PNB Visa Signature Card: Features & Benefits

Summary

Punjab National Bank (PNB) supplies the premium credit card PNB Visa Signature Card, intended to provide its clients unique rights, rewards, and benefits.   This card would be suitable for people desiring a luxurious lifestyle with luxury facilities, including cashback incentives, meal discounts, and travel benefits.   

One of the key advantages of this card is the reward points program, which lets users collect points on every transaction and redeem them for fantastic gifts, vouchers, or cashback.   Moreover, granting free access to airport lounges, the card makes flying easier.   It also includes complete insurance covering travel and accidental damage, thereby offering financial protection should a disaster strike. 

For consumers, the Punjab National Bank Visa Signature Card offers unique online and offline savings on a small number of selected brands.   Additionally, being able to get waivers on gasoline costs will help cardholders save on overall fuel consumption. Moreover, this card is rather well-known, which aids foreign travelers looking for easy transactions.

Introduction

One credit card with a lot of unique features and benefits is the Punjab National Bank Visa Signature Card. Designed especially for those who wish to use extra premium services during daily life, the Punjab National Bank Visa Signature Card offers Great reward points, cashback offers, and travel and lifestyle benefits abound on PNB Visa Signature Cards issued by Punjab National Bank (PNB).

Apart from this, consumers using the Punjab National Bank Visa Signature Card also get many discounts and incentives on other kinds of shopping, dining, and leisure. If you wish to accumulate reward points on every purchase and redeem them later to get discounts on a range of goods and services, the  Punjab National Bank Visa Signature Card is an excellent choice.

Apart from this, cardholders can also use a lot of other premium services, such as travel insurance and free access to airport lounges. Using the Punjab National Bank Visa Signature Card allows you to enjoy improved and comfortable living as well as financial freedom.

In today’s essay, we will discuss in detail the Punjab National Bank Visa Signature Card. About which we will go into great length in terms of advantages. This article will also go over the Punjab National Bank Visa Signature Card fees and go into great length on how to apply for it. Thus, go through this article till the very last to avoid any difficulties later.

What is the PNB Visa Signature Card?

Punjab National Bank is issuing a premium credit card called the Signature Card. Designed especially for consumers seeking extra benefits and reward points on their purchases, travel, and lifestyle, the Punjab National Bank Visa Signature Card

Along with travel insurance, you get special savings on shopping, dining, and entertainment using Punjab National Bank Visa Signature Card access to airport lounges. The PNB Visa Signature Card gives you the chance to experience premium services as well as makes your regular spending more fulfilling.

What is the design of the PNB Visa Signature Card?

The design of the Signature card is very premium and elegant. The Punjab National Bank Visa Signature card has a classic and stylish look, which makes it special. The Visa Signature logo is printed on the card, which indicates its premium category.

It has been specially used in dark colors, which gives it an elegant finish. Apart from this, the name of the bank and your name are written clearly and beautifully on the card, which makes it even more professional and special for the customers.

What are the benefits of the PNB Visa Signature Card?

A signature card has the following benefits:

1. Travel Benefits:

• Airport Lounge Access: With the Punjab National Bank Visa Signature card, you get the benefit of free access to the lounges of select domestic and international airports. Through which your journey proves to be comfortable.

• Travel Insurance: With the Punjab National Bank Visa Signature card, you also get the benefit of travel insurance. Under this, if you die in an accident while traveling by air, then you get the benefit of insurance.

2. Lifestyle Benefits:

• Discount on Entertainment: With the Punjab National Bank Visa Signature card, you get a 50% discount on movie tickets as an entertainment benefit.

• Discount in Dining: With the Punjab National Bank Visa Signature card, you also get a discount on food. Under which you get a discount on eating food in the restaurant.

• Golf Benefit: With a Punjab National Bank Visa Signature card, you get to enjoy premium golf courses and golf events as a golf benefit.

3. Financial Benefits:

• Higher Credit Limit: With a Punjab National Bank Visa Signature card, you get the benefit of a higher credit limit. Under which you can make more purchases.

• Flexible Repayment Option: With the Punjab National Bank Visa Signature card, you get different payment options.

• Reward Points: You get reward points on purchases made with your Punjab National Bank Visa Signature card. Which you can also redeem later.

4. Other Benefits:

• Waiver of Annual Fee: If you spend Rs 3 lakh within a year using your Punjab National Bank Visa Signature card, then your annual fee is waived.

• Add-on Card: Punjab National Bank Visa Signature card also offers the facility of an add-on card, under which you can add your members to this card.

What are the PNB Visa Signature Card fees?

Here is a simple Punjab National Bank Visa Signature Card fee breakup.

Joining Fee	₹1,500 + GST
Annual Fee	Rs 2000 + GST
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 Visa Signature Card?

The following are the primary requirements:

1. You must be between 18 and 70 years old to apply for the Punjab National Bank (PNB) Visa Signature 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 favors 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 Visa Signature Card?

The documents that you will have to submit to Get a Punjab National Bank Visa Signature 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 Visa Signature Card be used?

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

• With the Punjab National Bank Visa Signature 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 Visa Signature Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The Punjab National Bank Visa Signature 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 Visa Signature Card?

The credit amount you can spend is what you are provided with a Punjab National Bank Visa Signature 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 Visa Signature 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 Visa Signature Card.

• Just hover your cursor on the Punjab National Bank Visa Signature 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 Punjab National Bank Visa Signature Card.

• Request for the credit card application form for the Punjab National Bank Visa Signature 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 Visa Signature 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 Visa Signature Card in 2025 be right?

Yes, getting a Punjab National Bank Visa Signature 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

For those who want to enjoy a premium lifestyle in addition to benefits on their regular purchases and expenses, the Punjab National Bank (PNB) Visa Signature Card is a great choice. Using the Punjab National Bank Visa Signature Card allows you to take advantage of discounts, reward points, and a wide range of offers that will help to further reduce your expenditure. 

Apart from this, the Punjab National Bank Visa Signature Card is a terrific choice for daily needs since it turns every purchase—from dining to shopping to travel—into reward points you may later use for even more benefits.

If you want to get a credit card that not only gives you financial freedom but also enhances your lifestyle, then the Punjab National Bank Visa Signature card can prove to be the right choice.  Considering its features and benefits, the PNB Visa Signature card will not only meet your needs but will also let you enjoy additional benefits.

Frequently Asked Questions (FAQs)