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Best Punjab National Bank Credit Cards in India 2026

Every Punjab National Bank credit card compared on fees, real reward rates and lounge access. We compared 16 cards — 11 of them lifetime free — on what you actually keep after fees, reward caps and exclusions. Our current top pick is PNB RuPay Metal LUXURA Credit Card.

Top 16 Punjab National Bank Credit Cards Ranked

#CardAnnual FeeBase EarnStandout
1PNB RuPay Metal LUXURA Credit CardPNB RuPay Metal LUXURA Credit CardPunjab National Bank₹7,5001.0%₹7,500/yr fee
2PNB Visa Metal LUXURA Credit CardPNB Visa Metal LUXURA Credit CardPunjab National Bank₹1,9991.0%₹1,999/yr fee
3PNB RuPay Select Credit CardPNB RuPay Select Credit CardPunjab National BankFree (LTF)0.3%Lifetime free
4PNB Rakshak RuPay Select Credit CardPNB Rakshak RuPay Select Credit CardPunjab National BankFree (LTF)0.3%Lifetime free
5PNB Visa Platinum Credit CardPNB Visa Platinum Credit CardPunjab National BankFree (LTF)0.3%Lifetime free
6PNB Patanjali RuPay Select Credit CardPNB Patanjali RuPay Select Credit CardPunjab National BankFree (LTF)0.3%Lifetime free
7PNB SALARY RuPay Select Credit CardPNB SALARY RuPay Select Credit CardPunjab National BankFree (LTF)0.3%Lifetime free
8PNB RuPay Platinum Credit CardPNB RuPay Platinum Credit CardPunjab National BankFree (LTF)0.3%Lifetime free
9PNB RuPay Millennial Credit CardPNB RuPay Millennial Credit CardPunjab National Bank₹9990.3%₹999/yr fee
10PNB Rakshak RuPay Platinum Credit CardPNB Rakshak RuPay Platinum Credit CardPunjab National BankFree (LTF)0.3%Lifetime free
11PNB Visa Classic Credit CardPNB Visa Classic Credit CardPunjab National BankFree (LTF)0.3%Lifetime free
12PNB Visa Gold Credit CardPNB Visa Gold Credit CardPunjab National BankFree (LTF)0.3%Lifetime free
13PNB Visa Signature Credit CardPNB Visa Signature Credit CardPunjab National Bank₹2,0000.3%₹2,000/yr fee
14PNB Patanjali RuPay Platinum Credit CardPNB Patanjali RuPay Platinum Credit CardPunjab National BankFree (LTF)0.3%Lifetime free
15PNB BLISS Credit CardPNB BLISS Credit CardPunjab National Bank₹5100.3%₹510/yr fee
16PNB SALARY RuPay Platinum Credit CardPNB SALARY RuPay Platinum Credit CardPunjab National BankFree (LTF)0.3%Lifetime free

Base earn = ₹ value earned per ₹100 of everyday spend at the card's standard rate, before category accelerators. Every card page shows caps, exclusions and the net value math for your own monthly spend.

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Disclaimer: Results are estimates for financial planning purposes only and do not constitute financial, tax, investment, or legal advice. Actual values may vary based on your lender, market conditions, and individual circumstances. Consult a qualified CA, CFP, or financial advisor before making any financial decisions.