PNB Credit Card Charges Revised From November 1: Check New Fees for Cash Withdrawals, Utility Bill Payments and More
Credit cardholders often incur additional charges when withdrawing cash, missing payment deadlines or redeeming reward points. From November 1, 2026, Punjab National Bank (PNB) will revise several service charges applicable to its credit cards, including fees for cash advances, late payments, cheque returns and auto-debit failures. The revised schedule also introduces charges for reward redemption and certain utility bill payments, making it important for cardholders to understand how the changes could affect their costs.
Which PNB credit cards are covered?
The revised fee schedule applies to Visa and RuPay credit card variants, with specific charges varying by card type and transaction. These include PNB RuPay Platinum, PNB EMT RuPay Card, PNB RuPay Select, PNB Patanjali RuPay Platinum, PNB Metal Credit Card LUXURA and PNB Visa Classic, Gold, Platinum and Signature cards.
The bank has revised charges across several categories, including cash advances, late payments, cheque returns and auto-debit failures, duplicate statements, reward redemption and utility bill payments. The applicable fee depends on the transaction and the card's terms, so cardholders should check the revised schedule for their specific variant.
Cash advance charges revised from November 1
PNB is revising the fees charged on cash withdrawals made using its credit cards at domestic and overseas ATMs. From November 1, 2026, the cash advance fee for Visa and RuPay credit card variants will be 2.5% of the amount withdrawn or a specified minimum charge, whichever is higher. The minimum fee varies depending on where the withdrawal is made.
Revised cash advance charges
From November 1, 2026, the cash advance fee for Visa and RuPay credit cards will increase to 2.5% of the amount withdrawn or ₹400, whichever is higher, at PNB ATMs. At other domestic and overseas ATMs, the fee will be 2.5% or ₹500, whichever is higher.
Existing cash advance charges by PNB credit card
PNB credit card variant
PNB ATM
Other domestic ATM
Overseas ATM
PNB RuPay Platinum
2% or ₹100 minimum
2% or ₹150 minimum
2% or ₹250 minimum
PNB EMT RuPay Card
2% or ₹100 minimum
2% or ₹150 minimum
2% or ₹250 minimum
PNB RuPay Select
2% or ₹150 minimum
2% or ₹200 minimum
2% or ₹300 minimum
PNB Patanjali RuPay Platinum
2% or ₹100 minimum
2% or ₹150 minimum
2% or ₹250 minimum
PNB Metal Credit Card LUXURA
2% or ₹150 minimum
2% or ₹200 minimum
2% or ₹300 minimum
PNB Visa Classic, Gold, Platinum and Signature
2% or ₹100 minimum
2% or ₹150 minimum
2% or ₹300 minimum
Note: The charge is 2% of the amount withdrawn or the stated minimum, whichever is higher. Applicable GST is extra. Source: PNB's credit card service charge notice.
Late Payment Fees
Outstanding total amount due
Existing late payment fee
Revised fee from Nov 1, 2026
₹500 or less
Nil
Nil
₹501–₹1,000
Nil
₹500
₹1,001–₹5,000
₹500
₹750
₹5,001–₹10,000
₹600
₹750
₹10,000–₹50,000
₹750 for amounts above ₹10,000
₹1,000
Above ₹50,000
₹750
₹1,200
Source: PNB's revised credit card service charge notice
The revised fee structure changes the outstanding amount thresholds and increases the maximum late payment fee from ₹750 to ₹1,200. For example, a cardholder with outstanding dues of ₹8,000 will face a late payment fee of ₹750, compared with ₹600 under the existing schedule. For credit cards against fixed deposits (FDs), the notice retains the charge at 30% of the minimum amount due, subject to a minimum of ₹200 and a maximum of ₹500 per billing cycle for the specified variants. LUXURA cards issued against fixed deposits will continue to follow the charges applicable to regular LUXURA cards.
Cheque Return and Auto-Debit Failure Charges
Failed payments could become more expensive for PNB credit cardholders from November 1. Existing cheque return and auto-debit failure charges range from ₹100 to ₹250 per instrument, depending on the card variant. The revised fee will be 2% of the payment amount, subject to a minimum of ₹400. Cards against fixed deposits will continue to attract a ₹100 fee per instrument, while LUXURA cards against fixed deposits will follow regular LUXURA charges.
Duplicate Statement Charges
From November 1, duplicate statements for PNB Visa and RuPay credit cards will attract a charge of ₹50 for any month requested, while e-statements will remain free. The revised schedule may affect cardholders who were previously exempt from the charge. LUXURA cards issued against fixed deposits will continue to follow the charges applicable to regular LUXURA cards.
Reward Redemption Fees
Redeeming reward points will no longer be free for PNB Visa and RuPay credit cardholders. From November 1, each reward redemption request will attract a fee of ₹99, compared with no charge under the existing schedule.
Utility Bill Payment Charges
High utility bill payments will also attract a new fee. If total utility payments made using PNB Visa and RuPay credit cards exceed ₹50,000 in a billing cycle, a 1% charge will apply, capped at ₹2,000 per transaction. The existing fee is nil.
Also read: PNB Zaggle vs HSBC RuPay Cashback Credit Card: Which Offers Better Rewards with 10 Airport Lounge Visits at No Minimum Spend?
How Can PNB Credit Cardholders Prepare for the Revised Charges?
With the revised fees taking effect on November 1, 2026, cardholders should review the updated schedule for their specific credit card variant. Cash withdrawals may become more expensive because of the higher minimum charges, particularly for smaller transactions. Paying credit card bills on time and maintaining sufficient funds for scheduled auto-debits can help avoid late payment and failed transaction charges.
Cardholders who regularly redeem reward points should account for the ₹99 redemption fee, while those with high utility expenses should review their billing-cycle payments to understand whether the new charge applies. Checking the revised terms before making transactions can help cardholders anticipate additional costs.