Punjab National Bank Credit Cards, Loans & Savings Accounts 2026
This page brings together every Punjab National Bank product we track — 1 credit cards, 3 loans, 1 savings accounts. Use it to see how Punjab National Bank's interest rates, fees and eligibility stack up before you visit the bank's official website.
Punjab National Bank Credit cards
| Credit Cards | Annual Fee | Best For | CardKhoj rating |
|---|---|---|---|
| PNB Rupay Platinum | ₹299 + GST | Budget Users | 3.9 |
Punjab National Bank Personal loans
Punjab National Bank Personal Loan
- Interest Rate
- 10.85% - 14.50%
- Loan Amount
- Up to ₹10,00,000
- Tenure
- 12 - 60 months
- Processing Fee
- 1.00% + GST
PNB's personal loan is straightforward with no prepayment penalty and wide branch availability across India. The ₹10 Lakh cap is lower than most private banks, but the rates are competitive for government sector employees. The dedicated pensioner loan scheme is a unique offering not found at most other banks.
Punjab National Bank Home loans
PNB Housing Finance Home Loan
- Interest Rate
- 8.50% - 11.00%
- Loan Amount
- Up to ₹5 Crore
- Tenure
- Up to 30 years
- Processing Fee
- Up to 0.50% + GST
PNB Housing stands out for self-employed borrowers with its bank statement program that does not require ITR filing. Loans for both under-construction and ready-to-move properties with a top-up facility up to ₹50 Lakh add flexibility. Quick processing for pre-approved builder projects significantly speeds up the disbursal timeline.
Punjab National Bank Car loans
Punjab National Bank Car Loan
- Interest Rate
- 8.55% - 10.90%
- Loan Amount
- Up to 85% On-road
- Tenure
- 12 - 84 months
- Processing Fee
- ₹1,000 to ₹3,000
PNB's car loan has the lowest processing fees in the market starting at just ₹1,000. Special rates for existing PNB customers and the option to finance two-wheelers as well make it a versatile lending product. Simple documentation and wide branch availability across India ensure easy access.
Punjab National Bank Savings accounts
Punjab National Bank — PNB Digital Savings
- Interest Rate
- 2.70% - 3.50%
- Min Balance
- ₹5,000 (Metro) / ₹1,000 (Rural)
- Best For
- Government Services
Punjab National Bank: frequently asked questions
Which is the best Punjab National Bank credit card?
Among the 1 Punjab National Bank cards we review, the PNB Rupay Platinum has our highest rating (3.9/5) and is best for budget users. The right card depends on your spending, so compare annual fees and reward categories before applying.
Does Punjab National Bank offer a lifetime free credit card?
None of the Punjab National Bank cards we track are lifetime free, but most offer an annual fee waiver when you reach a yearly spend target.
What is the Punjab National Bank personal loan interest rate?
Punjab National Bank personal loans are offered at 10.85% - 14.50% per annum for amounts of Up to ₹10,00,000 and tenures of 12 - 60 months. The processing fee is 1.00% + GST. Your exact rate depends on your credit score, income and employer.
What is the Punjab National Bank home loan interest rate?
PNB Housing Finance home loans are offered at 8.50% - 11.00% per annum, with tenures up to 30 years and a processing fee of Up to 0.50% + GST.
What is the Punjab National Bank car loan interest rate?
Punjab National Bank car loans are available at 8.55% - 10.90% per annum, funding up to 85% on-road price for 12 - 84 months.
What is the Punjab National Bank savings account interest rate?
The Punjab National Bank PNB Digital Savings account pays 2.70% - 3.50% interest, with a minimum balance requirement of ₹5,000 (Metro) / ₹1,000 (Rural).