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Features of the PNB Rupay JCB Credit Card
- Global Acceptance Through JCB Network: The PNB RuPay JCB Credit Card is part of the RuPay Global Card initiative, launched in collaboration with JCB International Co. Ltd. in July 2019. It is accepted at over 42.4 million point-of-sale (POS) locations and 1.9 million ATMs across more than 200 countries and territories worldwide, leveraging JCB’s extensive global network. This ensures seamless transactions for international travel, online shopping on foreign websites, and ATM withdrawals abroad. The card is particularly advantageous in regions where JCB has a strong presence, such as Asia-Pacific countries like Japan, South Korea, and Thailand, where JCB cards are widely accepted at merchants, restaurants, and hotels. Additionally, the card is compatible with RuPay’s domestic network in India, allowing usage at millions of POS terminals and ATMs under the National Financial Switch (NFS) network.
- Reward Points Program: Reward points can be redeemed for a variety of options, including merchandise, gift vouchers, travel bookings, or statement credits, through PNB’s rewards portal or partner merchants. The program is designed to encourage frequent usage, particularly for online shopping and retail purchases, making it appealing for tech-savvy and lifestyle-oriented customers.

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- Complimentary Lounge Access: Travel perks are a standout feature of the PNB RuPay JCB Credit Card. Cardholders receive eight complimentary domestic airport lounge visits annually (capped at two per quarter) and four complimentary international airport lounge visits per year (capped at two per quarter, effective from February 25, 2024). This benefit is facilitated through the DreamFolks lounge program for domestic lounges and JCB’s global lounge network for international access. Lounges provide a comfortable environment with amenities like free Wi-Fi, food, beverages, and business facilities, enhancing the travel experience for frequent flyers. To avail of these benefits, cardholders may need to meet minimum spending thresholds, such as ₹75,000 in the preceding quarter for domestic lounge access and ₹100,000 for international lounge access, aligning with standard practices for premium cards.
- Contactless Payment Technology: The card is equipped with contactless payment technology, similar to PNB’s Wave & Pay feature available on other cards. This allows cardholders to make quick and secure transactions up to ₹5,000 by simply tapping the card at POS terminals equipped with NFC (Near Field Communication) technology. The contactless feature ensures convenience for small, everyday purchases like groceries, dining, or public transport, reducing the need to swipe or insert the card. For security, transactions above ₹5,000 typically require a PIN, and the card is designed to prevent double billing even if tapped multiple times at a terminal.
- Insurance Coverage: The PNB RuPay JCB Credit Card includes comprehensive insurance benefits to provide financial security. It offers accidental death or total permanent disability coverage worth up to ₹10 lakhs, which is a significant benefit for cardholders and their families. This coverage is particularly valuable for frequent travelers, as it provides peace of mind during domestic and international trips. Additionally, the card may include purchase protection for items bought using the card, covering damage or theft for a specified period, and zero lost card liability, ensuring cardholders are not held responsible for unauthorized transactions after reporting a lost or stolen card to PNB’s 24-hour helpline.
- Fuel and Railway Surcharge Waivers: To enhance savings, the card offers a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 at fuel stations across India, capped at ₹250 per billing cycle. This feature is particularly beneficial for cardholders who frequently drive or travel, reducing the cost of fuel purchases. Additionally, the card provides a 1% waiver on railway surcharges for transactions up to ₹5,000 when booking tickets through IRCTC’s website or mobile app, making it a cost-effective option for train travelers. These waivers align with RuPay’s focus on providing value-added benefits for everyday spending categories.
- Low Annual Fee with Waiver Option: The card carries a nominal joining fee of ₹500 and an annual fee of ₹750, which can be waived by making at least one retail transaction per quarter. This spend-based waiver makes the card effectively lifetime-free for active users, reducing the financial burden of ownership. The low fee structure, combined with the waiver option, makes the card accessible to a wide range of customers, from young professionals to seasoned travelers.
