PNB Global Gold Credit Card Review

General Information

Rewards and Benefits

Fees and Charges

Summary

You will earn 1 Reward Point for every retail transaction worth Rs. 100. There is no fee to join. The Reward Points can be easily redeemed. If you successfully register for E-bill, you will receive additional Reward Points. You can enjoy a 20% discount on a ZEE5 subscription. You will receive a 1% waiver on fuel surcharge. You are protected from any liability with zero liability protection. Concierge services are available 24X7.

The PNB Global Gold Credit Card is a suitable option for individuals who enjoy shopping.

With a joining fee of Nil and a renewal fee of Rs. 300 + GST, this card offers convenient and cost-effective benefits.

When it comes to rewards, this credit card offers Reward Points as the reward type.

For every Rs. 100 spent on shopping, you can earn 1 Reward Point.

This makes it a great card for avid shoppers looking to maximize their rewards.

While this card does not come with any welcome benefits, movie dining perks, or travel benefits, it still proves to be a valuable choice for those focused on shopping rewards.

In terms of lounge access, golf benefits, insurance coverage, and spend-based waivers, this card does not provide any of these features.

However, the PNB Global Gold Credit Card does waive the rewards redemption fee, making it easy to redeem your earned points without incurring any additional charges.

It is important to note that for international transactions, a foreign currency markup of 3.5% will be applied.

This markup may impact the overall cost of using the card for purchases made outside of India.

The interest rate for this credit card is 2.95% per month, which is fairly competitive compared to other cards in the market.

For fuel transactions between Rs. 400 and Rs. 3,000, a 1% fuel surcharge waiver is provided.

This can be advantageous for individuals who frequently use their credit card for fuel purchases.

When it comes to cash advances, there is a fee of 2% of the amount withdrawn or Rs. 100 (whichever is higher) for domestic ATMs.

For international ATMs, the cash advance fee is 2% of the amount withdrawn or Rs. 300.

In summary, the PNB Global Gold Credit Card is a suitable choice for shopping enthusiasts.

With its reward points system, attractive fuel surcharge waiver, and competitive interest rate, it offers value to individuals looking to make the most of their shopping expenses.