PNB Global Gold Credit Card: Premium Rewards and Global Spending Power

Bio

Sandipan Mitra is the CEO and co-founder of Pice. He boasts eight years of experience in the B2B and fintech sector. Sandipan's journey includes significant roles at multiple Indian Unicorns Including Product at PayU, and as founding member / VP, Product at Open Financial Technologies.

26 Feb 26
3 mins

Sandipan Mitra

08 Mins
26-02-26

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Table of Contents

What are the Benefits of the PNB Global Gold Credit Card?
How to Redeem Reward Points Earned on the PNB Global Gold Credit Card?
What is the PNB Global Gold Credit Card Eligibility Criteria?
What are the PNB Global Gold Credit Card Charges?

Earn 1 Reward Point for every spend of ₹100.
Secure a card limit of up to ₹10,00,000.
Get up to 2 complimentary add-on cards.

The PNB Global Gold credit card is ideal for frequent shoppers. Being an all-purpose credit card, you can use this card everywhere and earn on every spend. Primary cardholders can also apply for up to 2 complimentary add-on cards to accumulate Reward Points faster.

These Reward Points can be redeemed for shopping and travel purposes. Let us take a closer look at its features and benefits.

What are the Benefits of the PNB Global Gold Credit Card?

The biggest benefit of the PNB Global Gold credit card is its worldwide acceptance. The card is accepted at more than 2,90,00,000 merchants and 10,00,000 ATMs across the world. Moreover, it also offers:

Reward Points: Cardmembers can earn 1 Reward Point for every ₹100 they spend.
Complimentary Add-on Cards: Users can apply for up to 2 add-on cards without any charges for their family members.
Extensive Credit Limit: The PNB Global Gold credit card limit ranges from ₹50,000 to ₹10,00,000.
Easy Bill Payment: Since this card comes in the VISA network, you can also pay utility and mobile bills via the VISA Bill Payment portal.

How to Redeem Reward Points Earned on the PNB Global Gold Credit Card?

You can redeem the earned Reward Points against vouchers, merchandise and travel reservations on the PNB Rewardz portal. However, ensure to keep in mind that:

Reward Points remain valid for 36 months from accrual.
The minimum requirement for redemption is 1,000.
1 Reward Point equates to ₹0.5.

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What is the PNB Global Gold Credit Card Eligibility Criteria?

Any Indian aged between 21 and 70 years old with a stable income of ₹3,50,000 - ₹5,00,000 annually can apply for the PNB Global Gold credit card. However, if applied against an FD, the eligibility age comes down to 18 years.

What are the PNB Global Gold Credit Card Charges?

The PNB Global Gold credit card has no joining fee; however, the card attracts an annual fee of ₹300 from the second year onwards. Other charges include:

Type	Amount
Finance Charges	2.95% per month (35.89% yearly) 1.5% per month for cards against FD (19.56% yearly)
Cash Advance Charges	2% or min. ₹100 (for domestic PNB ATMs) 2% or min. ₹150 (for domestic other ATMs) 2% or min. ₹300 (for overseas ATMs)
Late Payment Fee	Less than ₹1000: NIL ₹1001 - ₹5000: ₹500 ₹5001 - ₹10,000: ₹600 Above ₹10,000: ₹750
Overlimit Fee	2.5% or min. ₹250
Card Replacement Fee	₹100
Foreign Currency Exchange	3.5%

💡Protect your credit health and maintain a strong repayment history by using the Pice App to manage every card, every statement and every due date efficiently.

Footnote

The PNB Global Gold credit card offers an interest-free period of 20 to 50 days.

FAQs

What is the PNB EMI Plan?

The PNB EMI Plan is a feature on the PNB Global Gold credit card, which allows you to turn payments worth ₹2,500 and higher into monthly instalments of up to 36 months. 36 months is only applicable for purchases over ₹30,000.

How to check the Reward Point balance?

You can check your Reward Point balance through multiple convenient channels. Sign in to the PNB Credit Card website or use the PNB Genie mobile app to view your points. You can also log in to your PNB Rewardz account to check your available Reward Points and track your earnings easily.