PNB Global Platinum Credit Card: Features & Benefits

Summary

The Punjab National Bank (PNB) Global Platinum Credit Card is its greatest product. It’s designed for those seeking simplicity of use, benefits, and financial freedom as well as for those. This platinum card is safe and simple to use since it features an EMV chip and contactless payment technologies. It also looks amazing.

Among its best aspects is the reward point system. Users gain two reward points for each ₹150 paid. Every purchase is more worthy when you can trade these points for services, coupons, and gifts. It is also easily accessible anywhere in the globe, which helps visitors and consumers pay in millions of Indian and other stores.

The card eliminates the 1% fuel charge at gas stations scattered over India. This enables daily travelers to save money. Furthermore, the interest-free credit time of up to 50 days provides financial flexibility for individuals, which facilitates the monitoring of their expenditure. The card also features an EMI facility that allows you to make simple monthly payments if you choose to pay for large purchases over time.

Introduction

Designed by Punjab National Bank, the PNB Global Platinum Credit Card is a premium credit card with plenty of unique advantages for its users. The Punjab National Bank Global Platinum Credit Card is ideal for those who wish to make the most of their everyday spending and enjoy unique offers and rewards on activities like travel, shopping, dining, etc.  The Punjab National Bank Global Platinum Credit Card is perfect for international transactions as well as in India, thus, it can be used anywhere.

With a credit card, customers get access to excellent reward points that can be redeemed later. Additionally, the Punjab National Bank Global Platinum Credit Card also earns reward points on shopping internationally, making it a great asset for travelers and international business persons. The cardholder gets access to a wide range of benefits, such as airport lounge access, gift vouchers, cashback offers, and discounts.

Insurance protection is also provided to the users through the Punjab National Bank Global Platinum Credit Card. It includes facilities like air accident insurance, credit card loss protection, and personal accident insurance. The Punjab National Bank Global Platinum Credit Card offers customers a great combination of security and features, which helps them to make their expenses comfortable and safe.

In today’s article, we will discuss in detail the Punjab National Bank Global Platinum Credit Card. In this article, we will tell you in detail about its benefits. Along with this, we will also discuss the fees of the Punjab National Bank Global Platinum Credit Card in this article and will also discuss in detail how to apply for it. So read this article till the end so that you do not have any problem later.

What is the PNB Global Platinum Credit Card?

Punjab National Bank’s premium credit card, the Credit Card, provides several special advantages and features for its clients. Designed especially for people who want to take advantage of rewards and discounts on daily expenses as well as travel, shopping, and eating, the Punjab National Bank Global Platinum Credit Card is

Perfect for foreign transactions, the Punjab National Bank Global Platinum Credit Card is also accessible. It’s a great option since cardholders gain rewards, including reward points, cashback, insurance protection, and access to airport lounges.

What is the design of the PNB Global Platinum Credit Card?

The Punjab National Bank Global Platinum Credit Card boasts a clean, contemporary look. Its elegant, platinum-colored backdrop has the Punjab National Bank (PNB) emblem at the top. 

For tap-and-pay purchases, the card is simple to use with its EMV chip for safe transactions and the contactless payment symbol. A simple but elegant design gives the credit card a premium appearance that symbolizes the exclusiveness of a platinum card.

What are the benefits of the PNB Global Platinum Credit Card?

Among the various advantages of the Punjab National Bank Global Platinum Credit Card are actual reward points and special privileges:

1. Spend every ₹150 to earn two reward points. One can use these points for certificates and interesting items.

2. Use the card at millions of stores both here in India and elsewhere. Worldwide Acceptance

3. Get a 1% fuel surcharge waiver at Indian petrol stations.

4. Contactless payments let you tap and pay for quicker, safer transactions.

5. Purchase credit free from interest for up to 50 days.

6. E MI Facility: Create simple monthly EMIs from high-value purchases.

7. Complimentary Insurance: Get personal accident cover and lost card liability protection.

What are the PNB Global Platinum Credit Card fees?

Here is a simple Punjab National Bank Global Platinum Credit Card fee breakup.

Joining Fee	₹999 + GST (one-time fee when you get the card).
Annual Fee	₹999 = GST per year. This will be waived if you spend ₹1,50,000 or more in 90 days.
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, 3. there is a 5% per month (42% annually) charge on the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting a PNB Global Platinum Credit Card?

The following are the primary requirements:

1. You must be between 18 and 70 years old to apply for the Punjab National Bank Global Platinum Credit Card.

2. The income requirement differs according to your employment status:

• Self-Employed Professionals: A minimum Annual income of Rs 2,00,000 is usually the job.

3. A secured income ensures regular, timely payments on the credit card bill. Any amount above it ensures that the approval probability is increased.

4. Your credit score plays a role in the selection process. Punjab National Bank tends to favor borrowers with a better credit score, usually above 750. 

5. You must be an Indian resident and have valid address proof within the country. 

6. A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.

7. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good, consistent income. This may be your income tax returns and bank statements.

What documents are required to get a PNB Global Platinum Credit Card?

The documents that you will have to submit to Get a Punjab National Bank Global Platinum Credit Card are as follows:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the PNB Global Platinum Credit Card be used?

Here is the list of places where you can use it:

• With the Punjab National Bank Global Platinum Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your Punjab National Bank Global Platinum Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The Punjab National Bank Global Platinum Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the PNB Global Platinum Credit Card?

The credit amount you can spend is what you are provided with a Punjab National Bank Global Platinum Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for one person and ₹1,00,000 for another or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for a PNB Global Platinum Credit Card?

Apply it through both these modes: 

Online Application Process

• Visit the official website of the Punjab National Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by the Punjab National Bank; for instance, you can choose the Punjab National Bank Global Platinum Credit Card.

• Just hover your cursor on the Punjab National Bank Global Platinum Credit Card, followed by selecting ‘Apply Now’ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

• You can walk into the nearest Punjab National Bank branch to apply for the Global Platinum Credit Card.

• Request for the credit card application form for the Punjab National Bank Global Platinum Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the Punjab National Bank Global Platinum Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Punjab National Bank Card website or mobile app or by calling their customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting a PNB Global Platinum Credit Card in 2025 be right?

Yes, getting a Punjab National Bank Global Platinum Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and have good credit, it might be a very good option in 2025.

Conclusion

Finally, for consumers seeking a premium experience and who wish to maximize their expenditure, the Punjab National Bank Global Platinum Credit Card can be an excellent option. The Punjab National Bank Global Platinum Credit Card not only makes your daily spending simple and handy but also rather appealing with its benefits, including reward points, cashback, access to airport lounges, and insurance coverage.

Apart from providing financial security and simplicity, the Punjab National Bank Global Platinum Credit Card is a smart approach to managing your spending since the convenience of foreign transactions and full security coverage assist you in bettering your lifestyle with their wonderful facilities and benefits. 

The Punjab National Bank Global Platinum Credit Card can prove to be the best option if you are seeking a credit card that satisfies all your wants and allows you to enjoy different rewards. Designed to be your friend in financial freedom and wise spending, the Punjab National Bank Global Platinum Credit Card offers not only a seamless transaction experience but also a premium lifestyle.

Frequently Asked Questions (FAQs)