- Add-On Cards for Family Members: The PNB RuPay JCB Credit Card allows up to two add-on cards for family members above 18 years of age at no extra cost. Add-on cardholders can enjoy the same benefits, such as reward points and lounge access, subject to the primary cardholder’s credit limit and terms. This feature is ideal for families who wish to consolidate spending and rewards while maintaining financial oversight, as all transactions are billed to the primary cardholder’s account.
- Security Features: Security is a priority for the PNB RuPay JCB Credit Card. It incorporates EMV chip-and-PIN technology, which provides enhanced protection against skimming and fraud compared to magnetic stripe cards. The card also supports secure online transactions through 3D Secure protocols (e.g., Verified by Visa or RuPay’s equivalent), requiring an OTP (One-Time Password) for e-commerce purchases. PNB’s 24-hour helpline ensures prompt reporting of lost or stolen cards, minimizing financial risk. Additionally, the card’s integration with JCB’s state-of-the-art technology ensures robust security for international transactions.
- Co-Branded Merchant Offers: The card offers exclusive discounts and cashback at over 300 partner merchants, including dining, travel, and retail outlets. For instance, cardholders can avail a 25% discount (up to ₹150) on movie ticket bookings through BookMyShow or INOX, capped at two transactions per month. Co-branded partnerships, such as with Patanjali or Reliance Retail, may provide additional cashback (e.g., 2% cashback on transactions above ₹2,500 at Patanjali stores) or vouchers (e.g., ₹500 Reliance Retail voucher on annual spends of ₹25,000). These offers enhance the card’s value for lifestyle and entertainment purchases.
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Mobile App Integration:
The card is fully integrated with PNB’s mobile banking app, PNB GENIE, which allows cardholders to manage their account, pay bills, set standing instructions, and track transactions in real-time. The app also supports credit card activation via SMS (by sending “ACTIV
” to 7092200200) and provides alerts for transactions, due dates, and promotional offers. This digital integration enhances convenience and ensures cardholders have full control over their finances. - Customizable Credit Limit: The credit limit for the PNB RuPay JCB Credit Card ranges from a minimum of ₹25,000 to a maximum of ₹10 lakhs, determined by PNB based on factors like the applicant’s credit score, income, and repayment history. Cardholders can request a limit increase after consistent usage and timely repayments, subject to the bank’s approval. This flexibility allows the card to cater to both moderate and high spenders, particularly those with international travel or shopping needs.
- Cash Advance Facility: The card offers a cash advance facility, allowing withdrawals up to 20% of the credit limit, with a single transaction cap at 50% of the available cash limit. Cash advance fees vary by ATM type: 2% of the withdrawn amount (minimum ₹150) at PNB ATMs, ₹200 at other domestic ATMs, and ₹250 at overseas ATMs. This feature provides emergency access to cash, especially during international travel, though it incurs a finance charge of 2.95% per month.
- Concierge Services: The card includes 24/7 concierge services to assist with travel bookings, hotel reservations, dining arrangements, and gift purchases. This premium feature enhances the cardholder’s experience, particularly for international trips, by providing personalized support for itinerary planning and exclusive experiences.
- Interest-Free Credit Period: The card offers an interest-free credit period of 20 to 50 days, depending on the billing cycle and transaction date. This allows cardholders to make purchases and defer payments without incurring interest, provided the outstanding balance is paid in full by the due date. This feature is particularly useful for managing cash flow during international travel or large purchases.
- Compatibility with UPI: The PNB RuPay JCB Credit Card supports UPI (Unified Payments Interface) transactions, allowing cardholders to link the card to UPI apps like BHIM or Google Pay for quick and secure payments. This feature is especially convenient for small transactions in India and enhances the card’s versatility for domestic use.
