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PUNJAB NATIONAL BANK GLOBAL CLASSIC CARD REVIEW

 Punjab National Bank Global Classic Credit Card is a multipurpose credit card offered by the Punjab National Bank to fulfill its customer’s every type of requirement.





The special benefits of using the PNB Global Classic Credit Card can be found at dining, traveling, entertainment, purchasing fuel, booking transport reservations, etc. 

It also provides the additional benefit of earning reward points that can be redeemed for attractive gifts.

Benefits of PNB Global Classic Credit Card

  • Utility Bill Payment : Punjab National Bank Global Classic Card can be used to pay your utility bills such as telephone bills, electricity bills, gas bills, etc.

  • Sarovar Hotels : PNB Global Classic Credit Card offers a discount worth 10%-25% on the transaction amount on Food & Beverages at Sarovar Hotels. 

  • Kairali Ayurvedic Group : PNB Global Classic Card offers a discount worth 10% off on MRP at the outlets of Kairali Ayurvedic Group.

  • Supplementary cards : PNB Bank Global Classic Credit Card offers a facility where the primary cardholder can share his/her credit limit with their family members by availing of Add-On cards for them. This facility can be availed by the applicant’s children once they are 18 years old.  

  • Photo Cards : PNB Global Classic Credit Card lets the customers choose if they want their photos imprinted on the credit card. This increases the security and helps in easy recognition at merchant outlets.

  • Fuel Surcharge Waiver : With PNB Bank Global Classic Card, get a fuel surcharge waiver for fuel spends between Rs. 400 to Rs. 3,000 at any pump.

  • Purchase of Railway Tickets : With PNB Global Classic Credit Card, get surcharge waivers on Railway Tickets, and get a waiver of 2.5% at Railway counters & 1.8% at the IRCTC website.

Features of PNB Bank Global Classic Credit Card

  • Global Privilege : Customers can use their PNB Global Classic Credit Card globally at any merchant outlet that accepts VISA Cards. In India as well as worldwide, this card is accepted at the ATMs for cash withdrawal, if it has displayed a VISA logo.

  • Free Credit Period : PNB Global Classic Credit Card offers an interest-free credit period ranging from 20-50 days to its customers if full payment is made towards the outstanding dues on your credit card on or before the due payment date.

  • Revolving Credit Facility : With the PNB Global Classic Credit Card, the customer can pay just the minimum amount due on their credit card instead of the total amount due and the balance will be adjusted on next month’s bill.

  • Rewards Programme : With Global Classic Credit Card, earn 2 Rewards Points for every Rs. 100 spent. Once 500 reward points are collected, they can be easily redeemed for any exciting gift from the rewards catalog.

  • EMI Scheme : Avail EMI Facility with PNB Global Classic Card and convert your high-end purchases to simple and affordable. EMIs can be easily repaid on a monthly basis.

PNB Global Classic Card Fee and charges

To apply for a global classic card, you have to pay fees and charges applied by the Punjab National Bank. It covers all charges and fees made by a bank to their customers.The following charges are taken from Punjab National Bank i.e joining fee, annual fee, interest rate, late payments charges etc.


Type of charge

Amount

Initial Joining Fee

NIL

Add-On Card fee

NIL

Renewal Fee

NIL

Annual Fee

NIL

Finance Charge on revolving credit, outstanding amount, cash withdrawn on credit card, etc.

2.45% per month

APR on revolving credit

29.81% per annum

Cash Advance Transaction Charges in PNB’s ATMs 

2% of cash withdrawn, or Rs. 50 whichever is highest

Cash Advance Transaction Charges in other ATMs

2% of cash withdrawn, or Rs. 75 whichever is highest

Cash Advance Transaction Charges Overseas

2% of cash withdrawn, or Rs. 150 whichever is highest

Late Payment Fees

30% of the minimum amount due, with the minimum amount ranging between Rs. 200 to Rs. 500 in each billing cycle

Overlimit Fees

2.5% or Rs. 250, whichever is the highest

Cheque Dishonour Charges

Rs. 100 per incident

Charges applicable on Provision of Duplicate Statement of Account, beyond 3 months

Rs. 50

PIN Replacement Fee

Rs. 50 per card

Retrieval of Charge Slip

Rs. 100

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