What still holds
- FD-linked card late fee unchanged at 30% of the Minimum Amount Due (min ₹200, max ₹500 per cycle).
- Luxura Metal and Luxura FD cards follow regular Luxura charges.
Utility bill payments
1%
+ taxes, when total utility bill payments in a billing cycle exceed ₹50,000; fee capped at ₹2,000 per transaction
If you cross ₹50,000 in a cycle, consider using a different card for the overflow if its fee is lower.
Cash withdrawal fee rises
2% 2.5%
On Visa & RuPay cards, the rate goes up.
Minimum fee now ₹400 at PNB ATMs; ₹500 at domestic other-bank and overseas ATMs. Earlier minimums were ₹150/₹200.
Other revised charges
| Charge | New fee | Trigger/Cap |
|---|---|---|
| Late payment | nil-₹1,200 | by slab |
| Cheque/ | 2% min ₹400 | payment amt |
| FD card: cheque rtn | ₹100/inst. | per instr. |
| Duplicate statement | ₹50/month | >3 months |
Missed or returned payments and older statements now carry clear fees - see the rows for amounts.
The verdict
Use your PNB Visa or RuPay card with the new costs in mind: avoid cash withdrawals, batch point redemptions, and watch the ₹50,000 utility threshold each cycle.
Pay on time to stay out of the late fee slabs. Auto-debit from your bank account helps if you use it safely.
FD-linked cards: late fee policy is unchanged; check if other fees apply to your variant.
In full
Hold a PNB Visa or RuPay credit card? From 1 Nov 2026, several fees go up
What changes: - Rewards redemptions: ₹99 per request on eligible Visa & RuPay cards (earlier nil). - Utility bills: 1% + taxes once total utility payments in a billing cycle exceed ₹50,000; capped at ₹2,000 per transaction. - Cash withdrawals: rate moves to 2.5% from 2%, with a minimum of ₹400 at PNB ATMs and ₹500 at domestic other-bank and overseas ATMs. - Late payment slabs revised: now nil to ₹1,200. FD-linked cards’ late fee remains 30% of the Minimum Amount Due, with a ₹200 minimum and ₹500 maximum per cycle. Luxura Metal and Luxura FD cards follow regular Luxura charges. - Cheque/ECS or auto-debit return: 2% of the payment amount (minimum ₹400) for Visa/RuPay; FD-linked cards ₹100 per instrument. Duplicate statement: ₹50 per month for statements older than 3 months.
What to do: - Avoid cash advances. - Pay on time. - Batch point redemptions so you pay the ₹99 fee fewer times. - Keep an eye on the ₹50,000 utility threshold each cycle; if you cross it, consider a different card for the overflow where the fee is lower.
You’ll hold on to more of your reward points value when you know the fees and plan around them.