PNB credit card changes from November 1, 2026: Bank to revise Visa, RuPay card charges for ATM withdrawals, late payment fees, utility bill payments and more

Punjab National Bank (PNB) is set to revise several of its PNB credit card charges on November 1, 2026. The credit card revisions are related to cash withdrawal, late payment fee, cheque or auto-debit return, duplicate statement, redemption of reward points and the payment of utility bills.

Some PNB credit card services which were earlier free will now attract a charge.

PNB credit card users will need to check new charges and fee structure to find out what could appear on their monthly statement.

1. Charges for cash withdrawal from credit card revised

PNB is set to revise cash advance charges on local domestic overseas automated teller machines (ATM) withdrawals.

Earlier, on its RuPay and Visa credit cards, PNB charged 2% of the cash withdrawn or Rs 150/Rs 200, whichever is higher.

Under the revised charges, it will charge a 2.5% or Rs 400, whichever is higher, while on domestic (other bank ATMs) and overseas ATMs, the charges will be 2.5% of the cash withdrawal or Rs 500, whichever is higher.

Additional late payment charges on PNB Visa and RuPay credit cards

PNB has also revised late payment charges for PNB Visa and RuPay credit cards. The revised charges range from nil to Rs 1,200.

Exsisting charges on outstanding total amount due:

• ₹1000/- or Less – Nil
• ₹1001 to ₹5000/ – ₹500
• ₹5001 to ₹10000/- ₹600/-
• Above ₹10000/ – ₹750

New charges for VISA/RuPay credit card variants outstanding total amount due

• ₹500 or Less – NIL
• ₹ 501 to ₹.1000 – ₹500/
• 1001 to ₹10000- ₹750/-
• ₹10000 to ₹ 50000 – ₹1000/-
• Above ₹ 50000-₹ 1200/-

The new structure for late payment charges will be as under:

The fee for credit cards against fixed deposits will remain the same. There will be a charge of 30% of the minimum amount due, with a minimum of Rs 200 and a maximum of Rs 500 every billing cycle. Regular Luxura card charges will apply to PNB Metal Credit Card Luxura and PNB Luxura fixed deposit cards.

PNB’s revised charges on cheque return / auto-debit instruction failure

For Visa and RuPay variations of credit cards, the new charge would be 2% of the payment amount (minimum charge Rs 400) in case of return of a cheque issued to pay credit card dues or failure of an electronic clearing service (ECS) or auto-debit instruction.

For fixed deposit-linked credit cards, the levy will be Rs 100 per instrument.

All service charges applicable to the Luxura credit card issued against a fixed deposit will be the same as those applicable to the normal Luxura credit card.

Duplicate credit card statement charge

Cardholders asking for a duplicate PNB credit card statement of more than three months would have to pay Rs 50 per month for such a request.

There will be no charges for e-statements.

PNB revises fee for reward points redemption

PNB credit card users will now have to pay Rs 99 for every redemption request on the eligible Visa and RuPay credit cards. Earlier, the fee was nil.

PNB’s revised utility bill payments charges

In case of utility bills payments made through the PNB Visa and RuPay credit cards, PNB will incur a fee if the total utility payments cross Rs 50,000 in a billing cycle.

The new cost will be 1% of the entire payment made (plus taxes) with a limit of Rs 2,000 per transaction. Earlier, no fee was charged for the same.