- Milestone Benefits: Cardholders can earn milestone rewards, such as 3,000 reward points for every ₹3,00,000 spent in an anniversary year and 1,500 points for every additional ₹1,00,000, up to a maximum of 15,000 points per year. These rewards encourage high spending and provide additional value for frequent users.
- Golf and Spa Privileges: For lifestyle enthusiasts, the card offers up to two complimentary rounds of golf per month, subject to spending ₹50,000 in the preceding month. Additionally, select spa and gym membership discounts may be available through RuPay’s partnerships, enhancing the card’s appeal for premium customers.
- Eco-Friendly Initiatives: PNB promotes eco-friendly practices by offering e-statements and digital billing options, reducing paper usage. Cardholders can access statements via the PNB GENIE app or the bank’s credit card portal, ensuring convenience and environmental responsibility.
- Robust Customer Support: PNB provides 24/7 customer support through its toll-free helpline and email . This ensures cardholders can resolve issues, report fraud, or seek assistance at any time, particularly during international travel. This comprehensive set of features makes the PNB RuPay JCB Credit Card a versatile and rewarding option for both domestic and international use, catering to a wide range of financial and lifestyle needs.

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- Rewarding Spending Program: The reward points program is a key benefit, offering 1 point per ₹100 spent on retail transactions and 2x points on online/merchandise purchases within the first 90 days.
- Premium Travel Benefits: The complimentary lounge access—eight domestic and four international visits per year—is a standout benefit for travelers.
- Financial Security and Insurance: The ₹10 lakh accidental death or permanent disability insurance coverage is a significant benefit, offering peace of mind during travel or daily life.
- Convenience of Contactless Payments: The contactless payment feature allows quick and secure transactions up to ₹5,000, ideal for small purchases during international travel or daily commutes.
- Exclusive Merchant Discounts: Cardholders enjoy discounts at over 300 partner merchants, including 25% off (up to ₹150) on movie tickets via BookMyShow or INOX, twice monthly.
- Flexible Credit Management: The interest-free period of 20 to 50 days allows cardholders to manage cash flow effectively, especially for large international purchases.
- Digital Banking Integration: Integration with the PNB GENIE app offers seamless account management, bill payments, and transaction tracking, enhancing convenience for tech-savvy users.
- Lifestyle Perks: The card’s golf and spa privileges, including up to two complimentary golf rounds per month (subject to ₹50,000 prior-month spending), cater to premium lifestyle preferences.
- Support for Small Businesses: For self-employed individuals or small business owners, the card’s high credit limit and rewards program support business-related expenses, such as travel or inventory purchases.
- Enhanced Customer Support: PNB’s 24/7 helpline and email support ensure cardholders can address issues promptly, especially during international travel. This reliability is crucial for resolving fraud concerns.
- Currency Conversion Benefits: The card’s forex markup fee of 3.5% on foreign currency transactions is competitive, making it cost-effective for international spending compared to cards with higher fees.
- Eco-Conscious Banking: The card’s digital-first approach, with e-statements and app-based management, aligns with sustainable banking practices, appealing to environmentally conscious users.
- Versatility Across Spending Categories: The card’s rewards and waivers span multiple categories—fuel, travel, dining, entertainment, and online shopping—making it a versatile tool for diverse spending habits.
- Community and Co-Branding Benefits: Co-branded partnerships, such as with Patanjali, offer additional cashback (e.g., 5-7% on recharges) and exclusive offers at specific merchants.
- Accessibility for Moderate Incomes: With a minimum income requirement of ₹5,00,000 p.a., the card is accessible to middle and upper-middle-class professionals, balancing premium benefits with affordability.
- Seamless Online Transactions: The card’s 3D Secure protocol ensures safe e-commerce transactions. This security, combined with JCB’s global e-commerce acceptance, makes the card a reliable choice for cross-border purchases.
- Tailored for Frequent Travelers: The combination of lounge access, insurance, and global acceptance makes the card particularly beneficial for frequent international travelers, offering both practical and luxury benefits.