PNB Credit Cards offer options for different types of users, from first-time cardholders to frequent travellers and people who regularly make UPI merchant payments. In 2026, Punjab National Bank’s RuPay card range includes lifetime-free cards, travel-focused cards, premium options, and co-branded cards designed around UPI cashback and everyday spending.

RuPay-UPI integration also allows eligible PNB credit cards to be linked with supported UPI apps for merchant QR payments. Among the available options, the PNB Kiwi Credit Card stands out for users who want a lifetime-free card focused on UPI cashback.

Why Choose a PNB Credit Card?

PNB offers cards across different fee levels and spending categories, which makes it easier for users to choose based on their requirements.

Some key benefits include:

• RuPay cards with UPI merchant payment support
• Lifetime-free and low-fee card options
• Co-branded cards such as Kiwi and EaseMyTrip variants
• Cashback or reward points on eligible spends
• Lounge access on selected cards
• Travel and lifestyle benefits depending on the card
• Options suitable for beginners as well as premium users

The right card depends on whether the user prioritises UPI cashback, travel, shopping, rewards, or lower annual fees.

• PNB Kiwi Credit Card

The PNB Kiwi Credit Card is a lifetime-free co-branded RuPay card designed mainly for users who frequently make UPI merchant payments.

Key Features

• Lifetime-free card
• No joining fee
• No annual fee
• 1.5% cashback on eligible Scan & Pay merchant transactions
• 0.5% cashback on eligible online transactions
• Cashback can be transferred to a bank account
• Transactions and rewards can be tracked through the Kiwi app
• RuPay network support

The card is particularly relevant for users who regularly pay for groceries, food, shopping, and other everyday purchases through merchant QR codes.

Who May Consider It?

Users who want a simple UPI-focused card with direct cashback and no recurring fee.

• PNB LUXURA RuPay Metal Credit Card

The PNB LUXURA RuPay Metal Credit Card is positioned as a premium option for users who value travel and luxury-related benefits.

Key Features

• 4 reward points per ₹100 spent
• 3X rewards on eligible dining and travel spends
• 40,000 welcome reward points on qualifying initial spending
• Domestic and international airport lounge access
• Zero forex markup under the stated card terms
• Premium metal card format

Fees

• Joining fee: ₹9,000 + GST
• Annual fee: ₹7,500 + GST
• Joining fee waiver subject to qualifying initial spend
• Annual fee waiver subject to qualifying yearly spend

Who May Consider It?

Frequent travellers and high spenders who can make use of lounge access and premium benefits.

• PNB RuPay Select Credit Card

The PNB RuPay Select Credit Card is a mid-range option offering rewards and selected travel benefits.

Key Features

• 2 reward points per ₹150 spent
• 300 welcome bonus reward points
• Shopping and lifestyle benefits
• Selected travel-related perks
• RuPay compatibility

Fees

• Joining fee: ₹500 + GST
• Annual fee: ₹750 + GST
• Annual fee may be waived based on qualifying quarterly usage

Who May Consider It?

Users looking for a mid-range PNB card with regular reward points and moderate fees.

• PNB RuPay Platinum Credit Card

The PNB RuPay Platinum Credit Card is suitable for users looking for a straightforward entry-level card.

Key Features

• 1 reward point per ₹100 spent
• 300 welcome reward points
• No joining fee
• Selected complimentary lounge benefits
• RuPay payment support
• Annual fee waiver based on usage conditions

Fees

• Joining fee: Nil
• Annual fee: ₹500 + GST
• Annual fee may be waived if the card is used at least once every quarter

Who May Consider It?

First-time credit card users who want a simple rewards structure without a joining fee.

• PNB EMT RuPay Platinum Credit Card

The PNB EMT RuPay Platinum Credit Card is a co-branded travel card created with EaseMyTrip.

Key Features

• 4 reward points per ₹100 on eligible spends
• ₹3,000 welcome voucher for eligible travel bookings
• 300 reward points on the first qualifying transaction
• Travel-oriented rewards and benefits
• RuPay network compatibility

Fees

• Joining fee: ₹2,000 + GST
• Annual fee: ₹2,000 + GST
• Annual fee waiver available on qualifying annual spend of ₹1 lakh

Who May Consider It?

Users who frequently book flights, hotels, and holidays through EaseMyTrip.

PNB Credit Card Eligibility

Eligibility depends on the specific card and PNB’s assessment process.

General criteria may include:

• Age between 21 and 70 years
• Salaried or self-employed status
• Minimum income according to card requirements
• Credit profile that meets the issuer’s criteria
• PAN and valid identity/address documents

A credit score of 700+ is recommended in the provided source, although final approval remains subject to the bank’s credit assessment.

Documents Required

Applicants may need to provide:

• PAN card
• Aadhaar or other accepted address proof
• Salary slips for salaried applicants
• Income Tax Return for self-employed applicants
• Recent bank statements

Additional documents may be requested depending on the card and applicant profile.

How to Apply for a PNB Credit Card

Applying for the PNB Kiwi Credit Card

Users can apply through the Kiwi app.

The process generally includes:

• Download the Kiwi app.
• Register using your mobile number.
• Select the PNB Kiwi Credit Card.
• Enter the required personal and financial details.
• Complete the applicable KYC process.
• Receive digital card access after approval.
• Applying for Other PNB Credit Cards

Other cards can be applied for through PNB’s official digital channels, including its website or supported banking app.

Applicants need to choose the card, enter their details, upload the required documents, and complete verification.

Using PNB RuPay Cards for UPI Merchant Payments

Eligible PNB RuPay cards can be linked with supported UPI apps for merchant payments.

Users can scan a merchant QR code, select the linked RuPay credit card, enter the required UPI PIN, and complete the payment.

This facility is intended for qualifying merchant transactions rather than peer-to-peer transfers.

For users who frequently pay merchants through QR codes, the PNB Kiwi Credit Card can be particularly relevant because eligible Scan & Pay transactions earn cashback.

Conclusion

PNB Credit Cards cover a wide range of spending needs, from UPI cashback and everyday rewards to travel and premium benefits. For users who regularly make UPI merchant payments, the PNB Kiwi Credit Card is a notable option because it combines lifetime-free pricing with cashback on eligible Scan & Pay transactions.

PNB LUXURA is more suitable for premium travel users, PNB RuPay Select offers mid-range rewards, PNB RuPay Platinum can suit beginners, and PNB EMT RuPay Platinum focuses on travel bookings.

Before applying, compare fees, cashback or reward rates, waiver conditions, lounge benefits, and eligibility requirements to choose a card that matches your actual spending habits.

FAQs

Which PNB Credit Card Is Suitable for UPI Cashback?

The PNB Kiwi Credit Card is designed for eligible UPI merchant payments and offers cashback on qualifying Scan & Pay transactions.

Is the PNB Kiwi Credit Card Lifetime Free?

Yes, the PNB Kiwi Credit Card is stated to have no joining fee or annual fee.

Can PNB RuPay Credit Cards Be Used for UPI Merchant Payments?

Yes, eligible PNB RuPay cards can be linked to supported UPI apps and used for qualifying merchant QR payments.