What is PNB Wave & Pay Credit Card?

Enjoy fast, secure payments with PNB Wave & Pay Credit Card—just tap for purchases under ₹5,000 without entering a PIN, thanks to Visa PayWave tech.

Contactless Convenience

Make everyday transactions easier and faster. Just tap your card at POS terminals and go—no swiping or signing needed for payments under ₹5,000!

Reward Points That Add Up

Earn 2 reward points for every ₹150 spent. Redeem points for vouchers or services—1,000 points = ₹500. Points expire after 3 years, so use them wisely!

Concierge Services 24x7

Need help booking travel, hotels, or visa services? Get round-the-clock concierge support—perfect for frequent travelers and busy professionals.

Add-on Cards for Family

Get up to 2 free add-on cards for family members aged 18+. Let them enjoy all the card benefits without extra fees or separate applications.

Charges You Should Know

No joining fee, annual fee of ₹499 + GST. Cash advance fee is 2.5% (min ₹500). Finance charges up to 5% per month if bills are unpaid.

Eligibility Criteria

Applicants must be 18–70 years old. Minimum ₹1 lakh annual income required. Good credit score (750+) improves approval chances.

Documents Required

Submit ID proof, address proof, 3 months’ income slips or ITR, and a passport-sized photo when applying online or offline.

Where Can You Use It?

Use your PNB Wave & Pay Card for shopping, travel, dining, utility bills, or EMIs—online and offline, in India and globally, anywhere Visa is accepted.

Is It Worth Getting in 2025?

Absolutely! If you're a smart spender, love rewards, and need fast, secure payments, the PNB Wave & Pay Credit Card is a solid pick for 2025.