PNB Credit Card Reward Points – Updated Guide to Earning & Redemption

Key Takeaways
 

• PNB credit cards give strong value by offering 1–2 reward points per ₹100–₹150 spent, turning everyday purchases into useful savings.
   
• PNB allows users to redeem points easily for shopping vouchers, fuel, travel bookings, and gift items through its Rewards Catalogue.
   
• PNB boosts earnings with bonus points on dining, fuel, welcome benefits, and milestone rewards like 5,000 points for ₹5,00,000 annual spending.
   
• Smart spending on one PNB credit card helps save ₹5,000–₹10,000+ each year, especially when combined with partner offers and timely payments.

Bonus Tip: Punjab National Bank (PNB) will offer credit card deals from October to December, helping customers save on travel, shopping, lifestyle spends, and daily essentials.

PNB Credit Card Reward Points are loyalty benefits offered by Punjab National Bank to its credit cardholders for every eligible transaction. 

Rohit Sharma, a 32-year-old IT professional from Pune, spends around ₹50,000 monthly on groceries, fuel, and online shopping using his PNB Global Credit Card. With an average of 2 reward points per ₹150 spent, he earns about 660 reward points every month. Over the year, these points accumulate into valuable vouchers worth nearly ₹5,000, helping him save significantly without changing his spending habits.

Let’s now explore how PNB Credit Card Reward Points work, the best cards to earn them, and the smart ways to redeem and maximise their value.

Top PNB Credit Card Reward Points

Punjab National Bank offers various credit cards tailored for different spending needs. Here are the top ones that provide excellent reward benefits:
 

Each card caters to a unique lifestyle. Whether you shop frequently, travel often, or manage family expenses, there’s a PNB Credit Card that rewards you for every rupee spent.

Types of PNB Credit Card Reward Programmes

PNB’s reward system is designed to suit diverse cardholders. The reward structure may differ depending on your card type, but generally includes:

• Standard Rewards: Earn points on regular retail and utility transactions.
   
• Bonus Rewards: Additional points on specific categories like dining, fuel, or travel.
   
• Welcome and Renewal Points: Some cards offer extra points as a joining or renewal bonus.
   
• Milestone Rewards: Earn bonus points on reaching annual spending milestones, for example, 5,000 bonus points on spending ₹5,00,000 in a year.

These categories ensure that every cardholder benefits from their spending pattern, making it a practical and rewarding experience.

How to Redeem PNB Credit Card Reward Points

Redeeming PNB Credit Card Reward Points is straightforward and can be done through different channels. Let’s look at the two most convenient ways.

Via Net Banking
 

1. Visit the official PNB Credit Card Net Banking portal.
    
2. Log in using your registered ID and password.
    
3. Click on ‘Redeem Reward Points’ under the rewards or account section.
    
4. Choose your preferred reward item or voucher category.
    
5. Confirm your redemption request and wait for delivery or credit confirmation.

Once redeemed, you’ll receive an acknowledgement via email or SMS. The redemption value generally ranges between ₹0.25 and ₹0.50 per point, depending on the reward item chosen.

Via Customer Care

If you prefer assistance, you can redeem your reward points by contacting PNB Credit Card Customer Care.

• Call the PNB Credit Card helpline at 1800 180 2345.
   
• Provide your credit card number and registered details for verification.
   
• Inform the representative about your preferred reward redemption category.
   
• They will process your request and confirm it through SMS or email.

This method is especially helpful for customers who are not comfortable with online processes.

PNB Credit Card Rewards Catalogue

PNB offers a comprehensive Rewards Catalogue featuring a wide range of redemption options. Here’s what you can get using your accumulated points:

• Shopping Vouchers: Redeem points for e-vouchers from brands like Amazon, Flipkart, and Lifestyle.
   
• Travel Bookings: Use points for flight or hotel bookings via partner portals.
   
• Fuel Redemption: Offset fuel expenses by redeeming points at select petrol outlets.
   
• Gift Items: Choose from home appliances, watches, and electronics.
   
• Bill Payments: Some cards allow using points to pay credit card or utility bills.

The catalogue is regularly updated, ensuring cardholders always have new and exciting options.

Tips to Maximise PNB Credit Card Reward Points

Earning more reward points doesn’t always mean spending more; it’s about spending smart. Here’s how you can make the most of your PNB Credit Card Reward Programme:

• Use One Card for Most Purchases: Concentrate your spending on one PNB credit card to accumulate points faster.
   
• Shop with Partner Merchants: Look out for PNB’s partnered outlets and online platforms offering extra points.
   
• Pay Utility Bills through the Card: Regular bill payments can earn you consistent reward points.
   
• Avoid Late Payments: Timely payments ensure you don’t lose your accumulated points.
   
• Track Expiry Dates: Reward points usually expire within 2 to 3 years, so redeem them before they lapse.

Smart use of your card can turn routine expenses into rewarding savings throughout the year.

Conclusion

The PNB Credit Card Reward Points programme is a practical way to save while spending. It turns your daily transactions into valuable benefits that can be redeemed for shopping, travel, or bills. Whether you’re a frequent traveller or a casual shopper, understanding how to earn, track, and redeem your points ensures you make the most of your credit card experience.

If you haven’t started yet, explore Punjab National Bank’s credit card range today and enjoy a smarter, more rewarding financial journey.

FAQs Related to PNB Credit Card Reward Points

Q1. How do PNB Credit Card Reward Points differ across shopping, travel, and dining categories?
PNB Credit Card Reward Points vary by category, with higher earnings typically offered on dining, groceries, and travel spends.

Q2. Can PNB Credit Card Reward Points be earned on EMI transactions made through the credit card?
PNB Credit Card Reward Points are usually not awarded on EMI conversions unless the specific card allows it.

Q3. Are PNB Credit Card Reward Points awarded on international transactions made in foreign currency?
PNB Credit Card Reward Points can be earned on eligible foreign currency spends depending on the card variant.

Q4. Do fuel purchases qualify for PNB Credit Card Reward Points on all PNB cards?
PNB Credit Card Reward Points are not offered on fuel spends for most cards, except specific reward-focused variants.

Q5. How can PNB Credit Card Reward Points help reduce the overall cost of big-ticket purchases?
PNB Credit Card Reward Points reduce big-ticket costs by offering vouchers, discounts, or cashback-equivalent redemptions.

Q6. What happens to unused PNB Credit Card Reward Points if a credit card account is closed?
PNB Credit Card Reward Points expire immediately once the credit card account is closed.

Q7. Are PNB Credit Card Reward Points credited instantly after a transaction or after the billing cycle?
PNB Credit Card Reward Points usually reflect after the transaction is settled or once the billing cycle is generated.

Q8. Is there any limit on the maximum number of PNB Credit Card Reward Points that can be earned in a month?
PNB Credit Card Reward Points may have monthly caps depending on the card’s reward structure and category rules.
 

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