{
  "id": "pnb-pnb-bliss-card",
  "locale": "en",
  "name": "PNB Bliss Credit Card",
  "bank": "Punjab National Bank",
  "cardType": "shopping",
  "cardTier": "entry",
  "annualFee": "₹500 + GST",
  "loungeAccess": "Complimentary Domestic Airport Lounge access (1 visit per calendar quarter, max 4 visits/year)",
  "rewardsRate": "3X Rewards (3 pts / ₹100) on Healthcare, Beauty, Salons & Apparel · 4 Domestic Lounges/Year · Annual Health Checkup Discounts",
  "bestFor": "Women professionals, homemakers, healthcare & wellness spenders, fashion shoppers, and dining enthusiasts",
  "officialLink": "https://pnbcard.in/types8.html",
  "aiVerdict": {
    "score": 4,
    "summary": "Its modest reward rate and low annual fee offset the lack of lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 0.25,
  "affiliateId": "pnb-pnb-bliss-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "Punjab National Bank — PNB Bliss Credit Card official schedule of charges and MITC",
    "PNB Women's Banking Privilege Program — 3X accelerated wellness rewards, health checkup vouchers & 4 domestic lounge visits"
  ],
  "feeWaiver": "Waived on annual retail spends exceeding ₹50,000 in previous anniversary year",
  "networks": [
    "RuPay",
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Annual Fee",
      "value": "₹500 + GST (Waived on ₹50k spend)"
    },
    {
      "key": "Wellness & Beauty",
      "value": "3X Reward Points on Salons, Healthcare & Apparel"
    },
    {
      "key": "Airport Lounges",
      "value": "1 complimentary domestic visit / quarter (4 visits/year)"
    },
    {
      "key": "Welcome Gift",
      "value": "300 Bonus Reward Points on setup"
    },
    {
      "key": "Health Checkup",
      "value": "Discounted Annual Health & Wellness Checkup Package"
    },
    {
      "key": "Fuel Surcharge",
      "value": "1% waiver on ₹500 to ₹4,00,0"
    }
  ],
  "earnRates": [
    {
      "category": "Healthcare, Salons, Apparel & Dining (3X)",
      "rate": "3 Points / ₹100 (0.75% value)",
      "monthlyCap": "Max 1,000 bonus points / month",
      "perLakhSpent": "3,000 Points (~₹750 value)"
    },
    {
      "category": "All Other Domestic Retail Spends",
      "rate": "1 Point / ₹100 (0.25% value)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "1,000 Points (~₹250 value)"
    },
    {
      "category": "Fuel Purchases",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 Points"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Healthcare, Salons & Spas",
      "multiplier": "3×",
      "rate": "3 Points / ₹100 (0.75%)",
      "monthlyCap": "1,000 bonus pts / month",
      "dailyCap": "—",
      "note": "3 points per ₹100 at pharmacies, hospitals, clinics, salons, and spas."
    },
    {
      "channel": "Fashion Apparel & Dining",
      "multiplier": "3×",
      "rate": "3 Points / ₹100 (0.75%)",
      "monthlyCap": "1,000 bonus pts / month",
      "dailyCap": "—",
      "note": "3 points per ₹100 across clothing stores and restaurants."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "PNB Rewardz Shopping & Vouchers",
      "value": "₹0.25 / Reward Point",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Statement Cash Credit",
      "value": "₹0.25 / Reward Point",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Fuel purchases (eligible for 1% surcharge waiver only).",
    "ATM cash withdrawals."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹500 + GST (Includes 300 Welcome Bonus Reward Points)",
      "warn": false
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹500 + GST (Waived on ₹50,000 annual spend)",
      "warn": false
    },
    {
      "item": "Finance Charges (Interest Rate)",
      "value": "2.95% per month (35.40% per annum)",
      "warn": false
    },
    {
      "item": "Foreign Currency Markup",
      "value": "3.50% + GST",
      "warn": true
    },
    {
      "item": "Fuel Surcharge Waiver",
      "value": "1% waiver on ₹500 to ₹4,000 transactions (Max ₹250/month)",
      "warn": false
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Primary Target",
      "requirement": "Women professionals, salaried executives, entrepreneurs, and homemakers"
    },
    {
      "criteria": "Age Requirement",
      "requirement": "21 to 65 years"
    },
    {
      "criteria": "Minimum Monthly Income",
      "requirement": "₹20,000+ per month (Salaried or Self-Employed)"
    },
    {
      "criteria": "Credit Score (CIBIL)",
      "requirement": "710+ recommended for smooth approval"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}