to pay some fees and charges. Besides, knowing the types of PNB credit card charges helps you select a card that matches your lifestyle needs at affordable costs.
When you get a credit card, you typically need to pay an annual fee on a yearly basis to keep your account active. This fee varies for different types of cards that PNB offers. However, this fee may be waived with some credit cards if you meet certain spending milestones.
Refer to the table below to know the renewal fee for various cards:
Credit Card |
Joining Fees (Excluding Taxes) |
Annual Fees (Excluding Taxes) |
PNB Visa Classic Card |
NIL |
NIL |
PNB Visa Gold Card |
NIL |
₹300 |
PNB Visa Signature Card |
₹1,500 |
₹2,000 |
PNB Visa Platinum Card |
NIL |
₹500 |
PNB Rakshak RuPay Platinum Card |
₹500 |
₹500 |
PNB Rupay Millennial Card |
₹399 |
₹999 |
PNB RuPay Select Card |
₹500 |
₹750 |
PNB RuPay Platinum Credit Card |
NIL |
NIL |
PNB Patanjali Rupay Select Credit Card |
₹500 |
NIL |
PNB Patanjali Rupay Platinum Credit Card |
NIL |
NIL |
PNB EMT RuPay Platinum Credit Card |
₹2,000 |
₹2,000 |
Disclaimer: The above-mentioned fees and charges are subject to change as per changes in the issuer’s policies.
In case you need instant access to cash, you can withdraw cash from an ATM using your credit card. Check out the table below to know the charges:
Cash Withdrawal Charges (Domestic) |
2% of cash withdrawn or ₹100 to ₹200, whichever is higher |
Cash Withdrawal Charges (Overseas) |
2% of cash withdrawn or ₹250 to ₹300, whichever is higher |
Disclaimer: The above-mentioned fees and charges are subject to change as per changes in the issuer’s policies.
PNB Credit Card forex charges apply when you make transactions in a foreign country or to a foreign merchant. Like many other facilities, these charges also depend on the transaction amount.
Refer to the table given below to know the forex charges:
Foreign Currency Transaction Charges |
3.50% markup over and above the currency conversion rate |
Disclaimer: The above-mentioned fees and charges are subject to change as per changes in the issuer’s policies.
Another PNB Credit Card fee you need to know about is the balance transfer fee. This fee applies when you shift another credit card's balance to a PNB credit card. It is typically a percentage of the total outstanding amount that you choose to transfer to your card. Here are the charges:
Balance Transfer Charges |
1% of the transfer amount or ₹199, whichever is higher |
Disclaimer: The above-mentioned fees and charges are subject to change as per changes in the issuer’s policies.
In some cases, issuers allow you to complete transactions that exceed the credit limit on your card if required. This facility, however, comes with an over-limit charge, depending on the transaction amount. Refer to the following table to know the over-limit charges:
Credit Card |
Over-limit charges |
PNB Visa Classic Card |
2.5% or a minimum of ₹250 |
PNB Visa Gold Card |
2.5% or a minimum of ₹250 |
PNB Visa Signature Card |
2.5% or a minimum of ₹500 |
PNB Visa Platinum Card |
2.5% or a minimum of ₹500 |
PNB Rakshak RuPay Platinum Card |
2.5% or a minimum of ₹500 |
PNB Rupay Millennial Card |
2.5% or a minimum of ₹500 |
PNB RuPay Select Card |
2.5% or a minimum of ₹500 |
Disclaimer: The above-mentioned fees and charges are subject to change as per changes in the issuer’s policies.
Note: The minimum over-limit charges are ₹250 for credit cards issued against a Fixed Deposit.
In case you fail to pay at least the minimum amount due by the payment due date, the credit card provider applies late payment charges. It is generally a percentage of the amount due.
In addition to this charge, the interest also applies to the balance amount till you repay the entire due amount. Refer to the table below to know the late payment charges:
Outstanding Balance |
Late Payment Charges |
₹1,000 or less |
NIL |
₹1,001 to ₹5,000 |
₹500 |
₹5,001 to ₹10,000 |
₹600 |
Above ₹10,000 |
₹750 |
For credit cards against an FD |
30% of the minimum amount due (Subject to late payment charges of a minimum of ₹200 and a maximum of ₹500 per billing cycle) |
Disclaimer: The above-mentioned fees and charges are subject to change as per changes in the issuer’s policies.
Here are some other PNB credit card fees and charges that you need to be aware of:
Types of Charge |
General Range |
Annual Fee for Add-on Cards |
NIL |
Limit Enhancement |
NIL |
Finance Charges or Interest Rate p.m. on Revolving Credit, Cash Withdrawn, and Amount Overdue |
Regular credit cards: 2.95% per month Credit cards against an FD: 1.55% per month |
Return of Cheque, Dishonour, ECS, and Auto debit |
Regular credit cards: ₹100- ₹250 per instrument Credit cards against FD: Minimum ₹250 |
Duplicate Statement (beyond 3 months) |
₹50 |
Card Replacement Fee (for reasons other than technical defects) |
₹100- ₹250 |
Disclaimer: The above-mentioned fees and charges are subject to change as per changes in the issuer’s policies.
About Credit Cards Services
- Apply for Credit Card
- Best Fuel Credit Card
- Business Credit Card
- Credit Card Settlement
- Corporate Credit Card
- Credit Card against Fixed Deposit
- Credit Card Documents
- Credit Card Eligibility Criteria
- Credit Card EMI
- Features & Benefits of Credit Card
- Interest Rate on Credit Card
- International Credit Card
- Credit Card Limit
- Credit Card Lounge Access
- Credit Card Netbanking
- Credit Card Bill
- Credit Card Pin Generation
- Credit Card Reward
- Shopping Credit Card
- Check Credit Card Statement
- Types of Credit Card
- Credit Card Billing Cycle
- Credit Card Meaning
- Best Credit Card In India
Credit Cards Partners at Bajaj Markets
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Frequently Asked Questions
Are there any charges for PNB Credit Cards?
Yes, depending on the type of card you choose, various types of PNB Credit Card fees and charges apply. These include fees and charges for cash withdrawal, card replacement, getting add-on cards, etc.
What are the annual charges for getting an add-on card on your existing PNB Credit Card?
You do not need to pay any annual charges for add-on credit cards. However, you may need to pay a joining fee, depending on the type of credit card.
Is there any PIN replacement fee for PNB Credit Cards?
Yes, the PIN replacement fee depends on your credit card type. It ranges between ₹50 to ₹100 per card.
Is there any fee for the balance transfer facility?
Yes, this fee applies when you transfer the balance from another card to a PNB credit card. It is 1% of the transfer amount or ₹199, whichever is higher.
What are the charges for the retrieval of charge slips for PNB Credit Cards?
The charges applicable for retrieval of charge slips for PNB credit cards are ₹100.
