PNB Visa Signature Credit Card: The Key to Financial Freedom

Bio

Shreyansh Singh, an IIT Kanpur alumnus, has eight years of experience in the finance industry. He has spent 5 years at American Express developing mid to long-term strategies for multiple markets including US, Europe and India. Shreyansh currently leads Growth and Strategy initiatives at Pice.

20 Jul 26
4 mins

Shreyansh Singh

08 Mins
20-07-26

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Table of Contents

What are the Top 3 Features of the PNB Visa Signature Credit Card?
Visa Signature Exclusive Merchant Offers
Who is Eligible to Apply for the PNB Visa Signature Credit Card?
How to Apply for the PNB Visa Signature Credit Card?
What are the PNB Visa Signature Credit Card Charges?

50% off on movie tickets and food and beverage purchases on BookMyShow.
Complimentary domestic lounge access.
Round-the-clock concierge services.

PNB Visa Signature credit card is mostly popular for its wide global acceptance across 29,000,000 merchants and 10,00,000 ATMs. This card is ideal for young professionals and urban spenders. It offers premium privileges related to travel, lifestyle and entertainment.

Let us explore the most exciting features of this credit card and how it can be a valuable addition to your stack.

What are the Top 3 Features of the PNB Visa Signature Credit Card?

This Signature Visa credit card offers 24x7 concierge service to provide personal assistance during travel and medical needs. Additionally, the card offers:

Lounge Access: Complimentary PNB Visa Signature credit card lounge access at eligible domestic airports.
BookMyShow Discounts: Instant 50% off on movie tickets, food and beverage purchases on BookMyShow.
Reward Points: 2 reward points for every transaction of ₹100.

Visa Signature Exclusive Merchant Offers

Visa brings a world of benefits to its Signature cardholders. The card offers a flat ₹250 off on purchases of ₹749 and more at The Man Company and 10% off on hotels at Agoda. Take a look at some of them:

Flat 25% discount on all Sony LIV Premium packs
15% off on transactions of ₹499 and more at Bewakoof
Flat 12% + 8% discount on medicines at NetMeds
₹13,500 discount on Toothsi aligners
20% off on gold, diamond and silver making charges on Joyalukkas

These offers are subject to change from time to time. Keep an eye on the Visa Signature official page to find more details on merchant offers.

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Who is Eligible to Apply for the PNB Visa Signature Credit Card?

Indians between 21 and 65 years with an annual income of ₹7,50,000 can apply for the PNB Signature Visa credit card. Here are the documents required:

Identity Proof: PAN card, Voter ID card, driving license
Address Proof: Aadhaar card, Passport, Ration card
Income Proof: latest salary slips, bank statements, and ITRs.

How to Apply for the PNB Visa Signature Credit Card?

You can apply for the PNB Visa Signature credit card through multiple channels. Take a look:

Digital Platforms: Visit the official Punjab National Bank website or opt for internet banking.
Mobile Banking: Apply using the PNB Genie or PNB One mobile apps.
Missed Call: Give a missed call to 1800-180-5555 from your registered number.
SMS Requests: Send ‘PNBPROD’ to 5607040 or ‘INSTA Y’ to 7092200200 to initiate the process.
Customer Support: Reach out to the PNB’s helpdesk by calling 1800-180-2222, 1800-103-2222, or 0120-2490000.

What are the PNB Visa Signature Credit Card Charges?

The PNB Visa Signature credit card has a joining fee of ₹1500 and an annual fee of ₹2000. Other charges of the card include:

Type	Amount
Finance Charges	2.95% per month (35.89% yearly) 1.5% per month for cards against FD (19.56% yearly)
Add-on Card Fee	Joining: ₹500 Annual
Cash Advance Charges	2% or min. ₹100 (for domestic PNB ATMs) 2% or min. ₹150 (for domestic other ATMs) 2% or min. ₹250 (for overseas ATMs)
Late Payment Fee	Less than ₹1000: NIL ₹1001 - ₹5,000: ₹500 ₹5001 - ₹10,000: ₹600 Above ₹10,000: ₹750
Overlimit Fee	2.5% or min. ₹500
Card Replacement Fee	₹250
Foreign Currency Exchange	3.5%
Duplicate Statement Fee (Beyond 3 months)	₹50
Custom Duty	2.25% or min.₹100
Free Interest Period	20 - 50 days

💡Stay financially disciplined and confident by using PICE to monitor due dates, plan payments in advance, and clear your credit card bills without last-minute panic.

Footnote

The minimum FDR requirement of the PNB Visa Signature credit cards is ₹1,60,000, and applicants will secure a credit limit of 80%.

FAQs

What is the PNB EMI Plan on the PNB Visa Signature credit card?

PNB EMI Plan refers to the conversion of any expense of ₹2,500 or more on the PNB Visa Signature credit card into easy EMI options for up to 24 months.