PNB Visa Signature Credit Card

Punjab National Bank · ₹2,000 a year · fee waived on ₹3,00,000 of annual spend

PNB’s Visa Signature card with 0.5% back in points.

What PNB Visa Signature Credit Card really returns

On a typical ₹50,000 a month of card spend, with points counted as cashback, PNB Visa Signature Credit Card returns about ₹2,460 a year after its fee (0.41% of spend). That ranks 168 out of 260 cards SahiCard can score. Earns most on online shopping (₹600) and groceries (₹480). 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: 0.5% as Reward Point.

What the bank says

• 2 reward points per ₹100, worth 25 paise
• 24x7 concierge
• Annual fee ₹2,000, waived on ₹3 lakh of spend in the previous financial year

Things that catch people out

• Earns 2 points per ₹100 at 25 paise a point, which is 0.5%. 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: ₹1,500. Foreign currency markup: not published.

The facts

• Annual fee: ₹2,000
• Fee waived at: ₹3,00,000 of spend a year
• Domestic lounge visits: not published
• Minimum income: ₹7,50,000 a year

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

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