PNB BLISS Card

Checked against Punjab National Bank's 3 documents for this card on 02 Nov 2026

COFFER Safety Stars3.5 of 5See the five checks

Rated 09 Nov 2026 after reading every document the bank publishes for this card. Not a recommendation. How we rate

Open to new applications · Earns point

First-year fee

₹0

Annual fee

₹510 a year.

Rs.510; waived if the annual spends on the card are equal to or above Rs 1.00 Lakh in the preceding year

What it gives back

1 point per ₹100 · everyday spends

Read from 3 Punjab National Bank documents, last checked 8 Nov 2026.

How it compares

Compared with the cards we have read

₹510 annual fee: of the 447 other open cards whose annual fee we have read, 242 state a lower one and 205 state a higher one.

3.5% forex markup: of the 480 other open cards whose forex markup we have read, 162 state a lower one and 318 state the same.

Fees

Annual feeRenewal fee
₹510 a year.Rs.510; waived if the annual spends on the card are equal to or above Rs 1.00 Lakh in the preceding year
Joining fee
₹0
Fee waiver rule
Annual fee waived if the annual spends on the card is equal to or above ₹1.00 Lakh in the preceding year
Add-on card fee
Annual fees – Add-on Card Nil.

Rewards

Reward rate
1 point per ₹100 · everyday spends1 point per ₹100 spent (1 point = ₹0.25)
What one reward unit is worth
Value of reward points: 1 pt = ₹0.25.

Card benefits

Domestic lounge access
Complimentary Airport Lounge Access: Domestic: 4 Complimentary visits (1 per quarter)
International lounge access
Complimentary Airport Lounge Access: International: 1 Complimentary visit Per Year.
Concierge
24x7 Concierge Services/ Personal Assistance, anytime, anywhere 24*7 in Hindi, English, Marathi, Gujarati, Punjabi and 4 south Indian languages.
Movie or entertainment ticket benefit
BookMyShow: Flat ₹250/- off on minimum purchase of 2 tickets, once per quarter
Movies and entertainment
Complimentary membership of Amazon Prime/ Hotstar/ Zee5/ SonyLiv (any one), once per annum; 12 months complimentary membership of Gaana Plus, once per annum.

Also included

Surcharge on railway tickets
IRCTC website: Up to 1.8% of the transaction amount.
Insurance benefit
Personal Accident Insurance in case of death and permanent total disability ₹2.00 Lacs.
Balance transfer terms
1% of transfer amount or ₹199/-, whichever is higher.

Charges

Forex markup
3.5% on foreign currency transactions.3.50% markup over and above the currency conversion rate
Cash advance fee
2.5% of cash withdrawn or ₹400 at PNB ATMs (₹500 at other ATMs and overseas), whichever is higher, from 01 November 2026
Interest on unpaid balance
2.95% per month
Interest-free period
20-50 days, applicable only on retail purchases and if the previous month’s balance has been cleared in full
Late payment fee
Nil for ₹500 or less; ₹500 for ₹501 to ₹1000; ₹750 for ₹1001 to ₹10000; ₹1000 for ₹10001 to ₹50000; ₹1200 above ₹50000, from 01 November 2026
Over-limit fee
Over-limit Fee: The Bank may approve certain transactions attempted by the Cardholder which can breach the Credit Limit, an over limit-fee of 2.5% of the over-limit amount (subject to a minimum of ₹500/-) will be levied.
Statement or duplicate statement fee
₹50/- for all cards.
Reward redemption fee
₹99 per redemption request, from 01 November 2026
Utility transaction fee
1% of total amount of Utility Payment if the total amount exceeds ₹50,000 in a billing cycle, maximum ₹2000 per transaction, from 01 November 2026
Grace days after the due date
Customers will be allowed a grace period of 3 days from the payment due date, where payments are not overdue.

Eligibility

How we know - 3 documents from Punjab National Bank, checked 8 Nov 2026

3 documents from Punjab National Bank, checked 8 Nov 2026.

On these lists

₹510 a year

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