PNB Credit Card Charges: Full Fee Breakdown & Cost Guide

Key Takeaways
 

• Paying your PNB Credit Card dues on time helps avoid late payment and overlimit charges.
   
• Cash withdrawals, railway tickets, and fuel purchases may attract additional fees.
   
• Understanding all charges allows you to use your PNB Credit Card efficiently and benefit from its features.
   

PNB Credit Card charges include joining and annual fees, interest rates, cash withdrawal, late payment, and overlimit fees. 
 

For example, Ramesh uses his PNB Credit Card to pay utility bills and occasionally withdraws cash. By paying on time, he avoids late payment and overlimit charges while enjoying cashback and other benefits. 
 

This blog explains all major PNB Credit Card charges, helping users understand costs and use their card wisely.

PNB Credit Card Joining and Annual Charges

PNB Credit Card offers a range of options designed to suit different spending habits and preferences. Each PNB Credit Card comes with affordable Joining and Annual Charges, many of which can be waived through regular card usage.

Overall, PNB Credit Cards provide excellent value with minimal fees and attractive fee waivers, making them a smart choice for everyday and lifestyle spending.

PNB Credit Card Interest Rate Charges

With PNB Credit Cards, you can choose to pay only the minimum amount due on your monthly bill and carry forward the remaining balance to the next billing cycle. PNB Credit Card holders are charged a finance rate of 2.95% per month (Annualised Percentage Rate of 35.89%) on the outstanding balance.

The interest is calculated on the average daily balance and stops immediately once all dues are cleared. These rates and charges may change from time to time at the sole discretion of PNB.

PNB Credit Card Cash Withdrawal Charges

With a PNB Credit Card, you can withdraw cash from ATMs in India and abroad, but charges apply depending on the ATM used.

• Domestic PNB ATMs: 2% of the cash withdrawn or ₹150 for RuPay Select & Millennial / ₹100 for other cards, whichever is higher.
   
• Domestic Other ATMs: 2% of the cash withdrawn or ₹200 for RuPay Select & Millennial / ₹150 for other cards, whichever is higher.
   
• Overseas ATMs: 2% of the cash withdrawn or ₹250 for RuPay Platinum / ₹300 for other cards, whichever is higher.

These charges ensure transparency and are billed in your next statement. Using a PNB Credit Card responsibly can help you avoid unnecessary fees while enjoying convenient cash access.

PNB Credit Card Late Payment Charges

PNB Credit Card imposes late Payment charges if the total due amount is not cleared by the payment date. These charges vary based on the outstanding balance.
 

Clearing your dues on time helps PNB Credit Card holders avoid extra fees and maintain a healthy credit history.

Bonus Tip: Regularly check your PNB Credit Card statements and transaction alerts. This helps you spot any unexpected charges early and avoid late fees or interest on overlooked payments.

PNB Credit Card Overlimit Charges

With a PNB Credit Card, if you exceed your credit limit, an overlimit charge of 2.5% of the extra amount will apply. The minimum charge is ₹250 for Visa Classic/Gold cards and ₹500 for other card types. For cards issued against an FD, the minimum charge is ₹250.

Paying within your credit limit helps PNB Credit Card holders avoid these extra fees and manage their credit efficiently.

PNB Credit Card Other fees

The PNB Credit Card comes with certain other fees that cardholders should be aware of, covering replacement, cheque dishonour, railway ticket transactions, and fuel purchases. Understanding these charges helps you manage your card effectively.

By keeping track of these PNB Credit Card fees, you can avoid unexpected costs and use your card more efficiently for everyday and travel-related transactions.

Conclusion

Knowing PNB Credit Card charges helps you control spending, avoid extra fees, and fully enjoy the card’s benefits. By staying aware of interest rates, cash withdrawal fees, late payment charges, and other costs, you can use your card efficiently and cost-effectively.

FAQs
 

What is the joining fee for a PNB Credit Card?
Fees vary by card type; many cards have no joining fee if used at least once a quarter.
 

How is interest calculated on the PNB Credit Card?
Interest is 2.95% per month (APR 35.89%) on the average daily balance if full payment is not made.
 

What are the cash withdrawal charges?
Charges depend on ATM type: domestic PNB ATMs – 2% or ₹100–₹150; overseas – 2% or ₹250–₹300, whichever is higher.
 

What happens if I miss a payment?
Late payment charges range from ₹0 to ₹750 based on the outstanding amount; cards against FD have specific limits.
 

Are there any overlimit charges?
Yes, 2.5% of the overlimit amount applies (minimum ₹250–₹500 depending on card type).
 

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LoansJagat Team

‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.