Punjab National Bank
One and a half per cent back on every UPI scan, on a RuPay card that lives in an app.
One-time
Waived on ₹1,50,000/yr
Uncapped rewards
Score 700+
Applying takes you to Punjab National Bank. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
2 reward rates with their caps, taken from Punjab National Bank’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
See where each figure came fromEverything else
No published ceiling on this tier
Online shopping
No published ceiling on this tier
Government services All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
1.5% on Everything else — 1.5% cashback on UPI scan-and-pay transactions of Rs. 100 or more. This is the card’s main earn rate., with no stated cap.
Biggest limitation
The fee is disputed. Kiwi markets the virtual card as lifetime free, while the PNB portal shows Rs. 750 + GST a year plus Rs. 500 for a physical card, both waived on Rs. 1,50,000 of annual spend. Confirm which applies before the first renewal.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
1.5%
uncappedEverything else
1.5% cashback on UPI scan-and-pay transactions of Rs. 100 or more. This is the card’s main earn rate.
0.5%
uncappedOnline shopping
0.5% cashback on online spends.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹0 | — |
| Annual / renewal fee | ₹750 | Rs. 750 + GST renewal fee, waived on annual spends of Rs. 1,50,000 or more. Kiwi markets the virtual card as lifetime free; the PNB portal shows the fee. Confirm which applies to your card before the first renewal. |
| Add-on card | Nil. Punjab National Bank charges no add-on card fee. | — |
| Cash withdrawal | 2%, min ₹100 | Domestic PNB ATMs: 2% of the cash withdrawn or Rs. 100, whichever is higher (Rs. 150 on RuPay Select, Millennial and Luxura variants). |
| Late payment | Nil if the total payment due is up to Rs. 1,000; Rs. 500 between Rs. 1,001 and Rs. 5,000; Rs. 600 between Rs. 5,001 and Rs. 10,000; Rs. 750 above Rs. 10,000. | — |
| Foreign currency markup | 3.5% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
₹1,50,000 a year
is what it takes to keep the ₹750 fee off — about ₹12,500 a month
Not offered on the base card. Kiwi lists lounge access as a Neon subscription benefit at higher spends.
1% waiver. 1% surcharge waiver on a single fuel transaction of more than Rs. 400 and less than Rs. 4,000, capped at Rs. 350 within a billing cycle, exclusive of taxes.
1.5% on UPI spends. This is a RuPay card issued through the Kiwi app and built for UPI. Scan-and-pay UPI transactions of Rs. 100 or more earn 1.5% cashback — the card’s headline rate.
We do not have insurance & protection recorded for this card. Check the issuer's page before relying on it.
We do not have welcome or milestone benefits recorded for this card. Check the issuer's page before relying on it.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
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HDFC BankHDFC Pixel Credit Card BKSee fees
Federal BankMagniFi Fi-Federal Credit Card BKSee fees| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| Kiwi PNB Credit Card BK · this card | ₹750 | 1.5% everything else | No |
| IndiGo Axis Bank Premium Credit Card BK | ₹5,000 | See card | Included |
| IndiGo Axis Bank Credit Card BK | Lifetime free | See card | Included |
| Scapia Credit Card BK | Lifetime free | Up to 4% rewards | Included |
| Flipkart Axis Bank Super Elite BK | ₹500 | See card | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹750 plus GST, waived on ₹1,50,000 of annual spend.
The strongest published rate is 1.5% on everything else, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
No — airport lounge access is not offered on this card.
Yes. This is a RuPay card issued through the Kiwi app and built for UPI. Scan-and-pay UPI transactions of Rs. 100 or more earn 1.5% cashback — the card’s headline rate.
Government services Utility payments Insurance premiums Rent payments Fuel transactions Education fees Jewellery purchases Wallet loads Real estate payments Transactions below Rs. 100 No rewards on government services, utility payments, insurance premiums, rent payments, fuel transactions, education fees, jewellery purchases, wallet loads, real estate payments, transactions below rs. 100. Fuel, rent, wallet loads, cash-equivalent transactions and EMI conversions are generally excluded from milestone and welcome-benefit qualifying spends
Credited as cashback to the card account
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
No. This card carries no complimentary airport lounge access.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
Kiwi PNB Credit Card BK — 1.5% on everything else. ₹750 a year.
