PNB Credit Card: 5 Charges Hitting You Nov 1

PNB is changing credit card fees from November 1, including new charges on reward redemptions, utility payments, and cash withdrawals. If you hold a PNB credit card, these changes could quietly shrink the value you get every month.

Here's what happened: Punjab National Bank is revising multiple credit card service charges effective November 1, 2026, affecting reward redemptions, utility payments, and cash withdrawals.. A fee is being introduced or increased on reward point redemptions, meaning cardholders will pay to access benefits they already earned through spending.. High-value utility bill payments made via PNB credit cards will now attract an extra charge, making autopay for large bills more expensive..

What you should do: Log in to your PNB credit card account or call 1800-180-2222 and request the updated Most Important Terms and Conditions (MITC) document effective November 1.. Redeem any accumulated reward points before November 1 to avoid paying the new per-redemption fee on your existing balance.. Compare the revised fee structure against competing credit cards — if your monthly usage pattern attracts multiple new charges, calculate your net annual cost before staying on this card..

RBI mandates that all card issuers send a 30-day advance notice before fee changes — check your registered email and SMS inbox now; the official notice has the exact fee table.