PNB Global Visa Gold Credit Card
One point per ₹100 eligible purchase, worth ₹0.25 before one redemption fee and ₹300 annual card fee.
Try your spend →How this estimate works
PNB reward chart lists Visa Gold (BIN 419789) at one point per complete ₹100 eligible purchase. Its September 2024 point-value notice sets ₹0.25 per point, overriding the portal’s stale ₹0.50 promotional copy. The current MITC requires 1,000 points for a redemption and charges ₹99 plus GST for each claim. This model projects one eligible purchase repeated monthly. If projected points reach 1,000 in a year, it deducts one estimated ₹116.82 claim fee from their annual value; below that threshold one-year usable rewards show as zero. PNB fee schedule lists nil joining fee and ₹300 annual fee plus tax; its waiver requires a card-use, quarterly retail-spend and account-history test, so this model does not assume a waiver. The fee is charged even if reward value is zero. Fuel, utilities and special merchant routes are not valued without exact merchant classification. Points expire after three years, and longer accumulation is not assumed.
Issuer terms
PNB Visa Gold earning chart · PNB point value notice · PNB redemption minimum and claim fee · PNB card fee schedule and waiver conditions
Terms checked 29 September 2026. Verify your variant and statement before applying.