PNB Visa Gold Credit Card

Punjab National Bank · ₹300 a year

A low-fee Visa card with basic points.

What PNB Visa Gold Credit Card really returns

On a typical ₹50,000 a month of card spend, with points counted as cashback, PNB Visa Gold Credit Card returns about ₹930 a year after its fee (0.16% of spend). That ranks 231 out of 260 cards SahiCard can score. Earns most on online shopping (₹300) and groceries (₹240). Put in your own spending to see your figure, with the working shown.

Best credit cards for ₹50,000 a month · All guides

Base rate: 0.25% as Reward Point.

What the bank says

• 1 reward point per ₹100, worth 25 paise
• Annual fee ₹300, waived if usage in the year exceeds the credit limit and there is a retail transaction every quarter

Things that catch people out

• Earns 1 point per ₹100 at 25 paise a point, which is 0.25%. That is a low rate, and the fee is only worth paying if the waiver applies.
• PNB does not list the spends that earn nothing, so we apply the usual exclusions for fuel, rent and insurance.

Joining fee: ₹0. Foreign currency markup: not published.

The facts

• Annual fee: ₹300
• Fee waived at: no waiver published
• Domestic lounge visits: not published
• Minimum income: ₹3,50,000 a year

Read from Punjab National Bank’s own page on 2026-10-06.

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