Punjab NationalPNB Kiwi Credit CardRuPayPNB Kiwi Credit Card Credit Card
Punjab National Bank · with Kiwi · Cashback
1.5% flat cashback on UPI payments; 5% with paid Kiwi Neon membership.
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- Joining fee
- Free
- Annual fee
- ₹750
- Waiver spend
- ₹1,50,000
- Forex markup
- 3.5%
Fee waiver
Spend ₹1,50,000 in a card year and the next annual fee is waived.
That is about ₹12,500 a month.
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Fee waiver: what is left to spend
Card EMI or personal loan?
Cost of paying only the minimum
How the app counts rewards
- 0.5% back as Kiwis on online payments
- 1.5% back as Kiwis on scan-and-pay UPI
Who can apply
- Salaried: income of ₹2,50,000 a year or more
- Self-employed: income of ₹2,50,000 a year or more
Monthly Kiwis capped at 1% of the credit limit
Published minimums. Approval is the bank's decision. See every card you qualify for.
Official page
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Some values on this page are not yet confirmed against the bank's terms. Check the bank's own page before you rely on them.
Taken from the bank's page. Rules data version 2026.10.06-0001.
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