Punjab National Bank (PNB) is one of India’s leading public sector banks, offering a wide range of credit cards in 2026 for all types of users, from beginners to frequent travellers. Its RuPay-UPI integration allows users to link credit cards with UPI apps and make payments via merchant QR codes while earning cashback on eligible spends.
A standout option is the PNB Kiwi Credit Card, a lifetime-free co-branded RuPay card offering cashback on eligible UPI merchant transactions. Backed by Kiwi, it is widely used across India, and this guide covers the top 5 PNB credit cards, their benefits, fees, and suitability.
Why Choose a PNB Credit Card?
PNB credit cards offer something for every type of spender – without the high fees that premium private bank cards charge.
- RuPay + UPI support – Pay at merchant QR codes using your credit card
- Lifetime free options – PNB Kiwi Card is completely free, while PNB RuPay Platinum costs nothing if used at least once a quarter
- Co-branded range – Kiwi and EaseMyTrip partnerships add focused value
- Lounge access on select cards – Real travel perks at reasonable fees
- Affordability range – Nil to ₹9,000 + GST across the full portfolio
Best PNB Credit Cards in India (2026) – Quick Comparison
| Card Name | Network | Type | Joining Fee | Annual Fee | Best For |
| PNB Kiwi Credit Card | RuPay | Co-branded | Lifetime Free | Lifetime Free | UPI & Cashback |
| PNB LUXURA RuPay Metal | RuPay | Standard | ₹9,000 + GST | ₹7,500 + GST | Travel & Luxury |
| PNB RuPay Select | RuPay | Standard | ₹500 + GST | ₹750 + GST | Shopping & Rewards |
| PNB RuPay Platinum | RuPay | Standard | Nil | ₹500 + GST | Beginners |
| PNB EMT RuPay Platinum | RuPay | Co-branded | ₹2,000 + GST | ₹2,000 + GST | Travel (EaseMyTrip) |
Top PNB Credit Cards
1. PNB Kiwi Credit Card – Best for UPI Cashback
The PNB Kiwi Credit Card is a lifetime free co-branded RuPay card built for daily UPI spenders. It earns 1.5% cashback on Scan & Pay merchant payments and 0.5% on eligible online transactions – with zero joining and zero annual fee, ever. Whether you are paying for groceries, ordering food, or scanning at any merchant QR, every eligible transaction earns you real cashback automatically that you can withdraw to your bank account anytime. Powered by the Kiwi app, you get real-time cashback tracking, seamless UPI payment management, and instant visibility on your savings – all in one place.
Get Lifetime Free PNB Kiwi Card
2. PNB LUXURA RuPay Metal Credit Card
PNB’s flagship premium metal card for frequent travellers. Earn 4 Reward Points per ₹100 spent (3X on dining and travel), get 40,000 welcome reward points on spending ₹50,000 in the first 90 days, and enjoy unlimited domestic and international airport lounge access. Zero forex markup makes it ideal for international spending.
- Joining Fee: ₹9,000 + GST (waived on spending ₹2,50,000 within 3 billing cycles)
- Annual Fee: ₹7,500 + GST (waived on ₹8L annual spend)
3. PNB RuPay Select Credit Card
A popular mid-range card offering 2 Reward Points per ₹150 spent and 300 welcome bonus reward points. The annual fee is waived if you use the card at least once every quarter, making it practically free for regular users. Includes basic travel perks and shopping benefits.
- Joining: ₹500 + GST
- Annual: ₹750 + GST (waived on quarterly usage)
4. PNB RuPay Platinum Credit Card
The ideal zero-fee card for first-time credit users. Earn 1 Reward Point per ₹100 spent, get 300 welcome reward points, and enjoy basic travel perks including complimentary lounge access per quarter. No joining fee – annual fee waived if used at least once a quarter. Straightforward and reliable.
- Joining: Nil
- Annual: ₹500 + GST (waived if used at least once every quarter)
5. PNB EMT RuPay Platinum Credit Card
A co-branded travel card with EaseMyTrip. Earn 4 Reward Points per ₹100 on all spends and get a ₹3,000 welcome voucher for flight, hotel, and holiday bookings plus 300 reward points on your first transaction. Good choice for users who frequently book travel via EaseMyTrip.
- Joining: ₹2,000 + GST
- Annual: ₹2,000 + GST (waived on spending ₹1 Lakh annually)
PNB Card Eligibility Criteria
| Criteria | Requirement |
| Age | 21-70 years (add-on: 18+) |
| Employment | Salaried or self-employed |
| Minimum Income | Varies by card |
| CIBIL Score | 700+ recommended |
Documents needed: PAN card, Aadhaar / address proof, Salary slips or ITR, Bank statements (last 3 months)
How to Apply
Via Kiwi App (PNB Kiwi Credit Card)
Download the Kiwi app from Google Play or the App Store, complete your application in minutes, and get quick access to your digital card upon approval.
Online (other PNB cards)
Visit PNB official website or PNB SARAL App, choose your card, fill details, complete Video KYC, submit documents.
Conclusion
For daily UPI users, the PNB Kiwi Credit Card is the clear winner – free for life, earns cashback on eligible merchant UPI transactions, and is backed by the Kiwi platform trusted by 30 lakh+ users across 586+ cities in India who have collectively saved money every day.
Pick the card that matches your spending habit. Use it on eligible transactions. And make every scan and pay count.
Apply for PNB Kiwi Credit Card – Pay Smarter with Kiwi
Frequently Asked Questions
1. Which is the best PNB credit card in India?
For UPI cashback, the PNB Kiwi Credit Card is the top choice – lifetime free with cashback on eligible merchant UPI transactions. For travel, the PNB LUXURA RuPay Metal offers premium benefits. For beginners, the PNB RuPay Platinum is the simplest zero-fee start.
2. Is the PNB Kiwi Card really lifetime free?
Yes – no joining fee, no annual fee, and no spend target required to keep it free. One of the very few truly lifetime free co-branded RuPay credit cards in India.
3. Can I use PNB RuPay Card for UPI payments?
Yes. All PNB RuPay cards support UPI merchant payments. Link your card to any UPI app and scan to pay at merchant QR codes. As per NPCI guidelines, this is for merchant payments (P2M) only – not for peer-to-peer transfers.
4. What is the interest rate on PNB credit cards?
The standard rate is 2.95% per month (35.89% per annum). Pay your full outstanding balance before the due date every month to avoid interest charges entirely.
5. How do I redeem PNB reward points?
Log in to the PNB Rewardz portal and redeem points for travel bookings, merchandise, mobile recharge, or movie tickets. Minimum 500 points needed; each point = ₹0.25. For PNB Kiwi Card users, cashback can be transferred directly to the savings account from Kiwi.
