{"id":86815,"date":"2026-07-22T16:44:13","date_gmt":"2026-07-22T11:14:13","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=86815"},"modified":"2026-07-22T16:44:13","modified_gmt":"2026-07-22T11:14:13","slug":"pnb-wave-pay-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/pnb-wave-pay-credit-card\/","title":{"rendered":"PNB Wave &amp; Pay Credit Card for Fast, Secure Contactless Transactions"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"key-takeaways\"><strong>Key Takeaways\u00a0\u00a0<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>2 Reward Points for every \u20b9150 spent.\u00a0<\/li>\n\n\n\n<li>Access is available upon paying a \u20b9500 annual fee.<\/li>\n\n\n\n<li>Accepted globally across 2,90,00,000 merchants under the VISA network.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>The PNB Wave &amp; Pay credit card is designed for customers who prefer quick and secure transactions. With contactless technology, you can simply tap your card at enabled POS terminals to make payments without entering a PIN.\u00a0<\/p>\n\n\n\n<p>This card is ideal for everyday spending such as groceries, dining, fuel and online shopping. Let us explore its features, benefits, charges and eligibility in detail.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#what-are-the-pnb-wave-pay-credit-card-benefits\">What are the PNB Wave &amp; Pay Credit Card Benefits?<\/a><\/li><li><a href=\"#what-are-the-pnb-wave-pay-credit-card-charges\">What are the PNB Wave &amp; Pay Credit Card Charges?\u00a0<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-are-the-pnb-wave-pay-credit-card-benefits\"><strong>What are the PNB Wave &amp; Pay Credit Card Benefits?<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/07\/PNB-Wave-Pay-benefits-1024x768.png\" alt=\"PNB Wave &amp; Pay Credit Card Benefits\" class=\"wp-image-86817\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/07\/PNB-Wave-Pay-benefits-1024x768.png 1024w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/07\/PNB-Wave-Pay-benefits-300x225.png 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/07\/PNB-Wave-Pay-benefits-150x113.png 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/07\/PNB-Wave-Pay-benefits-768x576.png 768w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/07\/PNB-Wave-Pay-benefits.png 1448w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p>Since the PNB Wave &amp; Pay credit card comes in the VISA Platinum variant, users can earn 2 Reward Points for every \u20b9150 spent using the card.&nbsp;<\/p>\n\n\n\n<p>These points can be redeemed for gifts, vouchers and merchandise through the <a href=\"https:\/\/rewardz.pnb.bank.in\/user\/login\" target=\"_blank\" rel=\"noopener\">PNB Rewardz portal<\/a>. Additionally, card members can avail:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Concierge Services<\/strong>: Get your personal assistance for round-the-clock travel and medical needs with PNB\u2019s exclusive concierge services.\u00a0<\/li>\n\n\n\n<li><strong>Lost Card Liability<\/strong>: In case of misplacement, ensure to inform the authorities to bear limited liability for any fraudulent transaction.\u00a0\u00a0<\/li>\n\n\n\n<li><strong>Easy EMI Conversion<\/strong>:\u00a0 Convert purchases of \u20b92,500 or more into easy EMIs. You can choose flexible repayment tenures up to 36 months as per your convenience.\u00a0<\/li>\n\n\n\n<li><strong>Add-on Cards<\/strong>: You can apply for up to 2 add-on cards for family members and manage expenses easily under one account.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-are-the-pnb-wave-pay-credit-card-charges\"><strong>What are the PNB Wave &amp; Pay Credit Card Charges?&nbsp;<\/strong><\/h2>\n\n\n\n<p>The PNB Wave &amp; Pay credit card in the VISA Platinum variant attracts an annual fee of \u20b9500 and no joining fee. Other charges include:&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Type&nbsp;<\/strong><\/td><td><strong>Amount<\/strong><\/td><\/tr><tr><td>Finance Charges<\/td><td>2.95% per month (35.89% yearly)&nbsp;1.5% per month for cards against FD (19.56% yearly)<\/td><\/tr><tr><td>Add-on Card Joining Fee<\/td><td>\u20b9500<\/td><\/tr><tr><td>Late Payment Fee<\/td><td>Less than \u20b91,000: NIL&nbsp;\u20b91,001 &#8211; \u20b95,000: \u20b9500&nbsp;\u20b95,001 &#8211; \u20b910,000: \u20b9600&nbsp;Above \u20b910,000: \u20b9750&nbsp;<\/td><\/tr><tr><td>Foreign Currency Exchange<\/td><td>3.5%&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\ud83d\udca1Keep your credit score safe and your payments organised by letting <a href=\"https:\/\/piceapp.com\/credit-card-bill-payment\/\">the Pice app<\/a> remind you and help you clear dues promptly!<\/p>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"footnote\"><strong>Footnote:<\/strong> <\/h3>\n\n\n\n<p>As per RBI guidelines, users of the PNB Wave &amp; Pay credit cards have a limit of \u20b95,000 per day for contactless payment.\u00a0<\/p>\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1784717468031\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Is there any fee for using the contactless feature on the PNB Wave &amp; Pay credit card?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>No, there is no additional fee for using the contactless payment feature. It is included as part of the card benefits.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1784718136219\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Can a contactless transaction take place on the PNB Wave &amp; Pay credit card if I pass by a POS terminal?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>No. The contactless feature only works if a card is waved within 2cm of a POS machine. Thus, it is very unlikely to pay contactlessly while passing by.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1784718151987\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What if I accidentally wave the PNB Wave &amp; Pay credit card twice at the machine?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Even if you wave the card multiple times, it will only process one transaction at a time.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways\u00a0\u00a0 The PNB Wave &amp; Pay credit card is designed for customers who prefer quick and secure transactions. With contactless technology, you can simply tap your card at enabled POS terminals to make payments without entering a PIN.\u00a0 This card is ideal for everyday spending such as groceries, dining, fuel and online shopping. Let [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":86816,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-86815","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/86815","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=86815"}],"version-history":[{"count":2,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/86815\/revisions"}],"predecessor-version":[{"id":86819,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/86815\/revisions\/86819"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/86816"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=86815"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=86815"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=86815"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}