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• Domestic PNB ATMs: 2% of the cash withdrawn or ₹150 for RuPay Select & Millennial / ₹100 for other cards, whichever is higher.
   
• Domestic Other ATMs: 2% of the cash withdrawn or ₹200 for RuPay Select & Millennial / ₹150 for other cards, whichever is higher.
   
• Overseas ATMs: 2% of the cash withdrawn or ₹250 for RuPay Platinum / ₹300 for other cards, whichever is higher.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

30% of the minimum amount due (Min ₹200, Max ₹500 per billing cycle)

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.